American Express is making adjustments to the secondary benefits of its card portfolio effective January 1, 2020, adding new benefits, modifying others, and eliminating some altogether.

“This is part of our effort to provide our card members with the benefits they value most,” an AmEx spokesperson said in a statement to NerdWallet.

Although you shouldn’t choose a card based purely on the extras, it helps to know how your card may or may not cover you. Here is what awaits us for American Express cards.

This feature will allow eligible cardholders to be reimbursed for non-refundable travel purchased with their eligible card up to $ 10,000 per trip and up to $ 20,000 per account per consecutive 12-month period. Conditions apply.

• The American Express Business Platinum Card® (see rates and fees).

• American Express Corporate Platinum Card.

• American Express Delta SkyMiles® Reserve Business Card (see rates and fees).

This feature will allow cardholders to be reimbursed for certain “reasonable” unforeseen expenses resulting from travel delayed for an extended period, including meals, accommodation and other items for personal use, up to two. claims by covered card within 12 consecutive months. Round-trip travel must be paid for in full with your eligible card and the delay must be due to a covered reason. Conditions apply.

Coverage for eligible delays of more than six hours; reimbursement up to $ 500 per trip:

• The American Express Platinum Card®.

• Hilton Honors American Express Aspire Card.

• American Express Delta SkyMiles® Reserve Card.

• The American Express Business Platinum Card®.

• American Express Corporate Platinum Card.

• American Express Delta SkyMiles® Reserve Business Card.

• Marriott Bonvoy Brilliant ™ American Express® Card.

Coverage for eligible delays of more than 12 hours; reimbursement up to $ 300 per trip:

These benefits, which are offered on all American Express cards, will no longer be available from 2020.

“Both of these perks were not liked by our card members and used by less than 1%,” an AmEx spokesperson said in an email to NerdWallet.

Currently, all American Express cards offer purchase protection on eligible items purchased with their card for up to 120 days from the date of purchase in the event of theft or accidental damage. As of January 1, 2020, this protection will increase to 90 days from the date of purchase. American Express has confirmed to NerdWallet that items purchased prior to this date will still receive 120-day purchase protection. Conditions apply.

Under its current terms, American Express may offer up to two additional years of the original US manufacturer’s warranty of five years or less when you use your card for new qualifying purchases. This benefit currently applies to all American Express cards. As of January 1, 2020, the extended warranty will fall to one year. Conditions apply.

While the extended warranty currently applies to all American Express cards, it will no longer be offered on four consumer cards with no annual fee:

All American Express cards currently offer back protection for 90 days from the date of purchase of an eligible item. If the merchant does not resume your purchase, American Express may refund the full purchase price (excluding shipping and handling charges), up to $ 300 per item, up to a maximum of $ 1,000 per card account per calendar year depending on the date of purchase. Conditions apply.

As of January 1, 2020, these will be the only cards to offer return protection:

• The American Express Platinum Card®.

• Hilton Honors American Express Aspire Card

• American Express Delta SkyMiles® Reserve Card.

• Marriott Bonvoy Brilliant ™ American Express® Card

• American Express Blue Cash Preferred® Card (see rates and fees).

• American Express Amex EveryDay® Preferred Credit Card.

• The American Express Business Platinum Card®.

• American Express Delta SkyMiles® Reserve Business Card.

All information on the American Express® Green Card was independently collected by NerdWallet. the American Express® Green Card is no longer available through NerdWallet. To consult the rates and costs of the American Express® Gold Card, see this page. To consult the rates and costs of The American Express Platinum Card®, see this page.

All information on the American Express Cash Magnet® card was independently collected by NerdWallet. the American Express Cash Magnet® card is no longer available through NerdWallet. To consult the rates and costs of the American Express Blue Cash Preferred® Card, see this page. To consult the rates and costs of the American Express Blue Cash Everyday® Card, see this page.

All information on the Amex EveryDay® Credit Card was independently collected by NerdWallet. the Amex EveryDay® Credit Card is no longer available through NerdWallet. All information on American Express Amex EveryDay® Preferred Credit Card was independently collected by NerdWallet. American Express Amex EveryDay® Preferred Credit Card is no longer available through NerdWallet.

To consult the rates and costs of the American Express Delta SkyMiles® Platinum Card, see this page. To consult the rates and costs of the American Express Delta SkyMiles® Reserve Card, see this page. To consult the rates and costs of the Delta SkyMiles® American Express Platinum Business Card, see this page. To consult the rates and costs of the American Express Delta SkyMiles® Reserve Business Card, see this page.

To consult the rates and costs of the American Express® Business Gold Card, see this page. To consult the rates and costs of The American Express Business Platinum Card®, see this page. To consult the rates and costs of The American Express Plum Card®, see this page.

All information on the Hilton Honors American Express Aspire Card was independently collected by NerdWallet. the Hilton Honors American Express Aspire Card is no longer available through NerdWallet. To consult the rates and costs of the Marriott Bonvoy Brilliant ™ American Express® Card, see this page.