Best Credit Cards for Purchase Protection (2026)

Best For: Streamlined Travel Rewards

‍

Capital One Venture Rewards Credit Card

‍

[[ SINGLE_CARD * {"id": "438", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Streamlined Travel Rewards", "headerHint": "Purchase with Confidence"} ]]

Best For: Travel Benefits

‍

Capital One Venture X Rewards Credit Card

‍

[[ SINGLE_CARD * {"id": "2888", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Travel Perks", "headerHint": "Peace of Mind"} ]]

Best for: Travel and Dining Rewards

‍

Chase Sapphire Preferred® Card

‍

[[ SINGLE_CARD * {"id": "509", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Best for Travel and Dining Rewards", "headerHint": "Strong Safeguards"} ]]

Best for: Foodies

‍

American Express® Gold Card

‍

[[ SINGLE_CARD * {"id": "118", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Foodies", "headerHint": "Substantial Coverage"} ]]

Best for: Business Travelers

‍

Ink Business Preferred® Credit Card

‍

^{All information about the Ink Business Preferred® Credit Card has been collected independently by Kudos. Ink Business Preferred® Credit Card is no longer available through joinkudos.com.}

[[ SINGLE_CARD * {"id": "1099", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Best for Business Travelers", "headerHint": "Company Assurance"} ]]

Best for: Cash Back without a Fee

‍

Chase Freedom Flex®

‍

[[ SINGLE_CARD * {"id": "2883", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Cash Back without a Fee", "headerHint": "Powerful Protection"} ]]

Comparing the Best Credit Cards for Purchase Protection (2025)

‍

The American Express Platinum and Capital One Venture X typically offer similar purchase protection benefits, covering eligible items against damage or theft for 90 days from purchase, with limits up to $10,000 per claim and $50,000 per account annually. The Capital One Venture, in contrast, generally provides less extensive coverage, with shorter protection periods and lower claim limits, making it less competitive in this aspect compared to its premium counterparts.

‍

[[ COMPARE_CARD * {"ids": ["106", "438", "2888"], "bestCategoryIds": ["17", "18", "19"], "bestForTexts": ["Exceptional Coverage", "Purchase with Confidence", ""]} ]]

How to Maximize Your Purchase Protection

‍

• Use the right card: Always use the credit card with the best purchase protection for significant buys. We recommend the cards above because of their excellent coverage.

• Keep your receipts: You'll need proof of purchase when filing a claim.

• Act quickly: Report damage or theft as soon as possible to ensure you're within the coverage period.

• Understand exclusions: Certain items like perishables, motorized vehicles, or plants are typically not covered.

• Check your homeowners or renters insurance: Sometimes, it's more advantageous to claim through these policies for higher-value items.

Final Thoughts

‍

Purchase protection can provide valuable peace of mind, especially for big-ticket items or when buying from unfamiliar sellers. When choosing a credit card, consider how this feature aligns with your shopping habits and lifestyle. Remember, the best card for you depends on various factors, including annual fees, rewards programs, and other benefits. By understanding and leveraging purchase protection alongside other credit card perks, you can shop with confidence and potentially save hundreds or even thousands of dollars if the unexpected occurs.