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The Chase Sapphire Reserve's Return Protection is a game-changer for travelers.
You can get up to $10,000 in protection per item, which is a huge relief when you're dealing with a non-functional purchase.
The protection is valid for 120 days from the date of purchase, giving you plenty of time to figure out if you can return or exchange an item.
If you're not satisfied with a purchase, you can file a claim through the Chase website or mobile app.
What Is Chase Sapphire Reserve Return Protection?
Chase Sapphire Reserve Return Protection coverage is a valuable feature that comes with the credit card. It's designed to give you peace of mind when making purchases.
The Return Protection coverage includes purchases that are damaged or stolen within a certain timeframe. You can get up to $10,000 per item covered for 120 days from the date of purchase. For New York residents, the coverage is 90 days.
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To be eligible for Return Protection, your purchase must be new and have a manufacturer's U.S. warranty. The warranty must be three years or less, and the Return Protection will extend it by an additional year, up to four years from the date of purchase.
Here are some key points to keep in mind about Chase Sapphire Reserve Return Protection:
- Purchase must be new and have a manufacturer's U.S. warranty
- Warranty must be three years or less
- Return Protection extends warranty by an additional year, up to four years
- Maximum coverage is $10,000 per item
- New York residents have 90-day coverage, others have 120 days
Coverage and Limitations
The Chase Sapphire Reserve return protection coverage has some limitations you should be aware of. You can get reimbursed for up to $500 per item, and a total of $1,000 per account in a 12-month period.
Some items are excluded from return protection, including live animals and plants, perishables, medical equipment, motorized vehicles, jewelry, art objects, and collectible items. Seasonal items and formal attire are also excluded.
You'll need to return the item to the Benefit Administrator in like-new condition to be eligible for reimbursement. This may require you to send the item back to the administrator with its original packaging and pay for shipping yourself.
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Here are some specific items that are excluded from return protection:
- Live animals and plants
- Perishables
- Medical equipment
- Motorized vehicles and their motors, equipment or accessories
- Jewelry, art objects and collectible items
- Seasonal items
- Formal attire
- Computer software
- Items purchased for resale or professional/commercial use
You'll need to file a claim within 90 days of purchase and return the completed claim form and any required documents within 60 days. You can file a claim online or by calling the benefit administrator at (888) 675-1461.
How It Works
To be eligible for Return Protection, you must charge the purchase in full to a Chase Sapphire Reserve card.
Return Protection is secondary to the retailer's return policy and only applies when the retailer won't accept a return for a refund, exchange, or credit.
You can file a return protection claim by using the online claims center or calling 1 (888) 675-1461 within 90 days of the purchase date.
You'll need to submit a claim form and provide any requested supplemental proof within 30 days.
Not all items qualify for Chase return protection coverage, so be sure to read the benefits guide that came with your card to see if an item is eligible.
To file a claim, you'll need to do so within 90 days of the purchase date, and then submit the claim form and any requested proof within 30 days.
Credit Cards
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The Chase Sapphire Reserve credit card comes with Return Protection, which offers reimbursement for purchases up to $500 with an annual maximum of $1,000 per account.
To file a return protection claim, you can use the online claims center or call 1 (888) 675-1461 within 90 days of the purchase date.
You'll need to submit a claim form and provide any requested supplemental proof within 30 days.
Not all items qualify for Chase return protection coverage, so be sure to read the benefits guide that came with your card to see if an item is eligible.
The Chase Sapphire Reserve card has an annual fee, but it also offers a range of complimentary benefits, including purchase protections like Extended Warranty Protection and Purchase Protection.
Frequently Asked Questions
What is the 4 year rule for Chase Sapphire Reserve?
The 4-year rule for Chase Sapphire Reserve prevents you from earning another initial bonus if you've already received one in the past four years. This rule applies to the card's 60,000 bonus points offer for new cardholders.
Sources
- https://www.chase.com/personal/credit-cards/education/basics/credit-cards-with-return-protection
- https://www.chase.com/personal/credit-cards/education/basics/how-chase-return-protection-works
- https://account.chase.com/sapphire/reserve/benefits
- https://wallethub.com/answers/cc/chase-sapphire-reserve-return-protection-1000406-2140661158/
- https://wallethub.com/answers/cc/chase-return-protection-1000406-2140864107/
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