Return Protection*

The following information is a summary only. Please see your Guide to Benefits for complete details.

Benefit Overview

  • Provides reimbursement if you are dissatisfied with a personal item that you purchased and the merchant will not accept the return 
  • The item must be purchased with an eligible Chase card or with rewards earned on an eligible Chase card 
  • Coverage is in excess of any applicable store guarantees

 Who’s Covered

  • Cardholder

 Coverage Amount

  • Up to $500 for each eligible item, maximum $1,000 per year


 What’s Covered

  • Personal items in like-new/good working condition that have been purchased within 90 days, which you have attempted to return to the merchant

 What’s Not Covered

This is not an exhaustive list. Examples include:

  • Animals and living plants
  • Automobiles, boats, aircrafts, trailers and any other motorized vehicles and their motors, equipment, or accessories
  • Computer software or medical equipment
  • Jewelry, art objects, collectible items, formal attire and accessories
  • Damaged and non-working items
  • Items purchased for resale, professional or commercial use, or outside the United States
  • Tickets, travelers checks, gift cards and any other negotiable instruments
  • Seasonal items and objects which are intended to become part of real estate such as garage doors and ceiling fans

 Important Claim Information and Timeframes

  • If the merchant won’t accept the return, you, the Cardholder, must notify the Benefit Administrator within 90 days of the date of purchase
  • The Benefit Administrator will send you a claim form.  You must submit a completed claim form with supporting documentation within 30 days from the date you notified the Benefit Administrator
  • If the claim is filed within 30 days of purchase, you may need to submit proof of the store’s return policy
  • The item must be returned to the Benefit Administrator in like-new/good working condition
Need to Know

Need to know more?

Download your complete
Guide to Benefits.

Or call 1-800-874-7702 for information or to file a claim.

You can also file a claim online at

Call 1-800-874-7702

for information or to file a claim.

You can also file a claim online at