Compare and learn how an extended warranty with your credit card works

What is an extended warranty?

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.

How does an extended warranty work?

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.

What do I need to make an extended warranty claim?

• The item must be purchased with your credit card.
• Some credit card companies require you to register your item with them.
• Show proof of purchase and your credit card receipt proving you used your card to pay for the item.
• If you purchased any additional coverage, you will have to provide proof of that as well as the manufacturers warranty.
• If you cancel the card you used for the purchase, the extended warranty will also be voided.
• Fill out a claims form that your credit card company will provide.

How to compare extended warranties

• Coverage period. Extended warranties can range from one year to five years. If the purchase is something that you’ll want to have around for a few years, it is smart to choose a card with a longer coverage period.
• Deductibles. You will most likely need to pay a certain amount for each extended warranty insurance claim.
• Claim process. Insurers all have similar processes as to how you can claim extended warranty insurance, but some may be more complicated than others. When you apply for your credit card, inquire about the steps involved.
• Limits. The liabilities for claims usually have a limit on the amount you claim within a year.
• Processing period. Some claims can be filed and credited within a week, while others can take a up to a few months.

Pros and cons of an extended warranty

Which issuers offer extended warranties?

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

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 extended warranties

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 extended warranties

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 extended warranties

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.

Chase 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.

Citi extended warranties

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 extended warranties

Discover no longer offers extended warranties. It discontinued this benefit on February 28, 2018.

U.S. Bank extended warranties

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 extended warranties

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.

Wells Fargo 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:

Credit cards with extended warranties

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
Chase Freedom Flex℠			5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 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)	$0	Apply now View details	Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.	Compare	loading Fetching your data...
Southwest Rapid Rewards® Premier Credit Card			2x points on Southwest Airlines and 1x points on all other purchases	15.99% to 22.99% variable	$99	See offer View details	Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months.	Compare	loading Fetching your data...
Southwest Rapid Rewards® Priority Credit Card			2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases	15.99% to 22.99% variable	$149	See offer View details	Earn 40,000 points after you spend $1,000 in the first 3 months of account opening.	Compare	loading Fetching your data...
Southwest Rapid Rewards® Plus Credit Card			2x points on Southwest Airlines and 1x points on all other purchases	15.99% to 22.99% variable	$69	See offer View details	Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open.	Compare	loading Fetching your data...
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®			2x miles on eligible American Airlines purchases, at gas stations and restaurants and 1x miles on all other purchases	15.99% to 24.99% variable	$0 intro annual fee for the first year ($99 thereafter)	View details	Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months. All information about this card has been collected independently by Finder.	Compare	loading Fetching your data...
Capital One® Secured Mastercard®			N/A	26.99% variable	$0	View details	Get access to a higher credit line after making your first 5 monthly payments on time.	Compare	loading Fetching your data...
Walmart Rewards™ Mastercard®			5% back at Walmart.com, 5% in-store with Walmart Pay for the first 12 months (then 2%), 2% on restaurants and travel and 1% on all other purchases	17.99%, 23.24% or 26.99% variable	$0	View details	5% back at Walmart.com, 5% on in-store purchases made with Walmart Pay for the first 12 months after approval. After the introductory period, you’ll earn 2% back on in-store purchases.	Compare	loading Fetching your data...
Citi Prestige® Credit Card			5x points on flights and dining, 3x points on hotels and cruises and 1x points on all other purchases	16.99% to 23.99% variable	$495	View details	Earn 50,000 points after spending $4,000 in the first 3 months. All information about this card has been collected independently by Finder.	Compare	loading Fetching your data...
Citi Premier® Card			3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else	15.99% to 23.99% variable	$95	Apply now View details	Earn 60,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.	Compare	loading Fetching your data...

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Who gets to use this perk?

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.

Bottom line

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.

Frequently Asked Questions

• Can I extend the extended warranty insurance for up to 24 months?

  This depends on the terms and conditions of your extended warranty insurance. Generally, if your warranty is under 5 years then it should be possible.

• Are there credit cards with travel insurance and extended warranty insurance?

  It is common for high annual fee and reward credit cards to have both travel insurance and warranty insurance. To check, please read the our reviews on the particular credit card you’re interested in.

• Who is eligible for extended warranty coverage?

  In most cases, the card owner and authorized users are covered by the extended warranty.