Chase purchase protection: Benefits, claims, and tips

What is Chase purchase protection?

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. 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.

Overview of purchase protection benefits

According to Chase, purchase protection covers eligible items you purchase against theft, damage, or involuntary and accidental parting within 120 days of the date of purchase (90 days for New York residents).

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 — such as 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.

How it works for Chase credit card holders

As a Chase cardholder, you'll need to make a claim within 90 days of the damage, theft, or involuntary and accidental parting, and you're eligible if you charge some or all of the cost of the item to your covered card and/or use redeemable rewards to pay.

Once your claim is filed, you'll have to provide a signed claim form and documentation to the benefits administrator within 120 days of the damage, theft, or involuntary and accidental parting.

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Perks

Earn 5 points on travel purchased through Chase Travel℠. Earn 3 points on dining, select streaming services and online groceries. Earn 2 points on all other travel purchases. Earn 1 points on all other purchases.

Annual Fee

$95

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19.99% - 28.24% Variable

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Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

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Pros

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• Strong travel coverage

Cons

• Doesn't offer a Global Entry/TSA PreCheck application fee credit

Insider’s Take

If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.

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Product Details

• Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC

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What does Chase purchase protection cover?

Depending on the nature of your claim, Chase may cover the lesser of any of the following (up to coverage limits):

• The cost to repair the item
• The cost to replace the item with an item of like kind and quality
• The amount charged to your card and/or redeemable rewards used (excluding shipping and handling)

If you used rewards (such as Chase Ultimate Rewards® points) to pay for your item, you won't get the points back — you'll be reimbursed in cash. 

Eligible items and coverage limits

What is covered under Chase purchase protection? Broadly, Chase purchase protection covers eligible new items bought as personal property, or as gifts for friends and family. Purchases made in the US and internationally can qualify.

The maximum reimbursement you can claim is the purchase amount of the item as listed on the card receipt, up to coverage limits. Most personal cards cap coverage at $500 per claim and $50,000 per account, but Chase business credit cards (and a handful of travel rewards cards) have a maximum of $10,000 per claim and $50,000 per year.

Exclusions and restrictions to be aware of

Chase also has a lengthy list of things it won't cover, including misdelivered or lost items, used or pre-owned items (refurbished goods can qualify if accompanied by a warranty), and damage from inherent product defects.

Losses caused by normal wear and tear, abuse, fraud, hostilities (war, invasion, rebellion, insurrection, terrorist activities, etc.), confiscation by authorities (if contraband or illegal), flood, earthquake, or radioactive contamination aren't eligible for coverage, either.

In addition, the following types of items aren't eligible:

• Animals and living plants
• Antiques or collectible items
• Boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment, or accessories, including trailers and other items towable by or attachable to any motorized vehicle
• Computer software
• Items purchased for resale, professional, or commercial use
• Items under the control and care of a common carrier, including the US Postal Service, airplanes, or a delivery service
• Items in your baggage on a common carrier unless hand carried or under your supervision or that of a companion you know, including jewelry and watches
• Medical equipment
• Perishables, consumables, and limited-life items, including but not limited to, cosmetics, perfumes, and rechargeable batteries
• Traveler's checks, cash, tickets, credit or debit cards, among other negotiable purchased instruments

Make sure to check your benefits guide for the full list before filing a claim.

Which Chase cards qualify?

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 cards that reimburse up to $10,000 per claim

These cards will reimburse up to $10,000 per claim and $50,000 per year:

How to file a claim under Chase purchase protection

Chase changed its benefits claim process in October 2024, so if you've filed claims before that date, you'll notice quite a few changes.

Here's exactly how to claim Chase purchase protection.

Step-by-step guide to submitting a claim

Step 1: Navigate to the Chase Card Benefits website

Chase partners with a third-party company, Assurant, to handle its claims and administer reimbursement, so the first step in filing a claim is heading to the Chase Card Benefit Claims website.

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If you already have card benefit claim account, you can sign in with your email and password to start a claim. If it's your first time using the website, click the "Verify Card & Register" button.

You'll be asked for your contact information, including name, address, and phone number. Chase will send an email through which you can activate your account and set a password. Then you'll be prompted to add your credit card details (you can add other Chase cards to your account later, if needed).

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Step 2: Start a new claim

On the claim dashboard, select your card from the pull-down menu. In this example, I've used my Chase Freedom Unlimited® Credit Card. Click the "File a Claim" button on the upper right-hand side of the screen to start a new claim.

Chase

Note that you can also register an item for extended warranty coverage (a separate benefit from purchase protection) on this page.

Step 3: Select the benefit for the claim

Most Chase cards come with benefits other than purchase protection, such as rental car insurance or trip cancellation/interruption insurance. Here, you'll be prompted to choose the benefit for this claim. Select "Purchase Protection" and click "Next."

Chase

Step 4: Enter claim details

From here, you will be asked to fill in key details, including the purchase date, price, reason for your claim, the date and location of the incident, and a description of the item (including item name/model, serial number, and manufacturer).

In addition, you'll need to indicate if the item is covered by other insurance and/or a warranty. If yes, Chase will ask for the insurance provider's name and phone number, your policy number, and amount already reimbursed.

You'll also need to enter the type of loss, from four options:

• Damaged: The item no longer works normally because of broken parts, material, or structural failure.
• Involuntary and accidental parting: Unintended separation from an item of personal property the location is known, but recovery is impractical to complete. Note that items that are lost or mysteriously disappear are not covered.
• Theft: The item was taken by force and/or under duress, or the item disappeared likely because of theft and a police report has been filed.
• Other: Anything other loss type that doesn't fall into the above categories.

Chase will also ask you your preference for method of payment (check or ACH).

Step 5: Upload required documentation and proof of purchase

You'll then be asked to upload documentation to support your claim, which may include:

• Itemized store receipt
• Monthly billing statement showing purchase amount and last four digits of your card number
• Repair estimate from an authorized repair facility
• Police, fire, or incident report (filed within 48 hours or as soon as possible after a loss)
• Other claim settlement details (from other insurance, if applicable)

If you don't have everything handy, you can skip this step and upload your documentation later.

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Step 6: Agree to terms and submit claim

Next, you'll need to read Chase's terms and conditions and review a fraud disclosure. Click the box to agree and then click "Submit."

Chase

You should then receive an email from the Chase card benefits administration team (chasecardbenefits@virginiasurety.com) or, if you've selected snail mail as your communication preference, a letter. You'll also be able to see your claim number and details on the Chase Card Benefits Claims dashboard.

Step 7: Wait for claim to process

Chase may request further documentation from you depending on the nature of your claim. Upload or send in your documentation as soon as possible, or within 120 days of your loss. Once all documents are received, Chase says you'll receive a response within seven business days.

If your claim is approved and you've selected ACH as your payment method, you'll receive an email within one business day of claim approval asking for your banking information (the email will come from Virginia Surety Company Inc/ donotreply@jpmorgan.com so be sure to check your spam folder). Once you've accepted the payment, it should only take a couple of days for the money to be sent to your account.

Otherwise, a check will be mailed to you within three days of claim approval.

Tips for maximizing Chase purchase protection

Understanding your cardholder guide to benefits

To learn about purchase protection coverage specific to your card, you'll want to check out your guide to benefits. Chase would have mailed you a copy, but if you've misplaced or discarded it, you can find your benefits details online in your Chase account.

If you've already set up your card on the Chase Card Benefit Claims website, you'll see a link to the full benefits guide when you select the card from your account dashboard. Be sure to note your maximum per-claim amount ($500 or $10,000) before you file to ensure you're not disappointed with the claim result.

Best practices for keeping records and receipts

Your purchase protection claim could be denied if you don't have supporting documentation to prove your purchase date, amount, and payment with your eligible Chase card. That's why keeping the receipt (or taking a photo of it) from any major purchase is a good idea.

If you've misplaced a paper receipt, you may be able to pull up a copy if you have an online account with the merchant. The same goes for your credit card statement — you can find your previous statements online in your Chase account.

Generally, if you follow these Chase purchase protection claim tips, the process should be mostly seamless as long as your documentation is in order.

FAQs about Chase purchase protection

Carly Helfand

Carly Helfand is a points and miles blogger and coach who's been using points to travel to 52 cities in every calendar year since 2011. She’s also a full-time financial journalist who got her start in the business reporting world while earning her master's at Northwestern University's Medill School of Journalism. In 2017, she founded a blog and online course devoted to sharing the strategies she’s used to see the cherry blossoms in Tokyo, trek to Machu Picchu, sundown in the Maldives and more without spending a dime on airfare.When not traveling, Carly prefers watching pro hockey to nearly everything. She also plays the Irish fiddle. You can connect with her at 52citiesblog.com or on Instagram at @carlyhelfand.

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Jasmin Baron

Jasmin Baron is a credit cards writer and editor who has contributed her knowledge to sites like The Points Guy, Million Mile Secrets, and Business Insider.Her expertise in maximizing travel rewards grew from over two decades of experience in the aviation industry, including 18 years working as a pilot and flight instructor in her native Canada.

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