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Capital One extended warranties: How do they work?
Most Capital One cards come with this perk.
Extended warranties can offer peace of mind when you make purchases with your eligible card. Using this feature, you can get a warranty that matches or exceeds the warranty offered by a manufacturer on eligible purchases.
Capital One is a strong choice for this benefit, as it includes the feature with a wide variety of its products.
Does Capital One have extended warranties?
Yes. Capital One advertises extended warranties with the vast majority of its credit cards. These benefits come from Visa and Mastercard. Qualifying products include personal cards like the Capital One® Venture® Rewards Credit Card, and Capital One® Quicksilver® Cash Rewards Credit Card as well as most business credit cards.
How to use Capital One extended warranties
Here’s how to qualify for Capital One extended warranties:
- If you have a Visa card, you must make the entire purchase with that card. Mastercard terms say you must make the entire purchase with your card or the rewards you’ve accumulated with that card.
- In the event of product failure, call your benefit administrator at the number in your card’s guide to benefits to report it. If you don’t have your guide to benefits, call the number on the back of your card and ask Capital One support to redirect you. Report the product failure within 60 days, or your claim may be denied.
- Submit your claim form along with additional documentation your benefit administrator might require. Your benefit administrator should inform you of the submission deadline. If not, you can find it in your card’s guide to benefits.
Additional information to submit with your claim form
Additional documentation typically includes, but isn’t limited to:
- The receipt for your purchase.
- Your credit card statement showing you made the purchase with your card.
- A copy of the original manufacturer’s US warranty.
- A repair order or estimate.
Capital One extended warranty policy
Your Capital One extended warranty policy will vary depending on whether you have a Visa or Mastercard.
Capital One Visa extended warranty policy
Your Visa policy doubles the original warranty, with a maximum of one additional year, for each original manufacturer’s warranty of three years or less.
You’re covered up to the original price of the item, minus shipping and handling. The maximum coverage per claim is $10,000 and the maximum per cardholder is $50,000.
Capital One Visa extended warranty policy
Your Mastercard policy doubles an eligible item’s original warranty, up to 12 months, on most purchases.
You’re covered up to the lesser of $10,000 or the amount you charged to your Mastercard.
Watch out for ineligible purchases
Unfortunately, not every purchase is eligible for an extended warranty. Certain items will be excluded, varying depending on whether you have a Visa or Mastercard. Here are a few examples of ineligible items:
- Motorized vehicles
- Used items
- Exclusions listed in the original warranty
- Items you buy for commercial use
For a full list of exclusions, consult your card’s guide to benefits.
Compare Capital One credit cards with extended warranties
Capital One advertises extended warranties with the following cards — that is, it lists the benefit on these products’ application pages. Other cards from the provider may offer the feature depending on your card account.
Who gets to use Capital One extended warranties?
You’re eligible for extended warranties if you have a valid, US-issued Capital One card.
You’ll find extended warranties with most Capital One credit cards, including the majority of its business cards. This benefit can really come in handy, and it costs nothing extra to use.
However, if a Capital One card doesn’t fit your needs, consider other cards that offer extended warranties.
Frequently asked questions
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