Protections — Amex Business Plat vs Atmos Summit Visa Infinite

rental cdw — Up to $75,000 theft/damage (secondary) ≈Inferred by source

trip delay — Up to $500/trip (>6 hrs), max 2 trips/12 months ≈Inferred by source

trip cancellation — Up to $10,000/trip, $20,000/12 months ≈Inferred by source

baggage — Checked $2,000 / carry-on $3,000 per person ≈Inferred by source

purchase protection — Up to $10,000/item, $50,000/calendar year; covers theft, loss, and accidental damage for 90 days from purchase ✓Verified by source

extended warranty — Adds up to 1 year beyond original manufacturer's warranty of 5 years or less; up to $10,000/item, $50,000/year ✓Verified by source

return protection — Up to $300/item, $1,000/year if merchant won't accept return within 90 days; item must be in original condition ✓Verified by source

cell phone — Up to $800/claim for theft and accidental damage (including cracked screens) when monthly bill paid with card; $50 deductible; max 2 claims per 12-month period ✓Verified by source

emergency evacuation — Emergency medical transportation at no cost when authorized through the Premium Global Assist Hotline; no stated dollar cap; must be pre-authorized through the hotline ≈Inferred by source