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 — $695/yr annual fee
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
