If for some reason you’re no longer happy with that smart watch you bought within the last 90 days and you want to get your money back, there’s a way. If you bought it on select credit cards.

Many cards come with a product called “Return Protection,” which lets you return items that you can’t return to the retailer. (Generally because they have a 14- or 30-day return policy.) You submit a claim, send the product to the credit card company’s return handler and get either a check or statement credit. 

AmEx, Citi, Chase and Discover offer some form of this. They aren’t universal across each issuer; some products have them, some don’t.

With AmEx, products that include return protection are Platinum, Mercedes Benz Platinum, Business Platinum, Costco Business Card, Starwood Business Card, Blue, Starwood and Blue Cash Preferred. AmEx has a limit of a $300 refund. You can start the claim process online. (That link also allows you to check if your card is eligible; my list may not be comprehensive.) 

Discover offers a $500 cap and the same 90 day period.

Citi’s Prestige card also offers a $500 cap.