The overlooked 'return' perk that can help recover some credit card costs

Many credit card holders are unaware of a valuable perk called “return protection” that can help them get a refund for items a merchant won’t accept back. This protection, often found on premium cards, covers purchases for a set period (e.g., 90 days) up to a certain dollar amount per item and annually. Companies like American Express, Capital One, and Chase offer this benefit, though specific terms, exclusions, and claim processes vary by card.