Do credit cards cover lost packages?
Jackson Reed
Updated on February 08, 2026
Yes. In some cases, your credit card issuer will cover all or part of the cost of an item you report as stolen or accidentally damaged. However, a few credit cards now promote their purchase protection programs as crucial benefits that set them apart from the competition.
Does MasterCard cover lost items?
MasterCard has a purchase protection program that comes complimentary with many qualifying cards. The MasterCard purchase protection program covers damaged or stolen items within the first 90 days of purchase. How Do You Get Coverage? Make a purchase with your MasterCard.
Does Visa cover stolen packages?
Visa cardholders can benefit from the security and safety offered through Visa Purchase Protection. If something you bought with your card is damaged or stolen within 180 days of purchase, you are protected.
What is the best credit card protection plan?
Comparing the best credit cards for purchase protection
| Card | Maximum coverage amount | Coverage duration (days) |
|---|---|---|
| Ink Business Cash Credit Card | $10,000 per claim | 120 |
| Blue Cash Everyday Card from American Express | $1,000 per item (or $500 per event for natural disasters) | 90 |
| Chase Freedom | $500 per claim | 120 |
What is credit card return protection?
What is return protection? Return protection is a perk that extends the “return life” of an item or creates a return policy where perhaps none existed before and is typically provided by credit card processors (e.g., Mastercard or American Express) rather than issuers (e.g., Chase or Citi).
What protection does Mastercard offer?
When you use your Mastercard, you’re protected against fraud As a cardholder, you will not be held responsible for unauthorised transactions if: You have used reasonable care in protecting your card from loss or theft; and. You promptly reported loss or theft to your financial institution.
Does Visa debit have buyer protection?
Visa Debit is protected with Visa Zero Liability*, which means that you don’t pay for fraudulent purchases.
Are Visa debit card purchases protected?
You get debit card protection through the Chargeback scheme for purchases made using all UK debit cards, including: Visa and Visa Electron cards.
When does a credit card cover a lost item?
It does not cover lost items. Your goods are only covered for 90 days after the purchase. The benefits from MasterCard vary by card type and the bank that issued it. You can call MasterCard to check your benefits, regardless of which bank issued your card.
Can a credit card be used to recover stolen goods?
MasterCard has a program to help if your goods are lost or stolen. MasterCard also has a program to help you if your goods are damaged or stolen. It does not cover lost items. Your goods are only covered for 90 days after the purchase.
What to do if you lose something on your credit card?
Don’t fret right away the next time you lose something. First, check the features of the credit card you used to buy the lost item. Perhaps a purchase protection feature exists that can help replace your lost item for free.
What happens to my credit card if I Lose my Luggage?
What’s usually covered: If you paid for your tickets with your credit card and your checked baggage is stolen or lost by the carrier, you’ll usually be eligible for up to $3,000 of coverage for the replacement value of your lost stuff.
