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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.


Go to or call the Benefit Administrator at 1-800-628-8472 with questions or to file a claim within 90 days of the purchase. Return your signed and completed claim form with all documentation within ninety (30) days of notifying the Benefit Administrator. Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered account to secure transactions.


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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