Please ensure Javascript is enabled for purposes of website accessibility

This device is too small

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Skip to main content

A Guide to Chase Purchase Protection Benefits

Updated March 8, 2022
Lyle Daly
By: Lyle Daly

Our Credit Cards Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

If you have a Chase card, Chase purchase protection will cover your eligible purchases. This kicks in when a new purchase is damaged or stolen. You can file a claim to get the item repaired, replaced, or reimbursed. It's one of many Chase credit card benefits you'll find, along with extended warranty coverage, return protection, price protection, and travel insurance.

All Chase credit cards have purchase protection, as it's one of the standard benefits. Only some Chase cards have those other coverages. In this guide, you'll learn what's covered, how to file a claim with the card issuer, and purchase protection limits for every Chase card.

Chase purchase protection: What's covered?

Chase purchase protection covers theft or damage to new retail purchases for 120 days after the purchase date. You must pay for the purchase, or at least a portion of it, with your Chase card or rewards from your Chase card. This means your credit card purchase protection also covers items paid for with Chase Ultimate Rewards points.

There are limits to how much Chase purchase protection pays for eligible claims. The maximum is either the amount you paid for the purchase with your Chase card or your Chase card's per-claim limit, whichever is less. For example, many Chase cards have a per-claim limit of $500. If you have one of those cards, then the purchase protection benefit will pay up to $500 on a single claim.

In addition, Chase cards have a separate total limit -- either per card account or per year. If the limit is per card account, that's the maximum purchase protection benefits you can receive with that Chase credit card.

What's not covered

There are many situations and purchase types that aren't covered by Chase purchase protection. Examples include:

  • Items that mysteriously disappear with no evidence of a wrongful act
  • Used and pre-owned items (refurbished items are covered if accompanied by a warranty)
  • Antiques and collectibles
  • Motorized vehicles including boats, automobiles, and aircraft, as well as their accessories
  • Computer software
  • Items purchased for resale, professional, or commercial use
  • Animals and living plants
  • Medical equipment
  • Perishable or consumable items, such as cosmetics, perfumes, and rechargeable batteries

If you want to know more about what is and isn't covered, review the guide that came with your Chase credit card.

If you're interested in getting a credit card that offers purchase protection, consider checking if you prequalify for a Chase credit card. Here are a few of our favorite Chase cards -- for the full list, check out our guide: Best Chase credit cards

As of Feb. 03, 2023
Image for
Image for
Image for
Chase Sapphire Preferred® Card Chase Sapphire Reserve® Chase Freedom Flex℠
Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

Credit Rating Requirement:

Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Credit Rating Requirement:

Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Credit Rating Requirement:

Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Welcome Offer: Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

60,000 bonus points

Welcome Offer: Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®

60,000 bonus points

Welcome Offer: Circle with letter I in it. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus

Rewards Program: Circle with letter I in it. Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

1x - 5x points

Rewards Program: Circle with letter I in it. Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

1x - 10x points

Rewards Program: Circle with letter I in it. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

1% - 5% cash back

Intro APR: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Intro APR: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Intro APR: Circle with letter I in it. 0% Intro APR on Balance Transfers, 15 months

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR:

20.24% - 27.24% Variable

Regular APR:

21.24% - 28.24% Variable

Regular APR:

19.24% - 27.99% Variable

Annual Fee: Circle with letter I in it. N/A

$95

Annual Fee: Circle with letter I in it. N/A

$550

Annual Fee: Circle with letter I in it. N/A

$0

Highlights:

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. 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, 2024.

Highlights:

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Highlights:

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

Show More Arrow graphic to expand and collapse content Show Less Arrow graphic to expand and collapse content

Purchase protection limits

Below are the purchase protection limits, along with the annual fees, for every Chase credit card. If you're comparing credit cards based on purchase protection coverage, you can see what each one offers here.

Card Purchase protection limit
Chase Freedom Unlimited® $500 per claim and $50,000 per account
Chase Freedom Flex℠ $500 per claim and $50,000 per account
Chase Freedom Student® credit card $500 per claim and $50,000 per account
Chase Freedom* (no longer available for new applicants) $500 per claim and $50,000 per account
Chase Sapphire Preferred® Card $500 per claim and $50,000 per account
Chase Sapphire Reserve® $10,000 per claim and $50,000 per year
Chase Slate®* (no longer available for new applicants) $500 per claim and $50,000 per account
Southwest Rapid Rewards® Priority Credit Card $500 per claim and $50,000 per account
Southwest Rapid Rewards® Plus Credit Card $500 per claim and $50,000 per account
Southwest Rapid Rewards® Premier Credit Card $500 per claim and $50,000 per account
United Club℠ Infinite Card $10,000 per claim and $50,000 per year
United Gateway℠ Card $500 per claim and $50,000 per account
United℠ Explorer Card $10,000 per claim and $50,000 per year
British Airways Visa Signature® Card $500 per claim and $50,000 per account
Aer Lingus Visa Signature® card $500 per claim and $50,000 per account
Iberia Visa Signature® card $500 per claim and $50,000 per account
Marriott Bonvoy Boundless® Credit Card $500 per claim and $50,000 per account
Marriott Bonvoy Bold® Credit Card $500 per claim and $50,000 per account
The World of Hyatt Credit Card $500 per claim and $50,000 per account
Disney® Premier Visa® Card $500 per claim and $50,000 per account
Disney® Visa® Card $500 per claim and $50,000 per account
IHG® Rewards Premier Business Credit Card $500 per claim and $50,000 per account
IHG® Rewards Club Traveler Credit Card $500 per claim and $50,000 per account
Starbucks® Rewards Visa® Card $500 per claim and $50,000 per account
Amazon Rewards Visa Signature Card $500 per claim and $50,000 per account
Amazon Prime Rewards Visa Signature Card $500 per claim and $50,000 per account
Ink Business Unlimited® Credit Card $10,000 per claim and $50,000 per account
Ink Business Cash® Credit Card $10,000 per claim and $50,000 per account
Ink Business Preferred® Credit Card $10,000 per claim and $50,000 per account
UnitedSM Business Card $10,000 per claim and $50,000 per account
Southwest Rapid Rewards® Performance Business Credit Card $10,000 per claim and $50,000 per account
Southwest Rapid Rewards® Premier Business Credit Card $10,000 per claim and $50,000 per account
Data source: Chase.

Chase's purchase protection limits are competitive with the best credit cards. That's particularly true with some of its higher-end cards. These come with limits of $10,000 per claim and $50,000 per account or per year.

How to file a claim

The fastest way to submit a Chase purchase protection claim is through its online claims center, Eclaims. You can also call 1-888-320-9656. Note that certain Chase credit cards have different purchase protection claim phone lines. You may want to check the guide to benefits for your specific Chase card to see if there's another phone number available.

You must notify the benefit administrator online or by phone within 90 days of the damage or theft. If you don't, your claim may be denied.

Once you've done that, you'll receive claim forms. The benefit administrator will also tell you what other documentation is required. You may need the following documents:

  • Credit card statement showing the last four digits of your card number and the purchase related to the claim
  • Repair estimates or invoice if the item is repairable
  • Copy of a police report (which must have been made within 48 hours of the loss for theft claims), fire report, or other incident report made for the loss of the item

Submit the claim forms and any required documents within 120 days of the damage or theft.

Chase purchase protection is a cardholder perk you hope you never need to use. But if something you buy is damaged or stolen, you'll be happy the credit card company offers this feature. It's also nice to have peace of mind that your new purchases are covered.

Choosing a credit card

Don't you wish you could take a peek inside a credit card expert's wallet sometimes? Just to see the cards they carry? Well, you can't look in anybody's wallet, but you can check out our experts' favorite credit cards. Get started here:

FAQs

  • Chase purchase protection covers eligible new purchases in the event of damage or theft. If either of those occur to an eligible purchase, you can file a claim to get it repaired, replaced, or reimbursed. This protection lasts for 120 days from the purchase date.

  • Not all purchases made with a Chase card are covered by purchase protection. Certain types of items, such as used products, collectibles, motorized vehicles, and products purchased for professional use, aren't eligible. Purchases that vanish with no evidence of wrongdoing also won't be covered.

    You'll find a longer list of purchases that aren't covered in the benefits guide that comes with each Chase credit card.

  • To file a Chase purchase protection claim, go to the credit card issuer's online claims center. Click "New Claim" to start the claim process. If you'd rather file a claim over the phone, you can call 1-888-320-9656.

Our Credit Cards Expert