Top Chase Credit Cards Offering Purchase Protection Benefits [2025 Edition]

Top Chase Credit Cards Offering Purchase Protection Benefits [2025 Edition]

Chase Credit Cards Offer Extensive Purchase Protections

Chase credit cards provide a variety of purchase protections to their cardholders, offering additional security and financial safeguards when making purchases. Here's a breakdown of the main benefits offered by popular Chase credit cards, such as the Chase Sapphire Reserve and Chase Sapphire Preferred.

1. Purchase Protection

Purchase Protection covers eligible purchases made with the Chase card against accidental damage, theft, or loss. The coverage period typically lasts for 90 days from the purchase date, although the Sapphire Reserve offers extended coverage of up to 120 days. Coverage limits vary by card, with some offering up to $10,000 per item and a maximum of $50,000 per account per calendar year.

Items such as animals, motorized vehicles, software, medical equipment, perishables, and resale items are not covered under this protection. No enrollment is required, and to claim, cardholders should report incidents promptly with proof of purchase and damage/theft documentation.

2. Extended Warranty Protection

Extended Warranty Protection extends the original manufacturer’s U.S. warranty by 1 additional year on eligible products with a manufacturer warranty of 3 years or less. This benefit applies to both U.S. and international purchases, including gifts. Coverage limits are up to $10,000 per claim and a maximum of $50,000 per account.

Exclusions include computer software, items for commercial use, motor vehicles, and used or pre-owned items. To qualify, cardholders must have a valid original manufacturer’s warranty.

3. Return Protection

Return Protection offers reimbursement if the retailer refuses a refund, exchange, or credit within 90 days of purchase. Coverage limits are up to $500 per item and up to $1,000 per account per year. Exclusions include animals, motorized vehicles, tickets, formal attire, software, damaged or non-working items, jewelry, antiques, collectibles, medical equipment, perishables, consumables, seasonal items, items purchased outside the U.S., items for commercial use or resale, and altered items.

4. Cell Phone Protection

Cell Phone Protection is not extensively detailed in the provided results but is typically offered on many Chase cards with conditions. Coverage limits and deductibles vary, often around $800 per claim with a deductible of $50. Enrollment is usually required by paying the cell phone bill with the eligible Chase card and meeting other terms.

Key Requirements Across Benefits

• Purchases must be made with an eligible Chase credit card.
• Timely reporting of incidents and submission of claims with necessary documentation (proof of purchase, police reports if theft, damage evidence).
• Benefits and limits vary by card; always check the specific card’s Guide to Benefits for detailed terms.

These protections provide valuable benefits for Chase credit cardholders, offering coverage limits, exclusions, and claim procedures. To learn more about the specific terms and conditions for each benefit, cardholders should refer to their card's Guide to Benefits.

1. The extended purchase protections offered by Chase Sapphire Reserve go beyond the usual 90-day coverage, offering up to 120 days of coverage for real estate purchases, for instance, against accidental damage, theft, or loss.
2. For those who travel frequently for personal-finance or business purposes, extended warranty protection is beneficial as it extends the original manufacturer’s warranty by 1 additional year on eligible goods, ensuring coverage when making purchases in the banking-and-insurance industry.
3. Return Protection is an added advantage for consumers making purchases in various types of business, offering reimbursement if the retailer refuses a refund, exchange, or credit within 90 days of purchase.
4. With Cell Phone Protection, Chase credit cardholders can rest easy knowing their cell phones are safeguarded if damaged or stolen, adding an extra layer of security to their mobile devices, which are crucial for business and personal purposes.

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