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

An extended warranty can get extra coverage for your purchases and could come in handy if you have a problem.

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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.
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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


  • 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.
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Compare credit cards with purchase protection

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 14.49% to 25.49% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
CardMatch™ from
See terms
See issuer's website
See terms
Can't decide on a card? Get personalized credit card offers with CardMatch™.
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.49% to 25.49% variable)
6% cash back at US supermarkets. Rates & fees
American Express® Gold Card
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
See Rates & Fees
Earn 4x points at restaurants worldwide. Rates & fees
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
17.49% to 24.49% variable
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.

Compare up to 4 providers

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

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