Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Purchase Protection benefit details — $95/yr annual fee
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 120 days (90 for NY residents).
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Extends U.S. manufacturer's warranty by 1 year on warranties of 3 years or less (4 years total coverage).
Covers purchases for 120 days against damage or theft up to $500 per item with secondary coverage after other insurers.
