One of my favorite fringe benefits of the AMEX Starwood card is the return protection. Sure the Starpoints are amazing and other fringe benefits like warranty coverage are extremely useful, but the return protection is incredible.
It works like this, if you buy something under $300 and the store won’t take it back then you can return it to AMEX as long as you file a return within 90 days of purchase and send it back to AMEX within 30 days of filing for a return.
Plus it can all be done online and it is a fairly painless process.
It’s great for stores that don’t accept returns or have a short return policy. Or for buyer’s remorse for paying too much for a pair of designer sunglasses or clothes that can’t be returned to the store.
I recently picked up the Chase Sapphire card to transfer the bonus miles over to Continental and noticed that it too has return protection, but with even more generous terms. Plus the card has no annual fee!
Some of the items not eligible for returns by either card:
-Anything that’s not “personal property”
-Defective, damaged, or non-working items (These must be returned to the store or refunded via a chargeback)
-Items purchased outside the U.S.
-Items that are still within the return policy from the store of purchase
-Items upon which alteractions were made.
-Animals and living plants.
-Antiques and artwork
-Rare and precious coins
-Formal Attire (Gowns, Tuxedos, etc.)
Items excluded for return to Starwood AMEX, but not excluded by Chase Sapphire:
-Compact discs, digital video discs, video console games.
-Tickets of any kind.
Items excluded for return to Chase Sapphire, but not excluded by Starwood AMEX:
AMEX Starwood return terms: File a claim online within 90 days of purchase. Return an item within 30 days of the claim up to $300 in value. Limit of $1,000 of returns in a calendar year.
Chase Sapphire return terms: File a claim over the phone within 90 days of purchase. Return an item within 30 days of the claim up to $500 in value. Limit of $1,000 of returns in a calendar year.
Chase Sapphire Benefit Phone Number: 888-320-9961.