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Capital One extended warranties: How do they work?

Most Capital One cards come with this perk.

Updated

Fact checked

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.

The information in this guide covers typical Visa and Mastercard policies offered by Capital One. However, details in your specific policy might vary, which you can confirm in your card’s guide to benefits.

How to use Capital One extended warranties

Here’s how to qualify for Capital One extended warranties:

  1. 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.
  2. 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.
  3. 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
  • Software
  • 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.

Name Product Filter values Rewards Purchase APR Annual fee
Capital One® Platinum Credit Card
N/A
22.99% variable
$0
A no-annual-fee card for average credit. Earn a higher credit line after five on-time payments.
Capital One® Venture® Rewards Credit Card
5x miles on Uber Eats and 2x miles on all purchases
17.24%, 21.99% or 24.49% variable
$95
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
Capital One® VentureOne® Rewards Credit Card
5x miles on Uber Eats and 1.25x miles on all purchases
0% intro for the first 12 months (then 15.49%, 21.49% or 25.49% variable)
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Capital One® Quicksilver® Cash Rewards Credit Card
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.49%, 21.49% or 25.49% variable)
$0
This no-annual-fee 1.5% cashback card offers of intro APR on purchases. No foreign transaction fees set this card apart.
Capital One® QuicksilverOne® Cash Rewards Credit Card
1.5% cash back on all purchases
22.99% variable
$39
Get unlimited 1.5% cash back on every purchase with no limit on how much you can earn, and no changing categories.
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Who gets to use Capital One extended warranties?

You’re eligible for extended warranties if you have a valid, US-issued Capital One card.

Bottom line

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.

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