Edited by: Jessica Merritt
& Kellie Jez
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The Chase Freedom Unlimited® is one of the most popular no-annual-fee credit cards out there. And despite having no annual fee, it has a variety of valuable benefits.
One of these benefits is extended warranty coverage, which can add hundreds of dollars in value back into your pocket under the right circumstances.
You probably hope not to have to use your extended warranty coverage, but it could be valuable if you ever do need to use it.
In this guide, we’ll give you the complete A to Z on the Freedom Unlimited card’s extended warranty benefit.
Extended warranty coverage is a type of insurance policy that extends a warranty’s coverage period beyond the original manufacturer’s warranty.
Using extended warranty coverage can help you get reimbursed for substantial sums of money, especially if you bought faulty big-ticket items such as electronics.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
The Freedom Unlimited card is one of our favorite credit cards, especially if you’re looking to focus on earning rewards through a no-annual-fee credit card.
The rewards on this credit card earn up to 5% cash-back:
This doesn’t tell the complete story of the rewards, though. If you have an Ultimate Rewards credit card. such as the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®, you’ll be able to convert your cash-back rewards to Ultimate Rewards points at a ratio of 1% to 1x.
That means your 5% cash-back would be convertible to 5x Ultimate Rewards points, which would double your return on spending to 10%! This is huge for a no-annual-fee card.
In addition, the Freedom Unlimited card offers 3 complimentary months of DoorDash DashPass (activate by December 31, 2024), trip cancellation and interruption insurance, secondary rental car insurance, travel and emergency assistance services, roadside dispatch, and zero liability protection.
You’ll even get purchase protection, access to Chase Offers, a 3-month complimentary Instacart+ membership with $10 per quarter in statement credits through July 2024, authorized users for no additional annual fee, and of course, extended warranty coverage.
There are 4 main characteristics of an extended warranty policy that you should pay attention to:
In this case, the Freedom Unlimited card offers extended warranty for 1 additional year on eligible original warranties of 3 years or less.
For example, if you purchase an eligible item that already has a 5-year warranty, you wouldn’t be able to get the warranty extended beyond that.
But if you purchase an eligible item that has a 1-year warranty, you’ll be eligible for an additional year for a total of 2 years.
The Freedom Unlimited card offers up to $10,000 in reimbursements per claim and up to $50,000 in total reimbursements per calendar year.
This is a fantastic coverage policy because you can potentially get thousands of dollars in coverage for more expensive items that become faulty.
Extended warranty coverage applies to purchases made both inside and outside of the U.S., but the warranty must be offered as a U.S. policy with the original manufacturer.
Any foreign warranties will not apply — these also include store-purchased dealer warranties, assembler warranties, and so on.
Gifts can also be covered, too.
To be eligible for the benefit, you must charge all or a portion of the cost of an eligible item to your Freedom Unlimited card with your name embossed on the card. You can also receive this extended warranty protection if you use your rewards to purchase these items.
The maximum coverage you’ll receive on this card is limited to the total amount you charged onto your Freedom Unlimited card, so if you only use the card to pay $500 out of a total purchase price of $10,000, you’ll only be eligible for a maximum of $500 in coverage.
Some items aren’t covered under the extended warranty protection benefit:
Notably, if an item is refurbished, it will be covered as long as it has a warranty accompanying it. These refurbished items aren’t counted as used or pre-owned.
Now that you know the coverage details of the Freedom Unlimited card’s extended warranty protection, you’ll want to learn how to actually use the extended warranty if a covered incident occurs.
There are 2 general steps you should take:
Registering your eligible item is the first thing you’ll want to do. To register, you’ll follow these steps:
You are not required to register your items to get extended warranty protection, but it’ll save you a lot of headache if you need to file a claim in the future.
If you choose not to register your items, keep these items:
After registering your item, you may need to file a claim. Follow these steps to file a claim:
As part of the documentation substantiating the claim, you may be asked to send:
Extended warranty can protect you against product failures beyond what the original manufacturer’s warranty covers.
In the case of the Freedom Unlimited card, you’re eligible for coverage of up to $10,000 per item and up to $50,000 per calendar year.
Additionally, extended warranty coverage is offered on items with warranties of 3 years or less. You’ll get 1 year of extended warranty on eligible items and warranties.
Now you have the complete scoop on how the Freedom Unlimited card’s extended warranty policy works!
To use your extended warranty, you’ll need to call the Benefit Administrator at 888-320-9656 (or call collect outside the U.S. at 804-673-1691) or visit cardbenefitservices.com to register your device.
After that, if your covered item fails, contact the Benefit Administrator to start the process for filing a claim. Supply the required documentation and submit all the required forms and supporting documentation to the Benefit Administrator within 120 days of the product failure. You can also file a claim online.
The Freedom Unlimited card does not have cell phone coverage.
Yes, the Freedom Unlimited card has purchase protection. You can get coverage for eligible incidents that occur up to 120 days after the date of purchase. Each claim entitles you to up to $500 in coverage per item with a maximum of $50,000 in total coverage per calendar year
Yes! The Freedom Unlimited card offers extended warranty coverage on eligible U.S. manufacturer’s warranties of 3 years or less by adding an additional year of coverage.
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