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The Capital One Venture X Rewards Credit Card is one of the hottest credit cards to hit the market. With valuable benefits and straightforward rewards structures, it’s easy to see why this card is among the most popular ultra-premium credit cards.
One such benefit that cardholders can enjoy is extended warranty protection, which extends your qualifying product warranties automatically when you purchase using your Capital One Venture X card.
So in this guide, we’ll walk you through this benefit that could be useful in certain situations.
What Is Extended Warranty Protection?
An extended warranty is an insurance policy that prolongs an item’s warranty coverage beyond what the original manufacturer’s warranty offers.
Extended warranty coverage can help reimburse you in case of a covered product’s defect or failure.
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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®
What Sets Apart the Capital One Venture X Card for Extended Warranty Coverage
Extended warranty coverage can be useful if you find defects with a big-ticket item. Image Credit: Elnur via Adobe Stock
When comparing extended warranty coverage policies from credit cards, you should look at these 4 metrics:
Maximum coverage per item/claim
Maximum coverage per calendar year
Maximum allowable original warranty length to qualify for extended warranty protection
The length of extended warranty coverage
For the Capital One Venture X card, eligible manufacturers’ 3 years or fewer warranties can get 1 additional year of extended warranty coverage.
Although purchases made both inside and outside the U.S. are eligible for the extended warranty, the item must have a valid, original manufacturer’s U.S. repair warranty of 3 years or less, a store-purchased dealer warranty, or an assembler warranty.
Extended warranty reimbursements are limited to no more than the original price of the purchased item (minus shipping and handling fees), up to $10,000 per claim, and up to $50,000 per calendar year.
You must either register your purchase or keep your monthly billing statement reflecting the purchase, an itemized sales receipt, and the original warranty.
If you gift an item to someone else that was purchased with your Capital One Venture X card, they can get coverage, too.
Notable Exclusions From Extended Warranty
There are a series of items that are excluded from extended warranty coverage:
Automobiles, aircraft, boats, and other motorized vehicles and their associated motors, equipment, and accessories
Real estate and items that are intended to become part of real estate (e.g., garage doors, ceiling fans, etc.)
Rented or leased items
Computer software
Medical equipment
Used or pre-owned items (refurbished items will be covered as long as it has a warranty with it and would not be considered used or pre-owned)
Losses caused by or resulting from a cyber incident
Items purchased for resale, professional, or commercial use
Any costs other than those specifically covered under the terms of the original eligible warranty
How To Use the Capital One Venture X Card’s Extended Warranty
Now that we know what types of purchases are eligible for the extended warranty, let’s go through all the steps needed to follow if an incident occurs.
At a high level, you should make it a habit to register any purchases for extended warranty. It’s not a requirement, but it minimizes the need to compile extra documents and paperwork if you need to file a claim for that item.
To register your item, you can do so online at cardbenefitservices.com (you’ll need to create an online account) or call your Benefits Administrator at 844-288-2140.
You’ll need to either upload or send the sales receipt and warranty information so they can register your item.
Suppose you choose not to register your items. In that case, you’ll need to keep your monthly billing statement showing the purchase, the itemized sales receipt, the item’s original manufacturer’s written U.S. warranty, and any other coverage you may have received or purchased when you bought the item.
To file a claim, visit cardbenefitservices.com or call your Benefits Administrator at 844-288-2140 within 60 days of the product failure and open a case.
You’ll be requested to provide basic preliminary claim information and directed to the appropriate repair facility. After that, the Benefit Administrator will send you a claim form to complete.
Complete the claim form and submit the required documentation within 90 days of product failure:
A copy of your monthly billing statement showing the last 4 digits of your credit card account number and the purchase
Itemized sales receipt
Original manufacturer’s written US. warranty
Description of the item and its serial number
Original repair estimate or repair bill
Any other documentation necessary
After that, the claim will be substantiated and evaluated, and you will be eligible for reimbursements if your item requires repair or replacement.
If your item needs to be repaired, you can go to an authorized repair facility and file a claim for reimbursement.
Reimbursements should occur within 5 business days of approval.
Final Thoughts
As you can see, an extended warranty protects you against product and manufacturer defects, which can be useful, especially if you’re buying technology gadgets or similar items.
Hopefully, you have gleaned some useful knowledge from this guide, both about the Capital One Venture X card and the extended warranty coverage offered by this card.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
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.
Featured Image Credit: Upgraded Points
Frequently Asked Questions
No, extended warranty coverage does not apply if you cancel your credit card.
In general, no. It must be for a new purchase that has an eligible U.S. original manufacturer’s warranty.
Yes, it does! For eligible purchases that have a qualifying warranty of 3 years or less, the Capital One Venture X card offers 1 additional year of extended warranty.
You’ll need to first register your extended warranty at 844-288-2140 or cardbenefitservices.com before filing a claim. If you need to file a claim, contact your Benefits Administrator or visit cardbenefitservices.com to open a case. Then, submit all the documentation including the sales receipt, original warranty information, and any other required documents in order to fully substantiate the case.
Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.
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.
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