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Does Amazon have purchase protection?

Your stolen or damaged items may be covered.

Updated

Fact checked

Purchase protection is a useful perk, especially if you use your card to buy more expensive items, like smartphones, laptops or clothing brands. This benefit costs nothing extra to use and provides coverage on purchases that have been stolen or damaged.

Does Amazon have purchase protection?

Amazon offers purchase protection to its Visa Signature cards issued by Chase and the Amazon business credit cards issued by American Express.

The coverage between these cards slightly varies:

  • Amazon Rewards Visa Signature Card – $500 per claim, $50,000 per account for 120 days from the date of purchase.
  • Amazon Business American Express Card – $1,000 per claim ($500 in case of a natural disaster), $50,000 per calendar year for 120 days for the date of purchase.

Note: NY residents get 90 days of coverage instead of 120.

How to use Amazon purchase protection

Amazon purchase protection is a simple perk to use. Here’s how:

  1. Make an eligible purchase with your credit card.
  2. In case of theft or damage, call 877-631-0919 for the Amazon Visa Signature card or 800-322-1277 for the Amex business cards to receive a claim form.
  3. Submit the completed form along with any additional documents.
  4. Wait for your claim to be processed.

Compare credit cards with purchase protection

Name Product Filter values Rewards Purchase APR Annual fee
Amazon Rewards Visa Signature Card
3% back at Amazon.com, 2% back at gas stations, restaurants and drugstores and 1% back on all other purchases
14.24% to 22.24% variable
$0
Earn % back at Amazon.com, 2% back at gas stations, restaurants and drugstores and 1% back on all other purchases.
Amazon Prime Rewards Visa Signature Card
5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases
14.24% to 22.24% variable
$0
Earn 5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases.
Amazon Business Prime American Express Card
5% back or 90 day terms on US purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market, 2% back at US restaurants, US gas stations, and US wireless telephone services, 1% back on other purchases
14.24% to 22.24% variable
$0
Earn either 5% back or 90 day terms on US purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. Earn 2% back at US restaurants, US gas stations, and US wireless telephone services and 1% back on other purchases. Rates & fees
Amazon Business American Express Card
3% back or 60 day terms on US purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market, 2% back at US restaurants, US gas stations, and US wireless telephone services, 1% back on other purchases
14.24% to 22.24% variable
$0
Earn either 3% back or enjoy 60 day terms on US purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. Earn 2% back at US restaurants, US gas stations, and US wireless telephone services and 1% back on other purchases. Rates & fees
Amazon Prime Store Card
5% back for eligible Amazon Prime members
27.49% variable
$0
The Amazon Prime Store Card, an upgrade from the Amazon.com Store Card, is available to customers with an Eligible Amazon Prime Membership only, subject to credit approval.
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Who gets to use Amazon purchase protection?

This perk is available to the main cardholder who uses the card to make the purchase.

Bottom line

Amazon purchase protection is a cool feature to have as you’ll get coverage between $500 and $1,000 against theft and damage on eligible purchases for up to 120 days from the date of purchase.

But if you don’t find the Amazon cards appealing enough, compare other cards with purchase protection to find a card that’s right for you.

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