Credit cards with purchase protection

22 cards in the catalogue list purchase protection among their benefits, 7 of them with no annual fee. Those with a stated limit come first, largest first.

Read this first

This list comes from each issuer's benefit summary, read on the month shown beside each card. Summaries leave out the exclusions, the claim limits per year and the conditions — often that the whole trip or purchase has to go on the card — so read the card's full guide to benefits before you rely on one. 29 of the 69 cards in the catalogue have no benefits recorded here yet and are left out, so a card missing from this list may still have it.

Card	Annual fee	What the summary says	Read
Bilt Mastercard Bilt	none	up to $10,000 per claim · 90 days Purchase protection up to $10,000 per claim for 90 days after you buy	2026-09
Capital One Venture X Capital One	$395	up to $10,000 per claim · 90 days Purchase protection up to $10,000 per claim for 90 days after you buy	2026-09
Chase Sapphire Reserve Chase	$795	up to $10,000 per claim · 120 days Purchase protection up to $10,000 per claim for 120 days after you buy	2026-09
American Express Platinum Card American Express	$895	up to $10,000 per claim · 90 days Purchase protection up to $10,000 per claim for 90 days after you buy	2026-09
American Express Blue Business Plus American Express	none	up to $1,000 per claim · 90 days Purchase protection up to $1,000 per claim for 90 days after you buy	2026-09
American Express Blue Cash Everyday American Express	none	up to $1,000 per claim · 90 days Purchase protection up to $1,000 per claim for 90 days after you buy	2026-09
American Express Hilton Honors Card American Express	none	up to $1,000 per claim · 90 days Purchase protection up to $1,000 per claim for 90 days after you buy	2026-09
American Express Blue Cash Preferred American Express	$95	up to $1,000 per claim · 90 days Purchase protection up to $1,000 per claim for 90 days after you buy	2026-09
American Express Classic Green Card American Express	$150	up to $1,000 per claim · 90 days Purchase protection up to $1,000 per claim for 90 days after you buy	2026-09
American Express Delta SkyMiles Gold American Express	$150	up to $1,000 per claim · 90 days Purchase protection up to $1,000 per claim for 90 days after you buy	2026-09
American Express Hilton Honors Surpass American Express	$150	up to $1,000 per claim · 90 days Purchase protection up to $1,000 per claim for 90 days after you buy	2026-09
American Express Delta SkyMiles Platinum American Express	$350	up to $1,000 per claim · 90 days Purchase protection up to $1,000 per claim for 90 days after you buy	2026-09
Chase Freedom Flex Chase	none	up to $500 per claim · 120 days Purchase protection up to $500 per claim for 120 days after you buy	2026-09
Chase Freedom Unlimited Chase	none	up to $500 per claim · 120 days Purchase protection up to $500 per claim for 120 days after you buy	2026-09
Chase Sapphire Preferred Chase	$95	up to $500 per claim · 120 days Purchase protection up to $500 per claim for 120 days after you buy	2026-09
Amazon / Chase Prime Visa Amazon / Chase	none	120 days Purchase protection for 120 days after you buy	2026-09
Chase Bonvoy Boundless Chase	$95	120 days Purchase protection for 120 days after you buy	2026-09
Chase World of Hyatt Chase	$95	120 days Purchase protection for 120 days after you buy	2026-09
Chase IHG One Rewards Premier Chase	$99	120 days Purchase protection for 120 days after you buy	2026-09
Chase United Explorer Chase	$150	120 days Purchase protection for 120 days after you buy	2026-09
Chase Rapid Rewards Priority Chase	$229	120 days Purchase protection for 120 days after you buy	2026-09
American Express Gold Card American Express	$325	90 days Purchase protection for 90 days after you buy	2026-09

Rewards rates are a separate question — each card's page says what it earns and whether its fee pays for itself. How the data here is kept, and how fresh it is.

Other benefits

Which of your cards covers this?

Cardful's cheat sheet lists the benefits across the cards you carry, side by side.

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