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Return Protection

Enjoy a more flexible return policy

Return Protection

Enjoy a more flexible return policy

Use your covered Members 1st credit card for your purchase and you get extra return protection any time you make an eligible purchase of an item up to $250.00. If within 90 days you become dissatisfied with your purchase and the merchant will not accept your return, then Return Protection is there to help.

Eligibility and Coverage

Your purchase has to be for personal property, such as a shirt or a cell phone (examples of items that aren’t covered include consumables such as food and gasoline). Eligible items of personal property purchased with Members 1st credit card are covered for reimbursement up to two hundred and fifty dollars ($250.00) per item at an annual maximum of one thousand dollars ($1,000.00) per account. Items must be received by the Benefit Administrator in like-new/good working condition.


If you are not satisfied with your purchase and the retailer will not accept the return, call the Benefit Administrator, within ninety (90) days of the date of your purchase, at 1-888-565-8472, or call collect outside the United States at 1-303-967-1096. The customer service representative will ask you for some preliminary information about your claim and send you a claim form.

Return the completed claim form within thirty (30) days of the first notice of loss to the Benefit Administrator along with the following items:

  • Your original itemized sales receipt for your purchase or original packing slip in the case of mail order purchases
  • A copy of your monthly billing statement (showing the last four [4] digits of the account number) demonstrating that the purchase was made on your covered account.

After you have collected all of these documents, please send to:

Card Benefit Services
P.O. Box 110889
Nashville, TN 37222

Please Note: If you file a claim within the first thirty (30) days of purchase, you may be asked to submit proof of the store’s return policy.

A customer service representative will contact you after receiving your claim paperwork. If additional documents are requested, you will have sixty (60) days to fulfill that request. Once the claim paperwork is complete, you will receive instructions for shipping the item with its original packaging and any applicable manuals and warranties to Card Benefit Services. The cost of shipping is at your expense.

The item must be in like-new or good working condition in order to be approved for reimbursement.


Below you will find answers to the most commonly asked questions about the benefit
What if the store already offers a guarantee?
What are the timelines for filing a claim?
What do I need to submit with my claim?
How long does it take for a decision to be made on a claim?

Terms and Conditions

Purchase Protection does NOT cover:
Claim Filing
How will I be reimbursed
Additional provisions for Return Protection
Apply now or speak with one of our loan officers at (800) 303-3838.

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