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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.
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
- 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.
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|
|Capital One||Up to 1 year|
|Chase||Up to 1 year|
|Citi||Up to 2 years|
|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:
- 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
- Journey® Student Rewards from Capital One®
- Capital One® Secured Mastercard®
- Walmart Rewards™ Mastercard®
- Capital One® Spark® Cash for Business
- Capital One® Spark® Miles for Business
- Capital One® Spark® Cash Select for Business
- Capital One® Spark® Miles Select for Business
- Capital One® Spark® Classic for Business
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.
- 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
- USAA® Preferred Cash Rewards Visa Signature® Card
- USAA® Rate Advantage Visa Platinum® Card
- USAA Military Affiliate Visa Signature® Card
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:
- Wells Fargo Propel American Express® Card
- Wells Fargo Visa Signature® Card
Credit cards with extended warranties
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.
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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