Edited by: Jessica Merritt
& Stella Shon
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Homeschooling through the COVID-19 pandemic was a challenge for kids, teachers, parents … and definitely the headphones in my house. The last surviving set of what may have been 10+ headphones purchased throughout my kids’ home learning experience finally just bit the dust. I was quick to order a new pair, knowing that I had extended warranty coverage that would help replace the broken ones.
I experienced a slight hiccup in the claim process — the Chase Sapphire Reserve® I purchased the headphones with nearly 2 years ago was closed. Would the claim still get covered? Learn more about my experience filing an extended warranty claim on my (former) Chase Sapphire Reserve card.
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When purchasing an eligible item with your Chase Sapphire Reserve card, the manufacturer’s warranty of 3 years or less will be extended for 1 year. The benefit is limited to up to $10,000 per claim and a maximum of $50,000 per account.
Chase’s coverage is an extension of the product’s original warranty terms, and as such, manufacturer’s defects are generally covered, but not instances of damage or theft.
Both U.S. and international purchases (including items given as gifts) are eligible for coverage. According to the Guide to Benefits, the item must have a “valid original manufacturer’s U.S. repair warranty of three (3) years or less, a store–purchased dealer warranty, or an assembler warranty.”
Certain items are not eligible for extended warranty coverage, including computer software, items purchased for resale, professional, or commercial use, medical equipment, motorized vehicles, and used or pre-owned items.
While Chase’s extended warranty coverage is extensive enough to cover items such as cell phones, TVs, or laptops, my experience has mainly been with smaller-ticket items. Almost all of my previous claims have been kid-related, from broken Nintendo Switch controllers to broken eyeglasses and water bottles.
My son’s most recent pair of headphones, purchased in July 2021, officially died in May 2023. I checked my Amazon order records to see which card I purchased them with and saw that it was my Chase Sapphire Reserve card. At the time, I was an authorized user on my husband’s card, though he closed it in July 2022 (resisting my pleas to downgrade it).
I wasn’t sure if Chase would still entertain the claim from a closed account, so I called the Benefits Administrator, Card Benefit Services, at 800-882-8057 to ask. I was assured that I could still file the claim, so I gathered the documents needed.
The first step in filing a claim is to contact the Benefits Administrator as soon as the item fails. You have 90 days from the failure date. You can call 800-882-8057 to get the process started, but I find that it’s easiest to file the claim yourself online at cardbenefitservices.com.
The process of filling out the claim online is quite simple, and the website walks you through the required details:
While not all of the following documents may be required, you should be prepared to send in your:
When completing the form online, it is easy to see which documents need to be uploaded and what uploads have been accepted by the system:
In my experience filing extended warranty claims, the Benefits Administrator often asks for a receipt showing you have replaced the item. You do not need to use the same card for the replacement purchase.
My husband’s Chase account no longer showed the Chase Sapphire Reserve card’s previous statements, so had him send a Secure Message through Chase.com (also available through the Chase app) asking for a copy of the statement. I had pinpointed the date of purchase via my Amazon receipt, so he asked for the statement for the date range that covered that period. Unfortunately, Chase could not send this statement electronically, so we had to wait for a physical copy to be mailed.
After submitting all required documentation, Card Benefit Services may contact you for additional information or documentation to complete your claim. I have been filing claims for several years, and this claim was the first where I was asked via email for a written copy of the warranty:
The next step was locating the warranty for the headphones. I no longer had the original packaging, and there didn’t seem to be a manufacturer’s website that I could find. It dawned on me that this item might not even have a warranty (cue the facepalm).
To research this further, I contacted the seller via Amazon. I was pleased to learn that the headphones had a 1-year warranty and that the claim would fall within the extended warranty period of 1 additional year beyond the original warranty. The screenshot of the manufacturer’s written response below is what I submitted with my claim:
I filed the claim on June 18, 2023, and received confirmation of approval (as well as the money transferred to my checking account) on June 22, 2023 — just 4 days from submittal to cash in hand!
The Benefit Administrator has the discretion to replace or repair the item for no more than what you originally paid for the item. In this example, I paid $9.79 (with tax) for the original headphones and replaced them with new headphones that cost $13.46, but I was only reimbursed the original $9.79.
Card Benefit Services offers direct payments to debit cards, via bank transfer (ACH), or via check. You will not be reimbursed back to the credit card you paid for the claimed item with.
Extended warranty coverage is a benefit included with many premium and mid-tier credit cards. Should an item you’ve purchased fail, check your card’s Guide to Benefits to see what specific coverage may or may not be included with your card.
Here are some of our favorite cards with extended warranty coverage, listed by issuer:
|Issuer||Examples of Cards With Coverage||Extended Warranty Coverage and Limits|
|American Express||Manufacturers’ warranties of 5 years or less are extended by 1 year; up to $10,000 per claim, up to $50,000 per account|
|Capital One||Manufacturers’ warranties of 3 years or less are extended by 1 additional year; up to $10,000 per claim, up to $50,000 per account|
|Chase||Manufacturers’ warranties of 3 years or less are extended by 1 year; up to $10,000 per claim, up to $50,000 per account|
|Citi||Manufacturers’ warranties of 5 years or less are extended by up to 24 months, for a maximum of 7 years total; up to $10,000 per claim|
* Benefit only available to accounts approved for the Visa Signature card, subject to terms, conditions, and exclusions in the Visa Signature Guide to Benefits. Benefit is not available on Visa Platinum cards.
Was it worth a few minutes of my time to get just a few bucks back? Well, why not? Considering that premium credit cards can have annual fees upwards of $700, any time I use a card’s ancillary benefits I get that much more value from its annual fee. Utilizing the Chase Sapphire Reserve card’s benefits, particularly its travel protections and purchase protections, has saved me thousands of dollars over the life of the card.
Knowing what purchase protections your card may have should also help you determine which card to use for a purchase that may need extended warranty coverage, like electronics, appliances, tools, or sporting equipment. Making your purchase online, when possible, also helps keep a record of your purchase should you need to track down previous orders or receipts for filing a claim.
For the extended warranty benefit of The Platinum Card® from American Express, 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. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the extended warranty benefit of the 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. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the extended warranty benefit of The Business Platinum Card® from American Express, 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. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
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 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.
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.
Yes, the Chase Sapphire Reserve card’s extended warranty coverage extended manufacturers’ warranties of 3 years or less by 1 year. Limits are up to $10,000 per item and up to $50,000 per account.
The Chase Sapphire Reserve card does not offer price protection as a benefit. However, its purchase protection and extended warranty coverage are useful benefits.
Chase’s extended warranty coverage generally covers manufacturer’s defects and excludes instances of damage or theft. If your Chase card includes purchase protection, you may have coverage for accidental damage.
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