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It hardly seems fair that an item you purchased inevitably breaks or stops working just after the manufacturer’s warranty expires, but indeed it does happen.
Next time it happens to you, however, you may want to reference the credit card you used to purchase the item. You could find that there is coverage beyond what the manufacturer’s warranty provides.
Wouldn’t it be great to be made whole again as a result of coverage you didn’t realize you had? You bet.
While you wouldn’t decide to secure a specific credit card just for its extended warranty coverage, it’s good to know which cards carry such coverage so you can consider using those cards when you purchase eligible items.
We’ve studied the credit card landscape for cards that offer extended warranty coverage and will review how the coverage works. We’ll also share with you what’s generally covered, what’s generally excluded, and how much you can expect to receive should you need to file a claim for your applicable item.
The 11 Best Credit Cards for Extended Warranty Coverage — Summary
Earn 60,000 points after spending $4,000 in purchases within the first 3 months. Plus, for a limited time, earn a total of 10 points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel portal through June 30, 2024.
Annual fee of $95
Manufacturer’s warranties of 5 years or less are extended by up to 24 months, for a maximum of 7 years total; $10,000 per item
Earn 50,000 online bonus points after you spend $3,000 in purchases in the first 90 days of account opening
Annual fee of $95
Manufacturer’s warranties are doubled up to a maximum of 1 additional year; $10,000 per item
What Is Extended Warranty Coverage?
When you purchase an eligible item that has a manufacturer’s warranty, the extended warranty coverage that comes on your credit card extends the manufacturer’s warranty for an additional period.
The coverage that comes with your credit card will generally mirror the manufacturer’s warranty coverage, but there could be additional limitations and different claim procedures.
An extended warranty is offered by several credit card payment processing networks, including American Express, Visa, and Mastercard.
The card issuers that use those payment processing networks, such as Chase, American Express, Citi, Capital One, etc., subsequently decide which of their credit cards will offer the coverage. For this reason, not every card from each issuer will have the coverage.
The extended warranty protection on your credit card is also secondary to any other warranty coverage that might apply to the claim. For example, you must first file your claim with the manufacturer if that warranty is still active.
What Is Generally Covered
The first requirement for an item to be covered under your credit card’s extended warranty coverage is that the item must have a manufacturer’s warranty.
Examples of purchased items that might be covered for extended warranty include the following:
Cell phones
Clothing
Computers
Luggage
TVs and game consoles
Small appliances
Watches and some jewelry
This is not an all-encompassing list, of course, just a few examples of items that might be covered. Also, keep in mind that manufacturer’s warranties are not designed to cover the same perils as a normal insurance policy — they’re designed more to repair or replace an item that stops working or has a manufacturer’s defect. The extended warranty on your credit card will also reflect that limited scope of coverage.
What Is Generally Excluded
Items such as those mentioned below are examples of exclusions you might find for extended warranty coverage. The list is also not all-inclusive as coverage can differ depending on the card. Note that coverage on your credit card aligns with what is included in the original manufacturer’s warranty and generally doesn’t include theft, accidental damage, normal wear and tear, or losing the item.
Additionally, as with manufacturer’s warranties, extended warranties may include the option for the insurance company to have the item repaired versus replacement and/or reimbursement.
These are items normally excluded from credit card extended warranty coverage:
Antiques
Boats or vehicles
Computer software
Items that do not come with a manufacturer’s warranty
Living items
Medical equipment
Motorized devices
Real estate
Rented or leased items
Used or pre-owned items
In addition to excluding specific items, benefits may be limited to only the amount you charged on your eligible card. If you were to charge just a portion of an item’s cost to your card, the benefit could be limited to just that amount, depending on the actual terms and conditions.
Also, note that the credit card you used to purchase the eligible item must be active and in good standing to have valid coverage.
To find out if your credit card offers extended warranty coverage, you can call the number on the back of your card, access your online credit card account, or refer to the guide to benefits that came with your card.
Bottom Line: The extended warranty coverage offered by a credit card normally covers the same type of claims covered on the original manufacturer’s warranty and does not include accidental damage, theft, or the loss of an item.
The extended warranty offers additional coverage over and above the manufacturer’s warranty, but limits apply. Image Credit: Alexandar Todov via Unsplash
The 3 Best Chase Credit Cards With Extended Warranty
Several Chase credit cards offer extended warranty coverage. The coverage applies to items with manufacturer’s warranties of 3 years or less and serves to extend the coverage for 1 additional year.
Benefit limits are $10,000 per item with a maximum of $50,000 per account.
Let’s look at some of the best Chase credit cards that come with extended warranty coverage.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
60,000 points
$1,200
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Sapphire Preferred® card is one of the best travel rewards cardson the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
Pros
5x points on all travel booked via the Chase Ultimate Rewards portal
5x points on select Peloton purchases over $250 (through March 31, 2025)
5x points on Lyft purchases (through March 31, 2025)
3x points on dining purchases, online grocery purchases, and select streaming services
2x points on all other travel worldwide
$50 annual credit on hotel stays booked through the Chase Ultimate Rewards portal
6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
Excellent travel and car rental insurance
10% annual bonus points
No foreign transaction fees
1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
Complimentary Spot Club Platinum status with The Parking Spot for 2 years, 20% off of your first reservation, and points for 1 free day of parking (enroll by October 26, 2023)
Cons
$95 annual fee
No elite benefits like airport lounge access or hotel elite status
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 points
$1,200
$550
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.
The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!
Pros
10x points on car rentals, hotels, and dining booked via the Chase Ultimate Rewards portal
10x points on Lyft purchases March 31, 2025
10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
5x points on airfare booked via the Chase Ultimate Rewards portal
3x points on all other travel and dining purchases; 1x point on all other purchases
$300 annual travel credit
Priority Pass airport lounge access
TSA PreCheck, Global Entry, or NEXUS credit
Access to Chase Luxury Hotel and Resort Collection
Rental car elite status with National and Avis
Cons
$550 annual fee
Does not offer any sort of hotel elite status
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash-back or $1,250 toward travel when redeemed through Chase Ultimate Rewards.
100,000 points
$2,000
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Pros
3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Trip cancellation and interruption insurance
Rental car insurance
Extended warranty coverage
Cons
No elite travel benefits like airport lounge access
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Once again, a Chase-issued card tops our list as one of the best business credit cards. We like that it earns 3x rewards on common business purchases and then delivers 25% more value when redeeming points via the Chase travel portal, or even potentially more value when transferring points to travel partners.
Bottom Line: In addition to earning valuable Ultimate Rewards points, offering flexible redemption options, and travel/shopping protections, these Chase-issued cards offer extended warranty coverage that extends the manufacturer’s warranty by an additional year.
Did the zipper on your luggage give out right after the manufacturer’s warranty ran out? You may have coverage on your credit card under the extended warranty benefit. Image Credit: ImYanis via Shutterstock
The 3 Best American Express Cards With Extended Warranty
Purchase an item with your eligible American Express card or with points earned on an eligible card and receive extended warranty benefits for items purchased as a gift or for personal or business use.
Coverage is extended on items with manufacturer’s warranties of 5 years or less for 1 additional year.
Benefit amounts are limited to $10,000 per item and $50,000 per account.
Here are some of the best American Express cards that offer extended warranty coverage.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.
This card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.
This card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.
Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
Pros
The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges,Priority Pass lounges, Plaza Premium Lounges, and many more!
5x points per $1 spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
5x points per $1 spent on prepaid hotels booked with American Express Travel
Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
TSA PreCheck or Global Entry credit
Access to American Express Fine Hotels and Resorts
Airline credit does not cover airfare (only incidentals like checked bags)
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
$100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.
This is the go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!
This is the go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points atU.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are a number of other benefits of the Gold Card as well, including extra monthly dining rewards and more.
Pros
4x points per $1 at restaurants, plus takeout and delivery in the U.S.
4x points per $1 at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
3x points per $1 on flights purchased directly from airlines or at Amex Travel
Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
With 4x earnings on restaurants and U.S. supermarkets (limited to $25,000 in purchases per calendar year; 1x thereafter), the Amex Gold card rewards your everyday purchases nicely.
It’s also a great travel rewards card, earning 3x Membership Rewards points on flights booked directly with the airline or with Amex Travel and offering flexible travel redemption options.
3. The Business Platinum Card® from American Express
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
120,000 points
$2,640
$695
19.49% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.
5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
Up to $200 annual airline fee credit on your selected qualifying airline
Statement credits on select purchases with your card
35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
Global Entry or TSA PreCheck application fee credit
Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Airline fee credit does not cover airfare, only incidentals like checked bags
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
$189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
In addition to worldwide lounge access, hotel and rental car elite status, and statement credits, the card earns 5x on flights and prepaid hotels on Amex Travel and 1.5x on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year).
Bottom Line: Purchasing an eligible item with your American Express card that offers extended warranty coverage will add 1 additional year of coverage for items with manufacturer’s warranties of 5 years or less.
The Best Citi Credit Card With Extended Warranty
Charge a portion or your entire purchase with your eligible Citi card and/or ThankYou Points and receive up to the amount charged should you have a covered claim.
Citi provides up to a maximum of 24 months of additional warranty coverage, not to exceed a total of 7 years, for manufacturer’s warranties of up to 5 years in length. For example, if you have an item with a manufacturer’s warranty of 4 years, you would receive an additional 24 months for the extended warranty.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.
Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.
Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
60,000 points
$960
$95
21.24% - 29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Citi Premier® Card is an excellent option for anyone looking for an all-around travel rewards credit card. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. Plus, it offers access to airline and hotel transfer partners, doesn’t charge foreign transaction fees, and has a reasonable annual fee!
Pros
3x points at restaurants, supermarkets, gas stations, airfare, and hotel purchases
Access to Citi transfer partners
Annual hotel credit
No foreign transaction fees
Cons
$95 annual fee
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
Earn 3 Points per $1 spent at Restaurants and Supermarkets
Earn 1 Point per $1 spent on all other purchases
Annual Hotel Savings Benefit
60,000 ThankYou® Points are redeemable for $600 in gift cards redeemable for $600 in gift cards or travel rewards at thankyou.com
No expiration and no limit to the amount of points you can earn with this card
Bottom Line: Select Citi credit cards offer extended warranty coverage that extends the manufacturer’s warranty of 5 years or less by 24 months. With a potential maximum of 7 years of total coverage, it is one of the best credit card extended warranty benefits.
The 3 Best Capital One Credit Cards With Extended Warranty
Purchase an eligible item with your Capital One card and the manufacturer’s warranty (or 3 years or less) will be doubled. The maximum extension time is 1 additional year.
Coverage is capped at $10,000 per item, $50,000 per account.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.
The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.
The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
20,000 miles
$360
$0
19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card, the no-annual-fee version of the more popular Capital One Venture Rewards Credit Card.
In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.
But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?
Pros
No annual fee
No foreign transaction fees
Ability to use transfer partners
Access to Capital One Dining
Cons
Weak earn rate at 1.25x miles per $1 spent on all purchases
No luxury travel or elite benefits
$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Financial Snapshot
APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Capital One is known for keeping its earning and redemption structures simple. That doesn’t mean the cards are lacking in value, however. You’ll find it easy to earn 1.25x miles on every purchase you make with the Capital One VentureOne card. Then, at redemption time, you’ll have the flexibility to redeem directly for travel, transfer to Capital One’s transfer partners, and more.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
21.24% - 29.24% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit (670-850)
As a frequent traveler with excellent credit, you’re always on the lookout for a credit card that comes with all the bells and whistles. And the easier it is to understand, the better!
The Capital One Venture Rewards Credit Cardis one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great sign-up bonus, high rewards rates, and flexible redemption options.
Pros
5x miles per $1 on hotels and rental cars booked through Capital One Travel
2x miles per $1 on all other purchases
2 complimentary visits to a Capital One Lounge or Plaza Premium Lounges each year
Global Entry or TSA PreCheck credit
No foreign transaction fees
Access to Capital One transfer partners
Cons
$95 annual fee
Limited elite benefits
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
Miles won’t expire for the life of the account and there’s no limit to how many you can earn
Receive up to a $100 credit for Global Entry or TSA PreCheck®
Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
Use your miles to get reimbursed for any travel purchase – or redeem by booking a trip through Capital One Travel
Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
Transfer your miles to your choice of 15+ travel loyalty programs
Every purchase you make earns 2x miles on the Capital One Venture card and 5x miles when purchasing qualified travel via Capital One Travel. Like the Capital One VentureOne card, you’ll also have the option to transfer rewards to airline partners, redeem directly for travel with Capital One, and much more.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$395
22.24% - 29.24% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)
The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.
Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.
Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.
Pros
10x miles per $1 on hotels and rental cars purchased through Capital One Travel
5x miles per $1 on flights purchased through Capital One Travel
2x miles per $1 on all other purchases
$300 annual travel credit on bookings made through Capital One Travel
Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
10,000 bonus miles awarded on your account anniversary each year
Global Entry/TSA PreCheck credit
Add authorized users for no additional annual fee
No foreign transaction fees
Cons
$395 annual fee
Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more – you can even transfer your miles to your choice of 15+ travel loyalty programs
Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
Receive up to a $100 credit for Global Entry or TSA PreCheck®
The Capital One Venture X card earns 10x miles on hotels and rental cars purchased through Capital One Travel. It earns 5x miles on flights purchased through Capital One Travel and 2x miles on all other purchases. Cardholders get up to a $300 annual travel crediton bookings made through Capital One Travel, access to Priority Pass Lounges, Capital One Lounges, and Plaza Premium Lounges, and 10,000 bonus miles awarded on your account anniversary each year.
The Best Bank of America Credit Card With Extended Warranty
Bank of America offers extended warranty coverage that doubles the manufacturer’s warranty of 3 years or less, up to 1 additional year.
Here is one of the best Bank of America credit cards that offers extended warranty coverage:
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.
The Bank of America Premium Rewards card is a great travel rewards card for those looking for a simple approach to earning and redeeming rewards.
The Bank of America Premium Rewards card is a great travel rewards card for those looking for a simple approach to earning and redeeming rewards.
Earn 50,000 bonus points after you spend at least $3,000 in purchases in the first 90 days of account opening.
50,000 points
$500
$95
18.24% - 25.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
From travel and purchase protections to airline incidental and Global Entry credits, there is plenty to love about the Bank of America Premium Rewards card.
Plus, those that hold status in the Bank of America Preferred Rewards program can get even more value from the card by boosting their rewards by 25% to 75%!
Pros
2x points per $1 on travel and dining purchases
1.5x points per $1 on all other purchases
Up to $100 annual airline incidental statement credit
Global Entry/TSA PreCheck statement credit
No foreign transaction fees
Travel protections
Purchase protections
Boost your rewards rate with the Bank of America Preferred Rewards program
Cons
$95 annual fee
Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized redemptions via airline and hotel transfer partners
Receive 50,000 online 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 for every $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. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
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 $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
No foreign transaction fees.
Low $95 annual fee.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
You’ll find lots of ways to earn rewards on the Bank of America Premium Rewards card. Your travel and dining purchases earn 2x points per dollar spent while all other purchases earn 1.5x points. The card also comes with up to a $100 statement credit for airline incidental fees and a TSA PreCheck or Global Entry statement credit of up to $100 every 4 years.
Redemption options are many — you can get a statement credit, transfer to an eligible bank account, purchase travel via the Bank of America Travel Center, and redeem for gift cards.
Extended Warranty Coverage Comparison — Summary
If your manufacturer’s warranty has ended and your tech starts having problems, you may find coverage under your credit card’s extended warranty coverage. Image Credit: JESHOOTS.com via Pexels
Although there are dozens of cards that come with extended warranty coverage, not every card issued by a particular financial institution will have the coverage.
In this article, we’ve focused on some of the best cards that do offer this coverage, but the list is not all-inclusive.
You can find out if your specific card has extended warranty coverage by calling the number on the back of your card, accessing your online card account to review the Guide to Benefits, or reviewing the paper benefits guide that came with your card.
The following is an overview of the extended warranty period and coverage limits of the major card issuers.
Card Issuer
Extended Warranty Coverage
Coverage Limits
Chase
Manufacturer’s warranties of 3 years or less are extended by 1 year
$10,000 per item, $50,000 per account
American Express
Manufacturer’s warranties of 5 years or less are extended by 1 year
$10,000 per item, $50,000 per account
Citi
Manufacturer’s warranties of 5 years or less are extended by up to 24 months, for a maximum of 7 years total
$10,000 per item
Capital One
Manufacturer’s warranties of 3 years extended a maximum of 1 additional year
$10,000 per item, $50,000 per account
Bank of America
Manufacturer’s warranties of 3 years or less are doubled up to a maximum of 1 additional year
$10,000 per item
Bottom Line: Extended warranty coverage can be found on many popular credit cards. Coverage varies by card, but always adds an additional coverage period beyond that of the manufacturer’s warranty. Most credit cards limit coverage to $10,000 per item and some have a maximum limit per account.
How To File an Extended Warranty Claim
It’s always good to review in advance what might be needed should you need to file an insurance claim as it can be difficult to secure needed items after the fact.
For this reason, it’s best when you purchase an item to file away the original receipt, the manufacturer’s warranty, and any pertinent documentation (serial number, model description, etc.), to allow for easy access in the event of a claim.
If the item is still under the manufacturer’s warranty, you should, of course, contact the manufacturer first. Credit card extended warranty coverage does not apply when the manufacturer’s warranty is still valid.
If the manufacturer’s warranty is expired, call the number on the back of your credit card as soon as possible after the loss. Cards have limited periods in which you need to report the extended warranty claim.
Items you may be asked to provide:
The original store receipt
A copy of your credit card statement showing the purchase date and description of the item
A copy of the manufacturer’s warranty
Any purchased contract warranty agreement
A photo of the item
A repair estimate
Be especially aware of deadlines to report claims and to submit the required documentation.
Also, note that the credit card you used to purchase the eligible item must be active and in good standing in order to have coverage.
Bottom Line: When an eligible item is purchased with your credit card, be sure to file away all pertinent documentation you might need in case of a claim. Additionally, an extended warranty claim can only be filed after the manufacturer’s warranty has expired and the card used for the purchase is open and in good standing.
Other Credit Card Protection Coverages
If your purchase is accidentally damaged or stolen, there may be other coverage on your card that could apply during the manufacturer’s warranty period.
For example, if an eligible item you’ve purchased becomes damaged, you may find coverage on your card, such as cell phone protection or purchase protection, that could apply in that circumstance. Time limits and coverage conditions apply, of course, but it’s worth checking to see if you have coverage on your card.
Other shopping protections to look for on your card include price protection, which reimburses you if an item goes down in price after you purchase it, and return protection which refunds the purchase price if the merchant will not accept a return. Terms and conditions apply.
Final Thoughts
While an extended warranty conveniently serves the purpose of offering coverage beyond the manufacturer’s warranty, coverage is limited to the same found in your manufacturer’s warranty and does not include events such as accidental damage or theft. Your credit card may offer a variety of consumer protection benefits to take advantage of in the event of an incident within or outside of the manufacturer’s warranty coverage.
As we mentioned previously, you wouldn’t select a specific credit card based solely on whether it had extended warranty coverage. If you’re aware of the coverage offered on each card, however, you can make your eligible purchases knowing you’ll have the associated extended warranty coverage.
For the extended warranty benefit of The Platinum Card® from American Express, The Business Platinum Card® from American Express, and American Express® Gold Card, when an American Express® Card Member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item, up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
The information regarding the Capital One VentureOne Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Bank of America® Premium Rewards® credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Platinum Card® from American Express, click here. For rates and fees of the American Express® Gold Card, click here. For rates and fees of The Business Platinum Card® from American Express, click here.
Featured Image Credit: Pexels
Frequently Asked Questions
An extended warranty that comes with your credit card extends the length of an eligible item’s manufacturer’s warranty.
Coverage matches that of the manufacturer’s warranty with the same exclusions, terms, and conditions.
Card issuers differ but you must either purchase the item entirely with your eligible card, partially with your eligible card, or with points associated with your card, depending on the card issuer’s requirements.
The maximum benefit that is eligible for reimbursement may be limited to the amount you charged on your credit card should you have a claim.
Yes, cell phones are covered for the same coverage that is included in the manufacturer’s warranty.
The cell phone must have been purchased with the eligible credit card. Phones that are leased, used, or borrowed may be excluded from coverage.
While you wouldn’t select a credit card based on its extended warranty coverage alone, Citi credit cards that offer the coverage may have some of the best coverage.
Citi’s extended warranty benefit extends the manufacturer’s warranty of 5 years or less by 24 months. This results in as much as 7 years of protection.
Most other card issuers limited extended warranty to 1 additional year beyond the manufacturer’s warranty.
There are several ways to find out if you card offers extended warranty coverage.
You can call the number on the back of your credit card or access your card account online and review the information under the “benefits” tab.
Additionally, you can reference the benefits guide that came with your card or access the same guide in your online account.
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.
Effective January 1, 2020, the coverage was changed. The new benefit guide states: “You can shop with less worry knowing the terms of the Original
Manufacturer’s Warranty can be extended up to 1 additional year when you use your Eligible Card to make a Covered Purchase. Applies to warranties of 5 years or less on Covered Purchases in the
United States or its territories or possessions.”
Henry
June 19, 2020
What about warranties on a golf car battery for 5 years initially and declines by 1/60 for each successive month.
Hi Henry. First, the credit card’s extended warranty is secondary to the manufacturer’s warranty meaning you must first file a claim with the manufacturer. So that leaves your battery covered with the manufacturer for the first 5 years, then extended for 1 year with a credit card that would have coverage for manufacturer’s warranties of 5 years or less. It makes sense that the extra year extended by the credit card would just extend whatever coverage you had in the 5th year of the manufacturer’s warranty. But quite frankly, I’m just having fun speculating. You would really need to call the number on the back of whichever card you have to find out how that would be covered. Thank you for your question, Henry, and for reading.
Cindi
September 21, 2020
Does anyone have a copy of the actual Citi insurance contract for the extended warranty? They are making up reasons to deny my claim, based on things which are not stated in the “Guide to Protection Benefits”. They say they “don’t have room to list all the exclusions”, which is bull. But the Guide states that it is not the actual policy, and that you can snail mail the compliance department for a copy of the actual policy. I’d like to know if that actually says anything about my issue.
Sorry you are having trouble, Cindi. Only found access to the “Your Guide to Protection Benefits” you mentioned. We’ll put this out there in case another reader might have access to the actual contract you’re searching for.
Any thoughts or questions? Comment below!
Email needed if you'd like comment updates. It will NOT be published.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
![The 11 Best Credit Cards for Extended Warranty Coverage [2023]](https://upgradedpoints.com/wp-content/uploads/2020/03/washing-machines.jpeg?auto=webp&disable=upscale&width=1420&height=650&fit=crop)
6 comments
Correction
March 10, 2020
American Express gives 2 years not 1
Christine Krzyszton
March 10, 2020
Effective January 1, 2020, the coverage was changed. The new benefit guide states: “You can shop with less worry knowing the terms of the Original
Manufacturer’s Warranty can be extended up to 1 additional year when you use your Eligible Card to make a Covered Purchase. Applies to warranties of 5 years or less on Covered Purchases in the
United States or its territories or possessions.”
Henry
June 19, 2020
What about warranties on a golf car battery for 5 years initially and declines by 1/60 for each successive month.
Christine Krzyszton
June 19, 2020
Hi Henry. First, the credit card’s extended warranty is secondary to the manufacturer’s warranty meaning you must first file a claim with the manufacturer. So that leaves your battery covered with the manufacturer for the first 5 years, then extended for 1 year with a credit card that would have coverage for manufacturer’s warranties of 5 years or less. It makes sense that the extra year extended by the credit card would just extend whatever coverage you had in the 5th year of the manufacturer’s warranty. But quite frankly, I’m just having fun speculating. You would really need to call the number on the back of whichever card you have to find out how that would be covered. Thank you for your question, Henry, and for reading.
Cindi
September 21, 2020
Does anyone have a copy of the actual Citi insurance contract for the extended warranty? They are making up reasons to deny my claim, based on things which are not stated in the “Guide to Protection Benefits”. They say they “don’t have room to list all the exclusions”, which is bull. But the Guide states that it is not the actual policy, and that you can snail mail the compliance department for a copy of the actual policy. I’d like to know if that actually says anything about my issue.
Christine Krzyszton
September 21, 2020
Sorry you are having trouble, Cindi. Only found access to the “Your Guide to Protection Benefits” you mentioned. We’ll put this out there in case another reader might have access to the actual contract you’re searching for.
Any thoughts or questions? Comment below!
Email needed if you'd like comment updates. It will NOT be published.
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