The Best Credit Card for Return Protection


Most credit cards ranging from no annual fee to high annual fee cards offer return protection. Which credit card offers the best return protection?

What is credit card return protection?

Return protection is a perk that extends the return window of an item or creates a return policy if there wasn't one before (i.e., final sale). You're covered by the credit card company if the merchant won't accept the return.

For example, If you purchase an item and you can no longer want it, or if it's past the merchant return window, the credit card company will accept the return (usually within 90 days of purchase). 

What doesn't qualify for return protection?

Each credit card issuer has different policies, so be sure to read your benefits guide or contact the benefits administrator. 

Common items that are not eligible for return protection:

  • Cash equivalents like gift cards
  • Tickets
  • Consumables like food, candles, and batteries

How do you use return protection?

Our favorite company for return protection is American Express because they issue a pre-paid shipping label to return the item. With other companies like Citi and Discover, you are responsible for shipping.

For American Express, you are limited to $300 per item.

How to file a return protection claim:

  1. Contact the benefits administrator either online or call the number on the back of your credit card. Let them know you would like to file a return protection claim. Each credit card company has a different process.
  2. Be sure the item can no longer be returned to the merchant. 
  3. The item must be in sellable condition, i.e., not used or show signs of wear and tear.

One of the advantages of having an American Express card, regardless of if the card has an annual fee, is that each card comes with $1,000 of return protection, per year. 

View the current public card offers by clicking the travel banner above this post or the link below.

Tell us about your experience in the comments below! Have you used return protection? What was your experience like?