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Which Credit Cards Offer an Extended Warranty?

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If you’ve ever had an item break after the warranty expires, you know the pain and expense involved in getting it repaired or having to purchase a replacement. However, if you used a select credit card to buy the item, you may receive an extended warranty and up to $50,000 in coverage.

Extended warranty protection is just one of several protection benefits that some credit cards offer at no additional cost. It can come in handy after your product warranty expires by extending the warranty by one or two years. Keep in mind, coverage provided by your credit card is secondary to any service contract or extended warranty that is offered by the manufacturer.

When an extended warranty claim is approved, your card issuer may have the product repaired or replaced, or you may be reimbursed up to the amount of the item purchased. The exact terms for extended warranty protection vary by issuer, so you should familiarize yourself with what’s covered and how much you may be covered for before filing a claim.

Here, we’ll review the extended warranty terms provided by major issuers, exclusions and how to file a claim.

Extended warranty by issuer

In the past year, many issuers have reduced additional card benefits, such as extended warranty and return and purchase protections. Some, like Discover, completely removed the benefits altogether. However, there are still some issuers that provide extended warranty protection. If you’re in the market for a large-ticket item, such as an appliance or electronics, choosing to purchase that item with a credit card that has extended warranty coverage can be a good idea.

Here are the extended warranty terms for major card issuers:

Extended Warranty by Credit Card Issuer
Issuer Maximum coverage per item Maximum coverage per calendar year per account Fine print
American Express® $10,000 $50,000 Up to 1 extra year added to the original U.S. manufacturer’s warranty. Applies to warranties of 5 years or less.
Bank of America® Not specified Not specified Up to 1 extra year added to the original U.S. manufacturer’s warranty. Applies to warranties of 3 years or less.
Barclays $10,000 Not specified Up to 2 extra years added to the original manufacturer’s warranty. Applies to warranties of 2 years or less.
Capital One® $10,000 $50,000 Up to 1 extra year added to the original U.S. manufacturer’s warranty. Depending on if you have a Visa or Mastercard, this benefit applies to warranties of 1-3 years or less.
Chase $10,000 $50,000 Up to 1 extra year added to the original U.S. manufacturer’s warranty. Applies to warranties of 3 years or less.
Citi® $10,000 Not specified Up to 2 extra years added to the original manufacturer’s warranty, not to exceed 7 years from the original purchase date.

Popular American Express cards with extended warranty:

Popular Barclays cards with extended warranty:

Popular Chase cards with extended warranty:

  • Chase Sapphire Reserve®

Popular Citi cards with extended warranty:

What are the exclusions?

Extended warranties set several limitations beyond maximum coverage per year and the amount of time that can be added to your eligible warranty — there are also numerous items that are excluded from coverage. Most items that are excluded, such as pets and beauty products, aren’t ones that come with warranties to begin with. Also, shipping and handling costs won’t be reimbursed.

Here are the common items that don’t qualify for purchase protection:

  • Motorized vehicles (cars, boats, motorcycles) and their attached parts (including tires)
  • Computer software or any type of video, digital, or audio discs or tapes, including video games
  • Collectable, one-of-a-kind, custom-built, and limited edition items (antiques, coins, furs, art, sports memorabilia, stamps, for example)
  • Services and additional costs (installation charges, warranties, memberships)
  • Items that can spoil or are consumable and need to be replaced after they have been used for a period of time (food, fuel, batteries, medications, beauty products or personal care products)
  • Animals
  • Living plants

In addition to excluded items, certain types of circumstances that caused the damage are often excluded:

  • Natural disaster
  • Acts of war, civil disturbance
  • Power surge
  • Product recall
  • Fraud, abuse or illegal activity

How to file a claim

You have several ways to file an extended warranty claim: calling your bank, submitting a claim form online or mailing a claim form. When filing a claim, you’ll need the original receipt, original manufacturer’s warranty, and damaged product. Your card issuer may also request additional documentation, such as a repair estimate.

Can you keep the item after you file a claim?

Not likely — your card issuer may require you to ship the eligible item to a specific location where it’ll be inspected. Your card issuer will provide reimbursement for the shipping cost.