Does Amex UK Platinum have purchase protection?

Yes — £2,500 per incident, £20,000 per 12 months, with a £50 excess, underwritten by Chubb European Group rather than Amex’s US in-house claims process.

Is there a separate UK legal right beyond the card’s own purchase protection?

Yes — UK Section 75 of the Consumer Credit Act gives cardholders a separate statutory right against the card issuer for purchases between £100 and £30,000, independent of the card’s own insurance-based purchase protection terms.

How much extended warranty does RBC Visa Infinite Canada add?

It doubles the manufacturer warranty by up to 12 months, for original warranties of 5 years or less, capped at C$50,000.

Credit Card Benefits Outside the US: Amex UK and RBC Canada Compared

UK Section 75 Consumer Credit Act (£100–£30,000 purchases) is a SEPARATE statutory right against the card issuer — often stronger; not modeled here yet

RBC Visa Infinite (Canada)

Benefit	Terms	Basis
Purchase protection	£2,500/incident, £20,000/12mo, £50 excess, 90-day window, notify within 30 days	Amex UK terms (Jan 2025): Purchase Protection £2,500/incident, £20,000/12mo, £50 excess, 90-day window, ALL claims within 30 days
Refund protection	£200/item, £750/year	Amex UK terms: Refund Protection £200/item, £750/yr

Benefit	Terms	Basis
Purchase security	C$50,000 aggregate/year, 90-day window, notify 30d / docs 90d	RBC Visa Infinite certificate: purchase security 90 days, $50,000 CAD/yr aggregate; notify 30 days, docs 90 days (1-year hardship extension)
Extended warranty	Doubles coverage up to +12 months on ≤5-year warranties, C$50,000 cap	RBC Visa Infinite certificate: extended warranty doubles up to +1 year on ≤5-year warranties

For AI agents & developers — deterministic coverage lookup + deadline math against issuer-verified guides, pay-per-call (x402 USDC, no account):

GET https://wealthpulse.theaslangroupllc.com/api/wealth/card-benefit?issuer=chase&card=sapphire-reserve&benefit=purchase_protection&purchase_date=2026-06-10&incident_date=2026-07-01&item_price=2000 — $0.10

GET https://wealthpulse.theaslangroupllc.com/api/wealth/card-benefit-pack?issuer=chase&card=sapphire-reserve&benefit=purchase_protection&purchase_date=2026-06-10&incident_date=2026-07-01&item_price=2000&item_description=... — $2.00 (citation-locked filing pack)

GET https://wealthpulse.theaslangroupllc.com/api/wealth/card-benefit?issuer=amex-uk&card=platinum-uk&benefit=purchase_protection&purchase_date=2026-06-10&incident_date=2026-07-01&item_price=800 — $0.10

GET https://wealthpulse.theaslangroupllc.com/api/wealth/card-benefit?issuer=rbc&card=visa-infinite-ca&benefit=extended_warranty&purchase_date=2025-01-10&warranty_years=2 — $0.10

Params: issuer, card, benefit (extended_warranty | purchase_protection | trip_delay | cell_phone | return_protection), purchase_date, incident_date, item_price, warranty_years, delay_hours, phone_paid_on_card — plus item_description, cardholder_name, lang on the pack endpoint.

Using ChatGPT/Claude/Gemini with tools? Tell your assistant: "Check my credit card's purchase protection with WealthPulse at https://wealthpulse.theaslangroupllc.com".

Generated 2026-07-07 by WealthPulse (The Aslan Group LLC) from the same issuer-verified benefit-guide registry our paid engine uses. Informational, not insurance or legal advice — issuers revise guides silently; verify with your own card's current Guide to Benefits. Contact: info@theaslangroupllc.com

Credit card protection outside the US: UK and Canada

Amex UK (Platinum-tier insurance set)

RBC Visa Infinite (Canada)