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Chase purchase protection has you covered if an eligible item is damaged or stolen within 120 days of purchase.
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Many Chase credit cards offer purchase protection insurance against loss or theft of a new item.
Depending on the card, you could be eligible for up to $10,000 per item if you submit a claim.
This benefit saved me nearly $200 when an item I was returning was stolen from my building’s lobby.
Read Insider’s guide to the best rewards credit cards.
No one likes to see their property damaged or stolen, but those events can be even more frustrating when the item in question is new and you’ve barely had a chance to use it. Plus, having to replace something you just bought is a double hit to your bank account.
Luckily, Chase cardholders have an option if they find themselves in that situation. Chase credit cards offer purchase protection, a benefit that’s often overlooked but recently saved me almost $200 when a recently purchased item I was returning by mail was stolen from my building’s lobby.
Read on for a guide to Chase purchase protection and the steps you’ll need to take to file a claim if you ever find yourself in a similar position.
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Chase credit cards with purchase protection
Purchase protection can repair, replace, or reimburse you for items that are damaged or stolen and were recently purchased with an eligible Chase card or with rewards earned on an eligible Chase card.
Chase cards that reimburse up to $500 per claim
The following cards will reimburse up to $500 per claim and $50,000 per account:
Chase credit card
Welcome bonus offerLearn more
Chase Freedom Unlimited®
Chase Freedom Unlimited®
Chase Freedom Unlimited card review
Chase Freedom Flex℠
Chase Freedom Flex℠
Chase Freedom Flex card review
Chase Freedom® Student credit card
Chase Freedom® Student credit cardChase Freedom Student credit card reviewChase Freedom® (no longer available to new applicants)Chase Freedom®
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Chase Sapphire Preferred card reviewChase Slate Edge℠Chase Slate Edge℠
Aeroplan® Credit Card
Aeroplan® Credit CardAeroplan credit card review
Southwest Rapid Rewards® Plus Credit Card
Southwest Rapid Rewards® Plus Credit CardSouthwest Rapid Rewards Plus card review
Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Premier Credit CardSouthwest Rapid Rewards Premier card review
Southwest Rapid Rewards® Priority Credit Card
Southwest Rapid Rewards® Priority Credit CardSouthwest Rapid Rewards Priority card review
United Gateway℠ Card
United Gateway℠ CardUnited Gateway card review
British Airways Visa Signature® Card
British Airways Visa Signature® CardBritish Airways Visa Signature card review
Iberia Visa Signature® Card
Iberia Visa Signature® CardIberia Visa Signature card review
Aer Lingus Visa Signature® Card
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Marriott Bonvoy Boundless® Credit Card
Marriott Bonvoy Boundless® Credit CardMarriott Bonvoy Boundless card review
Marriott Bonvoy Bold® Credit Card
Marriott Bonvoy Bold® Credit CardMarriott Bonvoy Bold card review
Marriott Bonvoy Bountiful™ Card
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IHG® Rewards Club Premier Credit Card
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IHG® Rewards Club Traveler Credit Card
IHG® Rewards Club Traveler Credit CardIHG Rewards Traveler card review
The World Of Hyatt Credit Card
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Instacart Mastercard®
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Amazon Prime Rewards Visa Signature Card
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Disney® Premier Visa® Card
$300 statement credit after you spend $1,000 on purchases in the first three months of account opening
Disney® Visa® Card
$150 statement credit after you spend $500 on purchases in the first three months of account opening
Starbucks® Rewards Visa® Card
4,500 bonus stars after you spend $500 on purchases in the first three months of account opening
Chase cards that reimburse up to $10,000 per claim
These cards will reimburse up to $10,000 per claim and $50,000 per year:
Chase credit cardWelcome bonus offerLearn more
Chase Sapphire Reserve®
Chase Sapphire Reserve®
Chase Sapphire Reserve card review
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit CardInk Business Preferred card review
Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit CardInk Business Unlimited card review
Ink Business Cash® Credit Card
Ink Business Cash® Credit CardInk Business Cash card review
Ink Business Plus® Credit Card (no longer available to new applicants)
N/A
United℠ Explorer Card
United℠ Explorer CardUnited Explorer card review
United Quest℠ Card
United Quest℠ CardUnited Quest card review
United Club℠ Infinite Card
United Club℠ Infinite CardUnited Club Infinite card review
United℠ Business Card
United℠ Business CardUnited Business card review
United Club℠ Business Card
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Southwest Rapid Rewards® Premier Business Credit Card
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Southwest Rapid Rewards® Performance Business Credit Card
Southwest Rapid Rewards® Performance Business Credit CardSouthwest Rapid Rewards Performance Business card review
World of Hyatt Business Credit Card
World of Hyatt Business Credit CardWorld of Hyatt Business card review
IHG® Rewards Premier Business Credit Card
IHG® Rewards Premier Business Credit CardIHG Rewards Premier Business card review
How Chase purchase protection works
According to Chase, purchase protection “protects against theft of, damage to, or involuntary and accidental parting with new retail purchases within 120 days from the date of purchase.” You’ll need to make a claim within 90 days of the damage, theft, or involuntary and accidental parting, and you’re eligible if “your name is embossed on an eligible card issued in the United States, and you charge all or a portion of the cost of the item to your credit card account and/or rewards programs associated with your account.”
“Involuntary and accidental parting,” by Chase’s definition, means “the unintended separation from an item of personal property when its location is known, but recovery is impractical to complete.” Lost items or items that mysteriously disappear are not covered by purchase protection.
Of course, there are conditions, which are listed in full in your credit card’s benefits guide. One key condition to note: If you have other coverage — like homeowners insurance, renters insurance, car insurance, or insurance through your employer — you’ll have to file a claim first with that insurance company unless the claim amount is below your deductible.
Chase also has a lengthy list of items it won’t cover, including live animals and plants, antiques, computer software, and motorized vehicles. Make sure to check your benefits guide for the full list before filing a claim.
How to file a claim for Chase purchase protection
Navigate to the Card Benefit Services website
Chase partners with a third-party company, Card Benefit Services, to handle its claims and administer reimbursement, so the first step in filing a claim is heading to the Card Benefit Services website.
You can file a Chase purchase protection claim on the Card Benefit Services website.
Chase
Start a new claim
After selecting “New Claim,” you’ll be asked for your card number to verify that you have the benefit. Enter your number and name, and click “Get Started.”
Start your claim by entering your name and card number to verify your eligibility.
Chase
Select a claim type
As an example, here’s what appears next when using the Chase Freedom Unlimited®. Once you’ve consented to electronic transactions, payments, and signature, it’ll ask you to select a claim type:
Choose between purchase protection/security, trip cancellation/interruption, or collision damage waiver (car rental insurance) as your claim type.
Chase
Add claim details
Select “Purchase Protection/Security,” click “Next,” and then enter your address. From there, you can fill in key details such as the date the item was damaged or stolen, the reason for your claim, the location of the incident, and a description of the item.
Complete your claim details including a description of what happened to the item.
Chase
Add the item description and amount paid.
Chase
Upload documentation and submit claim
The next step is to upload your documentation, which may include any of the following:
Charge receipt or monthly billing statementItemized store receiptRepair estimate or receiptPhotos of the damagesSplit payment documentation Homeowners insurance declaration pagePolice or loss reportSettlement documentation
Click the “Add” button next to the type of documentation you’re submitting to upload it.
You’ll be required to upload documentation to support your claim, like receipts and repair costs.
Chase
Once your uploads are complete, press “Submit Claim.” And don’t worry if you don’t have everything collected at the time of submission — you can always come back to add them later or submit documents by email to [email protected].
What happens next?
Card Benefit Services will begin reviewing the claim and email you with a list of what’s still missing, along with instructions on how to add the necessary documentation to your claim.
A few days after submitting your claim (it says five business days, but give or take a few), you’ll receive a letter — likely by email and US mail — outlining what additional documents you need to submit, if any.
If your claim is complete, you’ll get a notice that it’s been approved and at that time, you’ll have the option to receive reimbursement by check or direct deposit. The reimbursement should show up within a few days of making that selection.