Does Chase reimburse stolen items?
William Jenkins
Updated on February 14, 2026
If the item you purchased is stolen or accidentally damaged within 120 days from the date of purchase, you can receive a replacement, repair, or reimbursement for your item at the discretion of the benefits administrator. The amount of coverage you have is based on your credit card and capped by claim and account.
Does Chase purchase protection cover lost items?
Chase credit card purchase protection covers you for up to $50,000 annually for lost, damaged or stolen items purchased with an eligible Chase card. When you file a claim, Chase will either repair or replace the item, at the Benefit Administrator’s discretion.
Do credit cards cover lost items?
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 purchase protection cover theft?
A credit card’s purchase protection typically covers theft and damage to a tangible item within a specific time frame from when you purchased the item. For an item to qualify for purchase protection, you must buy it with the credit card that you plan on filing a claim under.
Does Chase credit card offer buyer protection?
Chase offers purchase protection on all of its credit cards. This benefit provides coverage for an item purchased with a Chase card if the item is stolen or accidentally damaged within 120 days from the date of purchase.
Does Chase Freedom cover cell phone damage?
Cell phone protection: Get up to $800 per claim and $1,000 per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when you pay it with your Chase Freedom Flex℠. You can make a maximum of two claims in a 12-month period with a $50 deductible per claim.
Does Chase purchase protection work?
How does Chase purchase protection work? 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.
Are items purchased by credit card insured?
Why do credit cards offer this protection? Under section 75 of the Consumer Credit Act, you’re covered if you use your credit card to buy something such as a computer, an item of furniture or a holiday that costs over £100 and up to £30,000.
Does Visa cover lost or stolen items?
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 credit card has the best buyer protection?
Best Credit Cards for Purchase Protection
- The Platinum Card® from American Express.
- Chase Sapphire Preferred® Card.
- Chase Sapphire Reserve® Card.
What to do if your chase card is lost or stolen?
Personal Banking: If your card has been lost, stolen or damaged, call us immediately at 1-800-935-9935. Go to for call center hours. We accept operator relay calls. If you’re deaf, hard of hearing, or have a speech disability, call 711 for assistance.
Which is chase card offers purchase protection benefits?
Quick Reference Guide to Chase Personal Cards — Price and Purchase Protection Benefits Credit Card Annual Fee Marriott Boundless Card $95 Hyatt Credit Card $95 Disney Premier Card $49 Disney Card $0
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.