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Which Credit Cards Offer an Extended Warranty?

Which Credit Cards Offer an Extended Warranty?

*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Apr 10, 2019, but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.

If you’ve ever had an item break after the warranty expires, you know the pain and expense involved in getting it repaired or having to purchase a replacement. However, if you used a select credit card to buy the item, you may receive an extended warranty and up to $50,000 in coverage.

Extended warranty protection is just one of several protection benefits that some credit cards offer at no additional cost. It can come in handy after your product warranty expires by extending the warranty by one or two years. Keep in mind, coverage provided by your credit card is secondary to any service contract or extended warranty that is offered by the manufacturer.

When an extended warranty claim is approved, your card issuer may have the product repaired or replaced, or you may be reimbursed up to the amount of the item purchased. The exact terms for extended warranty protection vary by issuer, so you should familiarize yourself with what’s covered and how much you may be covered for before filing a claim.

Here, we’ll review the extended warranty terms provided by major issuers, exclusions and how to file a claim.

Extended warranty by issuer

In the past year, many issuers have reduced additional card benefits, such as extended warranty and return and purchase protections. Some, like Discover, completely removed the benefits altogether. However, there are still some issuers that provide extended warranty protection. If you’re in the market for a large-ticket item, such as an appliance or electronics, choosing to purchase that item with a credit card that has extended warranty coverage can be a good idea.

Here are the extended warranty terms for major card issuers:

Issuer Maximum coverage per item Maximum coverage per calendar year per account Fine print
American Express® $10,000 $50,000 Up to 2 extra years added to the original U.S. manufacturer’s warranty. Applies to warranties of 5 years or less.
Bank of America® Not specified Not specified Up to 1 extra year added to the original U.S. manufacturer’s warranty. Applies to warranties of 3 years or less.
Barclays $10,000 Not specified Up to 2 extra years added to the original manufacturer’s warranty. Applies to warranties of 2 years or less.
Capital One® $10,000 $50,000 Up to 1 extra year added to the original U.S. manufacturer’s warranty. Depending on if you have a Visa or Mastercard, this benefit applies to warranties of 1-3 years or less.
Chase $10,000 $50,000 Up to 1 extra year added to the original U.S. manufacturer’s warranty. Applies to warranties of 3 years or less.
Citi® $10,000 Not specified Up to 2 extra years added to the original manufacturer’s warranty, not to exceed 7 years from the original purchase date.

Popular American Express cards with extended warranty:

  • 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.*

  • Earn 4X points at restaurants worldwide and U.S. supermarkets on up to $25,000 per year in purchases, then 1X*

  • Up to $100 per year for incidentals*

Highlights
  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.

See additional details for American Express® Gold Card

More Info

  • 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.*

  • Up to $200 per calendar year in baggage fees & more at one qualifying airline*

  • No foreign transaction fees & exclusive airport lounge access*

Highlights
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees

See additional details for The Platinum Card® from American Express

More Info

Popular Bank of America cards with extended warranty:

  • 0% Introductory APR on purchases for 15 billing cycles

  • 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

  • 15.99% - 25.99% Variable APR on purchases and balance transfers

Highlights
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% - 25.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

See additional details for Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

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  • Earn unlimited 1.5 points per $1 spent on all purchases

  • 0% Introductory APR on purchases for 12 billing cycles

  • 16.99% - 24.99% Variable APR on purchases and balance transfers

Highlights
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 16.99% - 24.99% Variable APR will apply
  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase

See additional details for Bank of America® Travel Rewards credit card

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  • 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.

  • 2 points for every $1 spent on travel and dining purchases, 1.5 points per $1 spent on all other purchases

  • Get up to $200 in combined airline incidental and airport expedited screening statement credits

Highlights
  • Receive 50,000 bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • No limit to the points you can earn and your points don't expire
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill accounts, or gift cards or purchases at the Bank of America Travel Center
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee

See additional details for Bank of America® Premium Rewards® credit card

More Info

Popular Barclays cards with extended warranty:

Barclaycard Ring® Mastercard®

Barclaycard Arrival Plus® World Elite Mastercard®

Popular Capital One cards with extended warranty:

  • Unlimited 1.5% Cash Back on every purchase, every day

  • 0% for 15 Months on Purchases and Balance Transfers

  • No minimums for redeeming and cash back won't expire for the life of the account

Highlights
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

See additional details for Capital One® Quicksilver® Cash Rewards Credit Card

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  • 3% Cash Back on dining; 3% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening

  • No minimums for redeeming and cash back won't expire for the life of the account

Highlights
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 16.24% - 26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24% - 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

See additional details for Capital One® SavorOne® Cash Rewards Credit Card

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  • One-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel

  • 2 Miles per dollar on every purchase, every day

  • Earn unlimited 10x miles on hotels when you pay with your Venture card at hotels.com/venture

Highlights
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named 'The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

See additional details for Capital One® Venture® Rewards Credit Card

More Info

Popular Chase cards with extended warranty:

  • Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.

  • 0% Intro APR on purchases and balance transfers for 15 months

  • 16.99% - 25.74% Variable

Highlights
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases – it’s automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit JourneySM

See additional details for Chase Freedom®

More Info

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.

  • $300 Annual Travel Credit, Airport Lounge Access, and Flexible Redemption Options

Highlights
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®

See additional details for Chase Sapphire Reserve®

More Info

Popular Citi cards with extended warranty:

  • Earn 3X Points on Travel, Including Gas Stations, Earn 2X Points on Dining Out & Entertainment, Earn 1X Points on All Other Purchases

  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

  • No Foreign Transaction Fees*

Highlights
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 points per $1 spent on travel including gas stations
  • Earn 2 points per $1 spent at restaurants and on entertainment
  • Earn 1 point per $1 spent on all other purchases
  • 60,000 Points are redeemable for $750 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $600 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases

See additional details for Citi Premier℠ Card

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  • 0%* for 12 months on Purchases*

  • 0%* for 21 months on Balance Transfers*

  • 16.74% - 26.74%* (Variable)

Highlights
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

See additional details for Citi Simplicity® Card - No Late Fees Ever

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  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.

  • 0% for 18 months on Balance Transfers

  • 15.99%– 25.99% (Variable)

Highlights
  • 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.99% - 25.99% based on your creditworthiness.
  • The standard variable APR for Citi Flex Plan is 15.99% - 25.99% based on your creditworthiness.
  • Balance Transfers do not earn cash back
  • Earn 2% cash back on purchases:  1% when you buy and 1% as you make payments for those purchases.
  • To earn cash back, pay at least the minimum due on time
  • No categories to track, no caps on cash back, no annual fee

See additional details for Citi® Double Cash Card – 18 month BT offer

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What are the exclusions?

Extended warranties set several limitations beyond maximum coverage per year and the amount of time that can be added to your eligible warranty — there are also numerous items that are excluded from coverage. Most items that are excluded, such as pets and beauty products, aren’t ones that come with warranties to begin with. Also, shipping and handling costs won’t be reimbursed.

Here are the common items that don’t qualify for purchase protection:

  • Motorized vehicles (cars, boats, motorcycles) and their attached parts (including tires)
  • Computer software or any type of video, digital, or audio discs or tapes, including video games
  • Collectable, one-of-a-kind, custom-built, and limited edition items (antiques, coins, furs, art, sports memorabilia, stamps, for example)
  • Services and additional costs (installation charges, warranties, memberships)
  • Items that can spoil or are consumable and need to be replaced after they have been used for a period of time (food, fuel, batteries, medications, beauty products or personal care products)
  • Animals
  • Living plants

In addition to excluded items, certain types of circumstances that caused the damage are often excluded:

  • Natural disaster
  • Acts of war, civil disturbance
  • Power surge
  • Product recall
  • Fraud, abuse or illegal activity

How to file a claim

You have several ways to file an extended warranty claim: calling your bank, submitting a claim form online or mailing a claim form. When filing a claim, you’ll need the original receipt, original manufacturer’s warranty, and damaged product. Your card issuer may also request additional documentation, such as a repair estimate.

Can I keep the item after I file a claim?

Not likely — your card issuer may require you to ship the eligible item to a specific location where it’ll be inspected. Your card issuer will provide reimbursement for the shipping cost.

Read our guides on price protectionreturn protection and purchase protection.


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