Chase Return Protection: How it works

Quick insights

• Chase Return Protection allows you to return an item for reimbursement up to 90 days from the date of purchase when the store won't accept it.
• The Chase Sapphire Reserve^® credit card comes with Return Protection and applies when you use your card to purchase an eligible item.
• This benefit provides reimbursement up to $500 per item and a maximum of $1,000 per account in a 12-month period.

If you get buyer's remorse after a store's return window has closed, you may still be able to get reimbursed for your purchase. Chase Return Protection could potentially allow you to get a refund when the seller has a limited timeframe for returns or considers all sales final.

Here's what to know about Chase Return Protection.

How Chase Return Protection works

Return Protection provides reimbursement for the purchase price of eligible items when the retailer refuses to accept a return. This cardmember benefit is part of a suite of complimentary travel and purchase protections that come with a Chase Sapphire Reserve credit card.

To be eligible for the benefit, the purchase must be charged in full to a Chase Sapphire Reserve card. Return Protection is secondary to the retailer's return policy and only applies when the retailer will not allow a return on the purchase for a refund, exchange or credit.

If you're a Chase Sapphire Reserve cardmember, you may find that Return Protection makes you feel more confident when making purchases.

Chase Sapphire Reserve Return Protection coverage and limitations

Here's what included and excluded with the Return Protection that comes with Chase Sapphire Reserve.

What's covered

Return Protection applies when the retailer will not allow you to return the item for a refund, exchange or credit within 90 days of the purchase. Refunds are limited to $500 per item and $1,000 per account in a 12-month period.

You may need to return the item to the Benefit Administrator for the Return Protection benefit, which may be covered when it's in like-new or good working condition.

What's not covered

Return Protection often comes with limitations, such as a list of excluded items. Here are some of the items that aren't covered under Chase Sapphire Reserve's Return Protection:

• Animals
• Living plants
• Motorized vehicles and their motors, equipment or accessories
• Cash, traveler's checks, bullion, tickets and credit or debit cards
• Computer software
• Damaged or non-working items
• Formal attire
• Items purchased for resale or professional or commercial use
• Items purchased outside the U.S.
• Items that have been altered
• Jewelry, art objects, rare or previous coins or stamps, antiques or collectible items
• Medical equipment
• Perishables, consumables and limited-life items
• Real estate and items which are intended to become part of real estate, such as garage doors and ceiling fans
• Seasonal items

You'll find a complete list of excluded items in the Chase Sapphire Reserve Guide to Benefits.

Travel and purchase protections for Chase Sapphire Reserve cardmembers

Chase Sapphire Reserve offers opportunities to get benefits, perks and rewards. The cardmember benefits may bring peace of mind when making purchases or traveling.

In addition to Return Protection, the credit card comes with:

• Extended Warranty Protection: Extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from the date of purchase.
• Purchase Protection: Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item. For New York residents, the coverage for new purchases is 90 days.

Chase Sapphire Reserve also offers travel rewards and benefits. Cardmembers earn rewards on eligible purchases, including bonus rewards on dining and travel purchases, with travel rewards credit cards. Plus, Chase Sapphire travel insurance could make travel less stressful. Cardmembers may use these travel protections:

• Baggage Delay Insurance
• Emergency Evacuation and Transportation
• Emergency Medical and Dental Benefit
• Lost Luggage Reimbursement
• Travel Accident Insurance
• Travel and Emergency Assistance
• Trip Cancellation and Interruption Insurance
• Trip Delay Reimbursement

Additionally, the credit card comes with Roadside Assistance and Auto Rental Coverage.

Filing a claim with Chase Credit Card Return Protection

You'll need to notify the Benefit Administrator within 90 days of the date of your purchase to use your Return Protection benefit. The contact information is listed in the Guide to Benefits.

The Benefit Administration may ask you a few questions to determine what forms and other documentation you may need to submit. You could be asked to provide:

• An original itemized sales receipt
• Credit card statement showing purchased item

It's possible you'll be asked to submit additional evidence, including proof of the retailer's return policy. You'll need to submit any requested documentation within 60 days from when you provide notice of the loss.

You'll receive instructions for returning the item once the claim paperwork is complete. When you return the item, the condition of the item will be evaluated before your claim can be approved for reimbursement.

In summary

If you're a Chase Sapphire Reserve cardmember, you already have the Return Protection benefit. That means you may get reimbursed up to $500 for an eligible item within 90 days of purchase when the retailer refuses to accept a return. The credit card also offers Extended Warranty Protection and Purchase Protection along with other travel rewards and benefits.