Chase Freedom Unlimited Extended Warranty – How Does it Work?

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.

What Is Extended Warranty Coverage?

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.

Freedom Unlimited Card Snapshot

Chase Freedom Unlimited^®

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This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

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Chase Freedom Unlimited^®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Welcome Offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

Annual Fee

$0

APR

0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

Credit Recommended

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)

Why We Like This Card

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.

Pros & Cons

Pros

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• 5% back on travel purchased through Chase Travel
• 3% back on dining and drugstore purchases
• 1.5% back on all other purchases
• No annual fee
• Earn big on travel purchased through Chase Travel
• Everyday bonus on dining and drugstores
• Straightforward cash-back on all other purchases
• Ability to pool points

Cons

• 3% foreign transaction fee

Card Highlights

• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

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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:

• 5% cash-back on travel purchased through Chase Travel
• 5% cash-back on Lyft purchases through March 31, 2025
• 3% cash-back on dining, including takeout
• 3% cash-back at drugstores
• 1.5% cash-back on other purchases

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.

What Sets Apart the Freedom Unlimited Card for Extended Warranty Coverage

There are 4 main characteristics of an extended warranty policy that you should pay attention to:

• Additional extended warranty coverage length
• Maximum original warranty length for extended warranty coverage
• Maximum coverage per item or claim
• Maximum coverage per year

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.

Notable Exclusions From Extended Warranty

Some items aren’t covered under the extended warranty protection benefit:

• Automobiles, aircraft, boats, and any other motorized vehicles and their motors, equipment, or accessories, including trailers and other towable items or attachments to any motorized vehicle
• Any costs other than those specifically covered under the terms of the original manufacturer’s written U.S. repair warranty
• Computer software
• Items purchased for commercial, resale, or professional use
• Medical equipment
• Rented or leased items
• Used or pre-owned items

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.

How To Use the Freedom Unlimited Card’s Extended Warranty

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:

1. Register your purchase for extended warranty
2. File a claim

Registering your eligible item is the first thing you’ll want to do. To register, you’ll follow these steps:

1. Visit cardbenefitservices.com or call the Benefits Administrator at 888-320-9656 (or call collect outside the U.S. at 804-673-1691) to register your item.
2. If registering your product online, you may need to create an online account.
3. Your Benefits Administrator or the online document upload center will prompt you to upload or send copies of the item’s receipt and warranty information, which will be kept on file.

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:

• Your Freedom Unlimited card’s statement that shows the last 4 digits of the account number reflecting the purchase
• Your itemized sales receipt
• The item’s original manufacturer’s written U.S. warranty
• Any other applicable warranty you received or purchased when you bought your item

After registering your item, you may need to file a claim. Follow these steps to file a claim:

1. Log into your online account or call the Benefits Administrator at the same phone number above to start the claim process immediately after your item’s failure.
   • You must notify the Benefits Administrator or initiate a claim within 90 days of the product failure to be eligible for coverage.
2. The Benefits Administrator will ask some preliminary questions, send you to an appropriate repair facility, and provide a claim form.
3. Return and complete the signed form along with any documentation within 120 days of item failure to submit your completed claim.

As part of the documentation substantiating the claim, you may be asked to send:

• Completed and signed claim form
• Your Freedom Unlimited card statement showing the purchase and the last 4 digits of your account number
• Copy of the itemized sales receipt, original manufacturer’s written U.S. warranty, and any other applicable warranty
• Description of the item, including serial number
• Repair estimate or repair bill indicating the cause of failure
• Any other documentation requested by the Benefits Administrator

Bottom Line: Overall, the process for using your extended warranty is pretty simple. First, we recommend registering your product, especially if it’s an expensive one. Then, file your claim online or over the phone as soon as the item fails. Provide the necessary documentation and submit a completed claim form. 

Final Thoughts

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!