Which credit cards still have return protection?

Chase Sapphire Reserve, Amex Platinum, Capital One Venture X (Visa Infinite), Amex UK (Platinum-tier insurance set) — the others checked here (Chase Sapphire Preferred, Amex Gold (premium purchase tier, standard trip tier), Capital One Visa Signature cards, Capital One World Mastercard, HSBC Elite (World Elite Mastercard), Citi Costco Anywhere Visa, Citi Double Cash / Custom Cash / Rewards+, Discover cards (Discover it, etc.)) carry none.

Is return protection the same as purchase protection?

No — purchase protection covers theft or damage; return protection reimburses you when a merchant refuses a return the retailer’s own policy would normally allow, within the card’s eligibility window.

Return Protection by Credit Card: Nearly Extinct

Return protection: nearly extinct on US credit cards

The answer: return protection — reimbursement when a merchant won't take an item back — has become rare. Among the cards checked here, only Chase Sapphire Reserve, Amex Platinum, Capital One Venture X (Visa Infinite), Amex UK (Platinum-tier insurance set) still carry it, each around $500/item, $1,000/year. Return protection appears extinct in the current US Mastercard ecosystem.

Coverage by card

Card	Cap per item	Annual cap	Window	Basis
Chase Sapphire Reserve	$500	$1,000	90 days	BGC11388_v2 — Return Protection: $500/item, $1,000/12mo; initiate within 90 days of PURCHASE, docs within 60 days of filing
Amex Platinum	$300	$1,000	90 days	Amex Return Protection: $300/item, $1,000/yr, within 90 days of purchase; docs within 30 days of the claim call
Capital One Venture X (Visa Infinite)	$300	$1,000	90 days	Cap1 Visa Infinite guide — Return Protection: $300/item, $1,000/yr
Amex UK (Platinum-tier insurance set)	£200	£750	90 days	Amex UK terms: Refund Protection £200/item, £750/yr

Card

Cap per item

Annual cap

Window

Basis

Chase Sapphire Reserve

$500

$1,000

90 days

BGC11388_v2 — Return Protection: $500/item, $1,000/12mo; initiate within 90 days of PURCHASE, docs within 60 days of filing

Amex Platinum

$300

$1,000

90 days

Amex Return Protection: $300/item, $1,000/yr, within 90 days of purchase; docs within 30 days of the claim call

Capital One Venture X (Visa Infinite)

$300

$1,000

90 days

Cap1 Visa Infinite guide — Return Protection: $300/item, $1,000/yr

Amex UK (Platinum-tier insurance set)

£200

£750

90 days

Amex UK terms: Refund Protection £200/item, £750/yr

Cards with no return protection

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)

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