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.
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
Peace of mind. You won’t have to worry about buying a separate warranty if you are planning to pay for it with one of your credit cards.
Easy to access. Many rewards and premium credit cards now come with complimentary extended warranty on eligible purchases.
Fine print. Be sure to check with your lender to see if the product is covered under the terms and conditions. But if the purchase is eligible, you will get coverage for at least 12 months after the purchase.
What to avoid with an extended warranty
Not knowing the terms and conditions – It is important for you to know when and where your extended warranty applies, and if you have any questions you should go directly to your lender to sort any doubts on its usage.
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.
Offers extended warranties?
Length of extended warranty
Up to 1 year
Bank of America
Up to 1 year
Up to 1 year
Up to 1 year
Up to 2 years
Up to 1 year
Up to 1 year
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:
Blue Cash Everyday® Card from American Express
American Express Cash Magnet® Card
Amex EveryDay® Credit Card
Blue from American Express® Card
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:
Bank of America® Premium Rewards® Credit Card
Susan G. Komen® Cash Rewards Visa®
MLB® Credit Card
World Wildlife Fund Credit Card
U.S. Pride® Credit Card
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:
Capital One® Platinum Credit Card
Capital One® Venture® Rewards Credit Card
Capital One® VentureOne® Rewards Credit Card
Capital One® Quicksilver® Cash Rewards Credit Card
Capital One® Savor® Cash Rewards Credit Card
Capital One® SavorOne® Cash Rewards Credit Card
Capital One® QuicksilverOne® Cash Rewards Credit Card
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.
Chase Freedom Unlimited®
Chase Freedom Flex℠
Chase Freedom® Student Credit Card
Chase Sapphire Preferred® Card
Chase Sapphire Reserve®
Southwest Rapid Rewards® Plus Credit Card
Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Priority Credit Card
United℠ Explorer Card
United Club℠ Infinite Card
British Airways Visa Signature® Card
Aer Lingus Visa Signature® Credit Card
Iberia Visa Signature® card
Disney® Premier Visa® Card
Disney® Visa® Card
Starbucks Rewards™ Visa® Card
Amazon Prime Rewards Visa Signature Card
AARP® Credit Card from Chase
Ink Business Unlimited℠ Credit Card
Ink Business Cash℠ Credit Card
Ink Business Preferred® Credit Card
United℠ Business Card
Southwest Rapid Rewards® Performance Business Credit Card
Southwest Rapid Rewards® Premier Business Credit Card
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:
Citi Prestige® Credit Card
Citi Premier® Card
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
American Airlines AAdvantage MileUp℠ Card
Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Business Card
AT&T Access Card from Citi
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.
U.S. Bank Altitude® Reserve Visa Infinite® Card
U.S. Bank Cash+™ Visa Signature® Card
U.S. Bank Visa® Platinum Card
U.S. Bank FlexPerks® Gold American Express® Card
U.S. Bank Secured Visa® Card
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.
USAA® Rewards™ American Express® Card
USAA® Rewards™ Visa Signature® Card
USAA® Cashback Rewards Plus American Express® Card
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.
Frequently Asked Questions
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.
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.
In most cases, the card owner and authorized users are covered by the extended warranty.
Kyle Morgan is a writer and editor for Finder who has worked for the USA Today network and Relix magazine, among other publications. He can be found writing about everything from the latest car loan stats to tips on saving money when traveling overseas. He lives in Asbury Park, where he loves exploring new places and sipping on hoppy beer. Oh, and he doesn't discriminate against buffalo wings — grilled or fried are just fine.
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