How the extended warranty credit card feature works | finder.com
Credit Card Feature: Extended Warranty

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

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

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.

Compare credit cards

Name Product APR for Purchases (Purchase Rate) Intro APR for Balance Transfer Annual Fee
14.74%, 18.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 18.74% or 24.74% variable)
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
12.74%, 16.74% or 20.74% variable
0% for the first 18 months from account opening (then 12.74%, 16.74% or 20.74% variable)
$0
An 18-month 0% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
24.74% variable
$39
Designed to help build credit history with no deposit required and access to benefits.
23.9% variable
$75 annual fee for the first year ($99 thereafter)
With this card you get a 23.9% Variable APR.
19.74% to 25.74% variable
$0 to $99
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
$0
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
14.99% to 24.99% variable
0% for the first 12 statement closing dates (then 14.99% to 24.99% variable)
$0
Earn more cash back for the things you buy most.
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
$0
Earn $200 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 points when you spend $4,000 on purchases within the first 3 months of your account opening, and an additional 30,000 points when you spend a total of $30,000 on purchases within the first year of your account opening.
17.74% to 24.74% variable
$450
Earn 50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
14.74% to 24.74% variable
0% for the first 12 months (then 14.74% to 24.74% variable)
$95
15,000 Membership Rewards points after you spend $1,000 in the first 3 Months of opening your account
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.
17.74% to 24.74% variable
$95
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
14.74%, 20.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 20.74% or 24.74% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn 5% Cash back in bonus categories up to $1,500 every quarter. Earn 1% Cash back on all other purchases.
16.74% to 24.74% variable
$0
20,000 online bonus points offer. Ditch the restrictions of typical airline rewards cards. Any airline, any hotel, anytime. No blackout dates.
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
14.74%, 21.24% or 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.

Compare up to 4 providers

Pros and cons of an extended warranty

Pros

  • 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.

Cons

  • 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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Frequently Asked Questions

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Kyle Morgan

Kyle Morgan is a writer and editor for finder.com 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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Important Information*
Deserve® Classic Card
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APR

24.49
variable

Annual fee

0 For the first year
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Luxury Card Mastercard® Gold Card™
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16.74
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