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Return protection
Return protection © Robert Kneschke/

Return protection

Here's a look at the programs -- and caveats -- offered by the major card networks when merchants will not accept a return because of a set limit on the number of days passed purchase.

  • American Express: Refunds of up to $300 per item and $1,000 per account annually are available up to 90 days after your purchase. Items must be in the "original purchase condition." The purchase must have been made within a U.S. state or territory. Excluded items include motorized vehicles, perishable items, computer software and jewelry.
  • Discover: Returns must be made within 90 days of purchase. Refunds are available up to $500 per item and $2,500 maximum per account annually. Excluded items include digital downloads and products for commercial use.
  • MasterCard: Coverage is limited to 4 claims per cardholder annually with a maximum of $250 for each claim. Returns must be made within 60 days of purchase. Items must be purchased from a store that has a minimum 10-day return or exchange policy. Excluded items include collectibles, one-of-a-kind items and professional services.
  • Visa: The payment processor doesn't offer a specific return program, but banks that offer Visa-branded cards may offer return protection policies. The Chase Visa Platinum, for example, will accept claims up to 90 days after purchase with a limit of $250 per claim and $1,000 annually.


Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

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