Best credit cards for extended warranties
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When you make a purchase, it’s helpful to have the peace of mind of warranty protection from the manufacturer — especially if it’s an expensive item. But if your item breaks or is damaged after the warranty has ended, you may think you’re out of luck. The good news is if you put your purchase on a credit card with extended warranty protection, you may still be able to receive reimbursement for repair or replacement costs, or even have the original purchase cost reimbursed. That’s something to remember now, in particular, as we head into the holiday shopping frenzy.
This guide describes how to utilize the extended warranty benefit offered by select credit cards as well as lists some of the best cards that offer extended warranty protection. Consider using one of them for your holiday purchases to ensure that the recipient is protected against the unexpected and can use the gift you give them well into the future.
The best extended warranty cards of 2021
- Chase Sapphire Preferred Card: Best mid-tier travel card.
- Chase Sapphire Reserve: Best for travel and dining.
- Citi Premier® Card: Best Citi card.
- American Express® Green Card: Best Amex card for modern travelers.
- The Platinum Card® from American Express: Best for luxury travel benefits.
- American Express® Gold Card: Best for foodies.
- Capital One Venture Rewards Credit Card: Best for flat-rate earning.
- Capital One Venture X Rewards Credit Card: Best for easy-to-use statement credits.
- Chase Freedom Unlimited: Best for flat-rate earning with no annual fee.
- Chase Freedom Flex: Best for rotating rewards categories.
- Blue Cash Preferred® Card from American Express: Best cash-back card.
- U.S. Bank Altitude Reserve Visa Infinite Card: Best for mobile wallet.
- Citi® / AAdvantage® Platinum Select® World Elite Mastercard®: Best sub-$100 annual fee card for American Airlines travelers.
- American Airlines AAdvantage MileUp℠ Card: Best no-annual-fee card for American Airlines travelers.
- Delta SkyMiles® Platinum American Express Card: Best mid-tier card for Delta travelers.
- United Explorer Card: Best sub-$100 annual fee card for United travelers.
- Southwest Rapid Rewards Plus Credit Card: Best low-annual-fee card for Southwest travelers.
- British Airways Visa Signature Card: Best for British Airways travelers.
- Hilton Honors American Express Aspire Card: Best for Hilton loyalists.
- Marriott Bonvoy Brilliant™ American Express® Card: Best for Marriott loyalists.
- World of Hyatt Credit Card: Best for Hyatt loyalists.
The information for the Amex Green, U.S. Bank Altitude Reserve, Citi AAdvantage Platinum Select and Hilton Aspire cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
What is a credit card extended warranty?
The extended warranty protection offered by select credit cards effectively extends the manufacturer’s warranty on eligible products purchased with the card. This protection mirrors the protection provided by the original manufacturer’s warranty, so damage that would have been covered by the original warranty will be covered by the extended warranty.
Credit card extended warranty coverage varies. Some match the original warranty up to a particular period of time. Others add a set amount of time to the end of the original warranty. However, there are usually exclusions and maximum coverage limits. Note that extended warranty protection covers a wide variety of items, whereas the cellphone protection offered by select credit cards only covers cellphones.
Comparing the best credit cards for extended warranties
|Issuer, bank or network||Extension period||Maximum coverage||Maximum length of initial warranty|
|Citi||2 years||$10,000 per item||5 years|
|American Express||1 year||$10,000 per item, $50,000 per account per year||5 years|
|Chase||1 year||$10,000 per claim, $50,000 per account||3 years|
|Visa Signature||Match up to 1 year||$10,000 per claim, $50,000 per cardholder||3 years|
|Visa Infinite||1 year||$10,000 per claim, $50,000 per cardholder||3 years|
|USAA||Match up to 1 year||$15,000 per claim, $50,000 per account||3 years|
It’s important to note that only certain cards offered by these issuers or banks offer extended warranty protection.
The following sections describe some of the best consumer cards from these issuers that offer extended warranty protection.
Other cards not mentioned here also offer extended warranty protection, so you don’t assume that a card doesn’t offer this benefit simply because it is not listed in this guide. Check your card’s guide to benefits for details.
Comparing the best Citi credit cards for extended warranties
|Card||Sign-up bonus||Earning rates||Annual fee|
|Citi Premier® Card||80,000 bonus points after you spend $4,000 on purchases within the first three months of account opening.||3x ThankYou points on air travel, hotels, gas stations, restaurants and supermarkets; 1x on all other purchases||$95|
|Citi / AAdvantage Platinum Select World Elite Mastercard||50,000 miles after you spend $2,500 on purchases within three months of account opening||2x on eligible American Airlines purchases, restaurants and gas stations; 1x on all other purchases||$99 (waived for the first year)|
|American Airlines AAdvantage MileUp Card||10,000 miles and a $50 statement credit after you spend $500 on purchases within three months of account opening||2x on grocery stores and eligible American Airlines purchases; 1x on all other purchases||None|
|AT&T Access Card from Citi||10,000 points after you spend $1,000 on purchases within three months of account opening||2x on eligible retail and travel websites; 2x on products and services purchased directly from AT&T; 1x on all other purchases||None|
The information for the Citi AAdvantage Platinum Select and the AT&T Access cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Back in 2019, Citi removed many benefits from its cards to the dismay of many. However, the Citi cards described in the above table still offer an extended warranty benefit. This benefit extends the manufacturer’s warranty by two years, with total coverage not exceeding seven years from the purchase date.
Citi doesn’t have a minimum manufacturer’s warranty required for coverage, so a one-month manufacturer’s warranty would still be extended by two years on covered items. If you purchase an extended warranty, Citi’s coverage begins at the expiration of that warranty. To be eligible for coverage, you must have paid for either all or part of the item with your Citi card and/or ThankYou points.
Citi’s extended warranty coverage doesn’t apply to:
- Boats, cars, aircraft or any other motorized land, air or water vehicles and their original equipment (tires aren’t covered, either).
- Services, unless covered under the manufacturer’s warranty.
- Used, antique or pre-owned items.
- Items purchased for resale, professional or commercial use.
- Land or buildings; housing properties.
- Plants and live animals.
- Items that don’t come with a manufacturer’s warranty.
Additionally, Citi’s extended warranty coverage doesn’t apply when:
- You fail to care for or service the item appropriately as required by the manufacturer.
- The item has a product defect, recall or experiences normal wear and tear where no failure has occurred.
- The item is damaged because of an act of God, such as a flood, hurricane, lightning, wind or earthquake.
Related: The best Citi credit cards
Comparing the best American Express cards for extended warranties
|Card||Welcome bonus||Earning rates||Annual fee|
|American Express Green Card||45,000 points after you spend $2,000 on purchases in your first six months of card membership. Terms apply.||3x on travel, transit and restaurants; 1x on all other purchases||$150 (see rates and fees)|
|The Platinum Card from American Express||Earn 100,000 bonus points after you spend $6,000 on purchases on the card in the first six months of card membership.||5x on flights booked directly with airlines or through Amex Travel (on up to $500,000 per calendar year) and prepaid hotels booked with American Express Travel. Earn 1x on other purchases||$695 (see rates and fees)|
|American Express Gold Card||60,000 points after you spend $4,000 on purchases in your first six months. Terms apply.||4x at restaurants and U.S. supermarkets (on up to $25,000 per calendar year, then 1x); 3x on flights booked directly with airlines or through amextravel.com; 1x on other purchases||$250 (see rates and fees)|
|Hilton Honors American Express Aspire Card||150,000 points after you spend $4,000 on purchases in your first three months. Terms apply.||14x on eligible purchases at Hilton hotels and resorts; 7x on U.S. restaurants, car rentals booked directly with select companies and flights booked directly with airlines or through amextravel.com; 3x on all other purchases||$450 (see rates and fees)|
|Marriott Bonvoy Brilliant American Express Card||Earn 75,000 Marriott Bonvoy bonus points after you use your new card to make $3,000 in eligible purchases within the first three months of card membership.||6x at hotels participating in the Marriott Bonvoy program; 3x on U.S. restaurants and flights booked directly with airlines; 2x on other eligible purchases||$450 (see rates and fees)|
|Delta SkyMiles Platinum American Express Card||Earn 90,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months. Offer ends 8/3/2022.||3x on eligible Delta purchases and hotels booked directly; 2x at restaurants and U.S. supermarkets; 1x on all other eligible purchases||$250 (see rates and fees)|
|Blue Cash Preferred Card from American Express||Earn a $350 statement credit after you spend $3,000 in purchases on your new card within the first six months.||6% at U.S. supermarkets (on up to $6,000 per calendar year, then 1%) and select U.S. streaming subscriptions; 3% on transit and U.S. gas stations; 1% back on all other eligible purchases||$95 (see rates and fees)|
The information for the Amex Green and Hilton Aspire Amex cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
The Amex benefit provides up to $10,000 per covered purchase and up to $50,000 in a calendar year per eligible card. Currently, most Amex cards will match manufacturer’s warranties of one year or less and extend manufacturer’s warranties of two to five years by one year. However, select no-annual-fee cards no longer offer any extended warranty coverage as of Jan. 1, 2020. You can see the current guide to benefits for each American Express card that offers extended warranty protection on American Express’ website.
An item is eligible for coverage if it was paid for with an eligible card or purchased through the redemption of Membership Rewards points and/or Pay with Points.
The following items aren’t covered:
- Items covered by an unconditional satisfaction guarantee.
- Items damaged through alteration or modification of any kind.
- Animals or living plants.
- One-of-a-kind items including antiques, artwork and furs or previously owned and used items (except when refurbished by the original manufacturer).
- Purchases that have a limited lifespan like food, perfume, light bulbs, batteries, etc.
- Credit cards, securities, documents and tickets, traveler’s checks and other negotiable instruments including gift certificates, gift cards, gift checks, food stamps, cash or its equivalent, notes, accounts, bills, currency, deeds, evidence of debt or intangible property and rare stamps or coins.
- Items that are rented, leased or borrowed.
- Motorized devices or motorized device parts, except for motorized devices and motorized device parts that are permanent residential or business fixtures that can be removed without damaging the structure.
- Permanent residential or business fixtures, additions or built-ins that can’t be removed without damaging the structure.
- Land or buildings.
- More than one article in a pair or set. Coverage will be limited to no more than the value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection.
- Downloadable services, application programs, computer programs, operating software, firmware and other software of any kind.
- Items voluntarily or involuntarily discarded.
- Indirect or direct damages to any other item or property resulting from a covered event.
- Items purchased for use as resale (i.e., goods purchased as inventory for sale).
- Items purchased for professional or commercial use, including education, training or skills, or to be used in professional competition.
No coverage is provided for:
- Charges for shipping, handling, installation, assembly, professional advice, maintenance or other service fees, warranties or memberships, including costs or fees in addition to the replacement cost.
- Rebates, discounts or money from lowest-price programs.
- Any legal defense costs or expenses.
- Any request to return a covered purchase by a retailer, wholesaler or manufacturer, including product recall.
- Additional service contract, extended warranty coverage or purchased service contract for a computer, computer component or part that is bought which already comes with an original manufacturer’s warranty and/or retailer’s warranty, unless such coverage is provided and administered by the original manufacturer.
- Repairs not completed at an authorized repair facility or another repair facility acceptable under the original manufacturer’s warranty or using aftermarket parts not approved by the original manufacturer’s warranty.
- Physical damage, including damage as a direct result of natural disaster or a power surge, except to the extent the original manufacturer’s warranty covers such physical damage.
- Eligible beneficiary’s participation in a felony, riot, civil disturbance, protest or insurrection.
- Items for which the combination of the original manufacturer’s warranty coverage and/or purchase service contract exceeds five years.
Comparing the best Chase credit cards for extended warranties
|Card||Sign-up bonus||Earning rates||Annual fee|
|Chase Sapphire Preferred Card||60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.||5x total points on all travel purchased through Chase Ultimate Rewards, excluding hotel purchases that qualify for the $50 anniversary credit
3x points on dining, including eligible delivery services, takeout and dining out
3x points on select streaming services
3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs)
2x points on all other travel
1x point on all other purchases
|Chase Sapphire Reserve||60,000 bonus points after you spend $4,000 on purchases in the first three months.||10x on hotels and car rentals purchased through Chase Ultimate Rewards (excluding the $300 annual travel credit)
5x on flights purchased through Chase Ultimate Rewards (excluding the $300 annual travel credit)
10x on Lyft rides through March 2022
1x on other purchases
|Chase Freedom Unlimited||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.||5% on travel booked through Chase Ultimate Rewards (up to 6.5% for the first year)
3% on dining and drugstores (up to 4.5% for the first year)
1.5% on other purchases (up to 3% for the first year)
|Chase Freedom Flex||$200 after you spend $500 on purchases in your first three months||5% on select categories that rotate quarterly (activation required) and travel booked through Chase Ultimate Rewards
3% on dining and drugstores
1% on other purchases
|Southwest Rapid Rewards Plus Credit Card||Earn 75,000 bonus points after spending $5,000 on purchases in the first three months.||2 points per dollar spent on Southwest purchases
2 points on local transit and commuting (including ride-hailing services)
2 points on internet, cable, phone services and select streaming
1 point per dollar on everything else
|United Explorer Card||Earn up to 70,000 bonus miles. Earn 60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open. Plus, earn an additional 10,000 miles after you spend $6,000 total on purchases in the first six months your account is open.||2x on United purchases, restaurants and hotel accommodations booked directly with hotels
1x on all other purchases
|$95, waived the first year|
|British Airways Visa Signature Card||Earn up to 100,000 Avios. Earn 75,000 Avios after you spend $5,000 on purchases within the first three months from account opening and earn an additional 25,000 Avios after you spend $20,000 in the the first 12 months of account opening.||3x on purchases with British Airways, Aer Lingus, Iberia and Level
2x on hotel accommodations when purchased directly with the hotel
1x on all other purchases
|World of Hyatt Credit Card||Up to 60,000 points: 30,000 points after you spend $3,000 on purchases within your first three months. Plus, up to 30,000 more points by earning 2x on purchases that normally earn 1x, on up to $15,000 in your first six months.||4x on Hyatt purchases
2x on purchases that normally earn 1x, on up to $15,000 in the first 6 months of account opening
1x on all other purchases
Most Chase cards, including but not limited to all of the cards listed above, will extend eligible U.S. manufacturer’s warranties of three years or less by one additional year. Purchases made using rewards points are also eligible for the extended warranty benefit. You’re covered up to $10,000 per claim and up to $50,000 per account.
The following items aren’t covered:
- Boats, automobiles, aircraft and any other motorized vehicles and their motors, equipment or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle.
- Any costs other than those specifically covered under the terms of the original manufacturer-written U.S. repair warranty, as supplied by the original manufacturer, or other eligible warranty.
- Items purchased for resale, professional or commercial use.
- Rented or leased items.
- Computer software.
- Medical equipment.
- Used or pre-owned items (refurbished items will be covered as long as they have a warranty and would not be considered used or pre-owned).
Related: The best Chase credit cards of 2021
Other cards with extended warranty benefits
Visa Signature and Visa Infinite cards — such as the Capital One Venture X Rewards Credit Card, the Capital One Venture Rewards Credit Card and the U.S. Bank Altitude Reserve Visa Infinite Card — offer extended warranty protection. Both card types will extend warranties of three years or less and will cover up to $10,000 per claim and up to $50,000 per cardholder. Visa Signature cards will match warranties of less than one year and extend warranties of one to three years by one year, while Visa Infinite cards will extend warranties of up to three years by one year. Benefits only available to accounts approved for a Visa Signature or Visa Infinite card. Terms apply.
Related: The best Visa credit cards
USAA credit cards also offer extended warranty protection that will match warranties of less than one year and extend warranties of one to three years by one additional year. You can be covered up to $15,000 per claim and up to $50,000 per account.
How to utilize credit card extended warranties
There are a few items you should save after buying something that has a manufacturer’s warranty if you’ve used a credit card that features an extended warranty benefit:
- Original store receipt.
- Credit card statement for the month showing the charge.
- Manufacturer’s warranty booklet or document.
If something you own breaks and has a manufacturer’s warranty:
- Check the manufacturer’s warranty. If the item is still covered, begin a claim with the manufacturer.
- If it’s outside the manufacturer’s warranty, check the benefits guide for the credit card that you used to make the purchase.
- Call a benefits administrator if you need to file a claim or have questions regarding the claim process or eligibility. Call before getting the item repaired in case you are required to send it to a particular repair facility.
- Collect documentation — which may consist of a repair quote, photos of the damaged item, the original receipt and the credit card statement showing the charge — and submit the claim.
If approved, you’ll usually receive a check or statement credit reimbursing you for repair costs, replacement costs or the original purchase cost. In some cases, the benefits administrator may ask you to send back the item for inspection or repair.
What isn’t covered by credit card extended warranty protection
The extended warranty benefit offered by select credit cards doesn’t cover all purchases or all types of damage. Your purchase won’t be covered if an eligible manufacturer’s warranty didn’t originally cover it. Additionally, most extended warranty benefits have maximum coverage lengths and coverage limits per item, claim or account.
Most extended warranty benefits have set exclusions. Some types of items are commonly excluded, like cars, boats, software, plants, animals, antiques and products normally hard-wired into a house. Likewise, some types of damage like power surges, accidental damage, catastrophes, wear and tear and riots are usually excluded. You can find all of the exclusions in your card’s guide to benefits.
- 9 things to consider when choosing a credit card for large purchases
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- Amex’s shopping protections make them my favorite cards for purchases
- The best store credit cards
- The best credit cards with travel insurance
Additional reporting by Madison Blancaflor and Senitra Horbrook.
For rates and fees of the Amex Green Card, click here.
For rates and fees of the Amex Platinum Card, click here.
For rates and fees of the Amex Gold Card click here.
For rates and fees of the Hilton Aspire, click here.
For rates and fees of the Marriott Bonvoy Brilliant card, click here.
For rates and fees of the Delta SkyMiles Platinum Amex, click here.
For rates and fees of the Blue Cash Preferred, click here.
Featured photo by Matthew Kane via Unsplash.
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