Amex, Challenged by Chase, Is Losing the Snob War
I have both the Amex Platinum and Chase Sapphire Reserve.  If I could only justify one annual fee, I&#x27;d keep the Platinum. The Centurion Lounges are second to none in the US and Amex&#x27;s end-to-end ownership of its purchase&#x2F;return&#x2F;travel protection benefits is too good to give up.<p>I recently attempted to file a return protection claim with my Sapphire Reserve for a display cable that turned out to be faulty. I tried the Visa Infinite site, but Visa as an organization doesn&#x27;t recognize the United States as a Visa Infinite country yet so I couldn&#x27;t find anything relevant there.<p>Then I recalled eclaimsline, which was the site I used a while ago when I had the Sapphire Preferred. It asked for my first&#x2F;last name and credit card number, and then did not show me the option to file a &#x27;return protection&#x27; claim -- just purchase and travel protection.<p>After that, I went on Chase&#x27;s website and dug through their documentation and eventually found cardbenefitservices.com, where I was prompted to create a new account and then verify my card number again. Upon filing a claim, I was asked to upload my purchase receipt and credit card statement proving the charge had hit my account. I waited one week and received an email in my spam folder that asked me to mail the item at my own expense to Visa before my claim could finish processing -- mind you, this is for a $20 display cable.<p>My experience with Amex would have been a three-step online form containing a very small number of fields followed by an immediate credit within 48 hours.