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An extended warranty is a credit card feature offered by Visa, Mastercard, Discover and American Express that will match and exceed the length of a manufacturer’s warranty on eligible purchases. Purchases that typically do not have a manufacturer’s warranty would not be eligible for an extended warranty.
The extended warranty from your credit card will take place after the manufacturer’s warranty ends, given that it is less than five years. Once a claim is submitted, it is at the credit card companies discretion if they will repair or replace your purchase — they also have the option to reimburse you.
The extended warranty will not cover anything extra that wasn’t covered by the manufacturer’s warranty. Claims will be dismissed for purchases with damages such as normal wear and tear, flood, inflicted or natural disaster.
While many issuers offer extended warranties, this perk isn’t universal. Also, even if a bank offers this benefit, it might do so only with select cards. Check a card’s application page for the benefit before applying.
| Issuer | Offers extended warranties? | Length of extended warranty |
|---|---|---|
| American Express |  | Up to 1 year |
| Bank of America | | Up to 1 year |
| Barclaycard |  | N/A |
| Capital One | | Up to 1 year |
| Chase | | Up to 1 year |
| Citi | | Up to 2 years |
| Discover | | N/A |
| U.S. Bank | | Up to 1 year |
| USAA | | Up to 1 year |
| Wells Fargo | | Up to 1 year |
American Express extended warranties apply to original warranties of five years or less. Your coverage will be extended by up to one additional year.
Extended warranties apply to most Amex cards, but they don’t apply to these products:
Amex used to provide extended warranties up to two years, but it lowered this protection at the start of 2020.
Bank of America doubles the original manufacturer’s warranty up to one additional year on eligible items. The issuer advertises the benefit for only select cards, but you might find extended warranties depending on your product and your account.
Here are the credit cards Bank of America currently advertises extended warranties for:
Barclaycard has removed extended warranties from all of its credit cards. Previously, the issuer extended warranties for up to an additional year with select products.
Capital One advertises extended warranties through Visa and Mastercard with most of its credit cards. Your original manufacturer warranty will be doubled — up to a maximum of 12 months — on eligible items.
Even if Capital One doesn’t advertise the benefit for your card, your account may be equipped with the feature. Contact Capital One support to confirm your account’s details.
Here are the cards Capital One advertises extended warranties for:
For more information, check out our guide to Capital One extended warranties.
You’ll find Chase extended warranties with most of the issuer’s personal cards and all of its business cards. If you purchase an eligible item with an original warranty of three years or less, you’ll receive up to one additional year of coverage.
Chase advertises extended warranties with the following cards. As usual, note that your card may or may not have the benefit depending on your account.
Around half a dozen Citi cards have extended warranties, even after the provider removed purchase and travel protections from most of its products. You’ll receive up to two additional years of coverage on eligible items, which is superior to the policies you’ll find with other issuers.
These are the cards Citi currently offers extended warranties for:
Discover no longer offers extended warranties. It discontinued this benefit on February 28, 2018.
On eligible items, your U.S. Bank policy doubles your original warranty up to one additional year. There may be limitations on how long the original warranty can be — for example, one or three years.
USAA’s Universal Guide to Benefits lists extended warranties as a benefit. On eligible items, you’ll get one additional year added to original manufacturers’ warranties of three years or less.
The following cards are currently in USAA’s roster. Keep in mind benefits may vary between cards and accounts. If you’re in doubt, contact USAA support and ask a representative to confirm your benefits.
Read more at our guide to USAA extended warranties.
Your Wells Fargo policy doubles your original warranty up to one additional year. There may be limitations on how long the original warranty can be — for example, one or three years.
You’ll find extended warranties with these cards:
If your card is equipped with extended warranties and you use it to buy an eligible item, you’re covered by this benefit.
Typically, an extended-warranty policy doubles the original manufacturer’s warranty up to one year. An issuer might offer both Visa and Mastercard products, whose extended-warranty policies might differ.
You’ll usually be covered for up to $10,000 per item. Your policy may cap the maximum you can claim per year — often up to $50,000.
Extended warranties are an easy to overlook but useful feature of many credit cards, so make sure to take advantage of them when you have the chance – particularly on electronics and other valuables. Combine this warranty with a rewards credit card for even more value on your purchase.
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