Chase Purchase Protection covers damage, theft, and loss on items you buy with your Chase card for up to 120 days after purchase

Chase offers Purchase Protection on most of its credit cards as a built-in benefit. The coverage reimburses you if something you bought with the card gets damaged, stolen, or lost within 120 days of the purchase date. Chase pays the repair cost or replacement cost, whichever is less, up to $500 per claim and $50,000 per account per year.

The benefit applies to almost any item you buy — clothing, electronics, furniture, sports equipment — as long as you charged it to a Chase card that includes the benefit. You do not need to buy a separate protection plan or pay an extra fee. The coverage is automatic for cardholders whose cards offer it.

The main limitation is the 120-day window. If your laptop breaks six months after you bought it, Purchase Protection will not cover it. You also cannot claim the same item twice, and the benefit does not cover items damaged by wear and tear, intentional damage, or damage from improper maintenance.

Key Takeaways

  • Purchase Protection covers damage, theft, and loss on items bought with your Chase card within 120 days of purchase, up to $500 per claim and $50,000 per account yearly.
  • The benefit is automatic on most Chase cards and does not require you to register purchases or pay extra fees.
  • You must file a claim within 90 days of the damage, theft, or loss occurring, and you will need proof of purchase and proof of the loss.
  • Wear and tear, intentional damage, and items damaged by improper care are not covered under this benefit.
  • Different Chase cards may have slightly different terms, so check your card's benefits guide to confirm your specific coverage limits.

Which Chase Cards Include Purchase Protection

Most premium and mid-tier Chase cards offer Purchase Protection, but not all. The Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Freedom Unlimited, and Chase Ink Business Preferred all include it. Many other Chase cards do as well, but entry-level cards and some co-branded cards may not.

The easiest way to know whether your card has the benefit is to check your card's benefits guide, which Chase sends with your card or makes available online through your account. You can also call the customer service number on the back of your card and ask whether Purchase Protection is included. Do not assume based on the card's name or tier — always verify with Chase directly.

If you have multiple Chase cards, each card's benefits are separate. A claim on one card does not affect your claim limit on another card, though the $50,000 annual cap applies per account, not per card.

What Counts as Damage, Theft, or Loss

Purchase Protection covers three specific situations. Damage means the item breaks or becomes unusable due to an accident — a phone screen cracks when you drop it, a jacket tears, a laptop stops working after water spills on it. Theft means someone steals the item from you. Loss means the item goes missing and you cannot locate it — you leave a bag at an airport, lose a watch, or a package never arrives.

The damage must be accidental or sudden, not gradual. If your shoes wear out from normal use over months, that is wear and tear and is not covered. If you spill coffee on your laptop and it stops working the same day, that is damage and is covered. If you leave your phone in a taxi and never see it again, that is loss and is covered.

Chase does not cover damage from intentional acts, damage from improper care or maintenance, damage from normal wear and tear, or loss of items left unattended in public places for extended periods. The exact definition of "extended" can vary, so ask Chase when you file a claim if you are unsure whether your situation qualifies.

How to File a Claim

You must file a claim within 90 days of the damage, theft, or loss occurring. Start by gathering your proof of purchase — the receipt, credit card statement, or order confirmation showing you bought the item with your Chase card. You will also need proof of the loss itself, which might be a police report for theft, photos of the damage, or documentation from the carrier if a package was lost in transit.

Contact Chase through your online account or by calling the customer service number on the back of your card. Tell them you want to file a Purchase Protection claim and provide the date of purchase, the item description, the purchase price, and the date the damage or loss occurred. Chase will send you a claim form to fill out and instructions on where to send your supporting documents.

Chase typically reviews claims within 30 to 45 days. If approved, they will send you a reimbursement check or credit the amount to your card account. If denied, Chase will explain why in writing. You can dispute a denial, though the process varies by card and situation.

Coverage Limits and What You Pay Out of Pocket

Each claim is covered up to $500, meaning Chase will reimburse you for up to $500 per item. If you bought a $2,000 laptop and it breaks, Chase covers only $500 of the repair or replacement cost. Your account has an annual maximum of $50,000 across all claims, so if you file five $500 claims in one year, you have used $2,500 of your annual limit.

There is no deductible on Purchase Protection claims — you do not pay Chase a fee to file or a set amount out of pocket before coverage kicks in. However, you are responsible for any repair or replacement cost above the $500 per-claim limit. If the item costs more to repair than to replace, Chase pays the replacement cost, not the repair cost.

If an item is partially damaged and still usable, Chase may offer a partial reimbursement rather than full replacement. For example, if a watch face cracks but the watch still works, Chase might cover the cost of a new face rather than a new watch.

How Purchase Protection Differs from Other Chase Benefits

Chase cards often bundle multiple protections together. Return Protection is different from Purchase Protection — it lets you return items within a certain window even if the merchant will not take them back, and Chase refunds your money. Extended Warranty extends the manufacturer's warranty on items you buy, covering defects that show up after the original warranty ends. Trip Delay Reimbursement covers hotel and meal costs if your flight is delayed.

Purchase Protection specifically covers sudden, accidental damage, theft, and loss. It does not cover items that stop working because they are defective (that is what Extended Warranty covers) or items you straightforward want to return (that is what Return Protection covers). Understanding which benefit applies to your situation helps you know what to claim and what to expect.

Some cards offer stronger versions of these benefits than others. A premium card might cover up to $1,000 per claim or $100,000 annually, while a standard card covers $500 and $50,000. Always check your specific card's benefits guide to know your exact limits.

When Purchase Protection Does Not explore

Purchase Protection does not cover items you buy with cash, debit cards, or other credit cards — only items charged to your Chase card. It also does not cover items you buy from merchants outside the United States, though some Chase cards extend coverage to international purchases. Check your benefits guide to see whether your card covers purchases made abroad.

Items purchased for business use may not be covered under personal card benefits, though Chase business cards have their own Purchase Protection with similar terms. Items purchased as gifts are covered as long as you charged them to your card, but the person receiving the gift cannot file a claim — only the cardholder can.

Certain categories are typically excluded: vehicles, real estate, animals, perishable goods, and items with no receipt or proof of purchase. If you are unsure whether a specific item or situation is covered, contact Chase before you need to file a claim.

Frequently Asked Questions

Do I have to register my purchases for Purchase Protection to work?

No. Purchase Protection is automatic on cards that offer it. You do not need to register purchases, enroll in the benefit, or take any action. As long as you charged the item to your Chase card, you are covered.

What happens if I buy something and it arrives damaged?

If a package arrives damaged, that counts as damage under Purchase Protection. File a claim within 90 days of receiving it. You will need the original receipt or order confirmation and photos of the damage. Chase will reimburse you up to $500.

Can I claim the same item twice if it gets damaged again?

No. Once you file a claim on an item and Chase reimburses you, you cannot claim that same item again. If the replacement item is later damaged, you can file a new claim on the replacement, but not on the original item.

How long does it take to get reimbursed after I file a claim?

Chase typically reviews claims within 30 to 45 days. Once approved, reimbursement is sent as a check or credit to your card account within a few business days. The total timeline from filing to receiving money is usually 4 to 8 weeks.

Does Purchase Protection cover items I bought on sale or clearance?

Yes. Chase reimburses based on what you actually paid for the item, not the original retail price. If you bought a jacket on clearance for $40, that is the amount Chase will cover if it is damaged or lost.