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Chase return protection: Do I get this perk?

Get this benefit with two Chase cards.


Fact checked

Our pick for Chase return protection: Chase Sapphire Reserve®

Chase Sapphire Reserve® logo


Signup bonus after spending $4,000 in first 3 months

  • Not just for travel: Get DoorDash perks,10x points on Lyft and 3x on dining
  • Signup bonus worth $750 with Chase Ultimate Rewards
  • $300 annual travel credit
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Return protection provides reimbursement for purchases made within 90 days even when the merchant won’t accept the return. This is an excellent perk to have, especially since it costs nothing extra. Unfortunately, only some Chase credit cards offer this perk.

Does Chase have return protection?

Chase offers return protection, but only for two of its premium credit cards. If you have any other Chase credit card, you won’t get this perk.

How to use Chase return protection

If you do have a Chase card with this perk, using it is pretty simple. Here’s how Chase return protection works:

  1. Call the merchant where you bought your item from and ask if it’s possible to return the item.
  2. If the merchant declines, call your benefit administrator at 800-874-7702 or visit to file a claim within 90 days from the date of purchase.
  3. Fill out and sign the claim form and send it to the benefit administrator.
  4. Customer support will contact you after they receive the form.
  5. Follow the shipping instructions provided to you by the customer support.

Note: You’ll have to pay for the cost of shipping.

Chase cards with return protection

If you want a Chase credit card with return protection, you have two options:

  • Chase Sapphire Reserve®. Aside from getting return protection, you also get to earn 3x points on travel and dining purchases, and 10x points on Lyft car rides. Everything else you buy earns 1x points. In addition, you get other cool perks like a $300 travel credit each year, Priority Pass membership, Lyft Pink membership, DoorDash statement credits and more.
  • United Club℠ Infinite Card. This premium option is the second Chase card that comes with return protection. You also get to earn 4x miles on your United purchases, 2x miles on travel and dining and 1x miles on all other purchases. Plus you get a United Club membership worth up to $650 and free first and second checked bags among the many perks.

Compare credit cards with return protection

If you don’t think the two Chase credit cards with return protection would be a good choice for you, consider other credit cards with return protection.

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.99% to 23.99% variable)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
Chase Sapphire Reserve®
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
16.99% to 23.99% variable
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
CardMatch™ from
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
United Club℠ Infinite Card
4x miles on United purchases, 2x miles on travel and dining and 1x miles on all other purchases
16.49% to 23.49% variable
Get United Club membership with access for you and two guests at any United Club or Star Alliance lounge -- a value of up to $650 annually.
Delta SkyMiles® Reserve American Express Card
3x miles on direct Delta purchases and 1x miles on all other purchases
15.74% to 24.74% variable
Delta's luxury offering shines with access to Delta Sky Clubs, Centurion Lounges, an annual companion certificate and more valuable travel perks. Rates & fees

Compare up to 4 providers

Chase return protection policy

Chase return protection will reimburse you with up to $500 per item of personal property with an annual maximum of $1,000 per account. However, there are some rules you must follow to use this perk:

  • The entire purchase must be made with your eligible Chase credit card or with reward points associated with your account.
  • The item must be in like-new or good condition.
  • If you file a claim within 30 days of purchase, you may need to submit proof of the store’s return policy.
  • You must make an eligible purchase.

Who gets to use Chase return protection?

The cardholder who buys the item with their credit card or reward points can use Chase return protection perk.

Bottom line

Chase return protection is a useful feature to have, especially when it doesn’t cost anything extra. This gives you the option to return an item within 90 days of the day of purchase if the merchant won’t accept the return.

But if you don’t think any of Chase’s cards with this perk will meet your needs, consider other cards with this perk.

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