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Chase extended warranty: How does it work?

Most Chase credit cards offer extended warranties.

Chase offers extended warranties with most of its personal credit cards and all of its business cards. These include the Chase Freedom Unlimited® credit card, the Chase Sapphire Preferred® Card, most cobranded airline cards, the Ink Business Preferred® Credit Card and more.

Having this perk can give you peace of mind as it means getting a warranty that meets or exceeds what’s offered by the manufacturer.

What is Chase extended warranty?

As the name suggests, extended warranty perk extends the warranties of items you buy with an eligible Chase credit card. Your warranty can be extended by one additional year if the original warranty is less than three years. If the original warranty is more than three years, having this perk won’t make much of a difference.

The extension length is in line with most card providers that offer this perk. The only exception is Citi where the warranty is extended by two years.

How to use Chase extended warranties

Here’s how to activate your Chase extended warranty policy:

  1. Charge at least a portion of an eligible item to your valid Chase credit card, or use your Chase rewards. Keep the receipt. If your item qualifies, your extended warranty will apply automatically — no registration required.
  2. If there’s a product failure within the extended warranty period, contact your benefit administrator within 90 days.
  3. Answer the representative’s questions and note the documents and information you must submit.
  4. Complete and sign the extended warranty claim form. Return it, along with other requested information, to the benefit administrator within 120 days of the product failure.

To qualify for this perk, your name has to be on an eligible, US-issued card.

How much am I covered for?

You’re covered up to the original price of the item, minus shipping and handling.
The maximum coverage is $10,000 per claim and $50,000 per account.

Are there any purchases that aren’t covered?

Your Chase extended warranty doesn’t apply to certain purchases, including:

  • Motorized vehicles such as boats and automobiles, as well as their equipment.
  • Costs that aren’t covered by the original manufacturer’s warranty.
  • Items you buy for resale, or for commercial or professional use.
  • Leased or rented items.
  • Computer software.
  • Medical equipment.
  • Pre-owned or used items.

Refurbished items qualify if they’re not used or pre-owned, and if they come with warranties.

Compare Chase credit cards with extended warranties

Name Product Filter values Rewards Purchase APR Annual fee
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Chase Freedom Flex℠
5% cash back on up to $1,500 combined in quarterly categories you activate, 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Ink Business Unlimited® Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.

Compare up to 4 providers

Bottom line

If you’re looking for extended warranties, you’ll find many Chase credit cards with the benefit. You’ll find attractive per-item and per-account maximums, which can be helpful if you make expensive purchases. Just make sure your purchases qualify for extended warranties.

If a Chase card isn’t right for you, consider other credit cards that come with extended warranties.

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