PerkPaid Check free

Chase & American Express card benefits

Your credit card may already pay for that.

Cracked phone. A purchase that was stolen or broke. A product that died right after its warranty. Many cards cover these, and most people never claim. Find out in a minute.

Check my coverage, free No sign-up. Nothing saved.

From cracked screen to a claim you can file.

  1. 01

    Tell us what happened

    Pick your card and what went wrong. A few dates and amounts, nothing personal.

  2. 02

    We match the rules in force

    Card benefits change. We keep every version of each official Guide to Benefits and use the one that applied on your dates.

  3. 03

    See your deadlines

    Police reports, notice windows, document deadlines. The firm ones are flagged, because that's where claims get lost.

  4. 04

    Know exactly what to send

    A checklist for your situation, the administrator to file with, and the guide wording behind every answer.

What your card may cover

Cell phone protection

$800 per claim on eligible Amex cards

Cracked screens and theft, when you pay your monthly phone bill with the card. Some Chase business cards cover up to $1,000.

Purchase protection

120 days after purchase (Chase)

Damaged or stolen soon after you bought it. Amex: 90 days.

Extended warranty

+1 extra year

Stopped working after the manufacturer's warranty ended.

Deadlines are strict

48 hours to report a theft to police, on many cards

Every answer has a source

We quote the exact sentence from your card's official guide, so you can check it yourself.

No logins. Nothing saved.

We never ask for your bank, card or email password, and the free check doesn't store what you type.

Chase Sapphire PreferredInk Business PreferredInk Business Premier Amex PlatinumAmex GoldBusiness PlatinumBusiness Gold Delta SkyMiles ReserveHilton Honors AspireMarriott Bonvoy Brilliant Blue Cash PreferredBlue Business Plus

Check your coverage

Free, about a minute. You'll see whether it's covered, roughly what it pays, and every deadline.

We don't save what you enter.

Questions

Is the check really free?

Yes. No sign-up, no card number, nothing stored.

Do you need my bank, card or email login?

Never. We don't ask for passwords of any kind.

Are you the insurance company?

No. Card benefits are paid by the insurer or benefit administrator named in your card's Guide to Benefits, and they make the final decision. We read those guides and tell you what they say for your situation.

Which cards do you support?

Chase Sapphire Preferred, Ink Business Preferred and Premier, and 18 American Express cards. More issuers are coming.

How do you know the rules are current?

We check every guide every week, keep each version, and use the one that applied on your dates.

That repair might already be paid for.

Check my coverage, free