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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.
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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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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.

IssuerOffers 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
Up to 1 year
Up to 2 years
U.S. Bank
Up to 1 year
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
  • 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 Platinum Secured Credit Card
  • Walmart Rewards™ Mastercard®
  • Capital One® Spark® Cash for Business
  • Capital One Spark Miles for Business
  • Capital One Spark 1.5% Cash Select
  • 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 Premier® Card
  • Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
  • American Airlines AAdvantage MileUp℠ Card

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

1 - 5 of 8
Name Product Filter values Rewards Purchase APR Annual fee
Chase Freedom Flex℠
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
5% cash back on travel purchased through Chase Ultimate Rewards®
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, 1% cash back on all other purchases.
0% intro for the first 15 months (then 17.24% to 25.99% variable)
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Reserve®
5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards, 3x points on other travel after earning your $300 travel credit, 10x points on Lyft rides, 10x points on Chase Dining through Ultimate Rewards, 3x points on other dining and 1x points on all other purchases
19.24% to 26.24% variable
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example 60,000 points are worth $900 toward travel
Chase Sapphire Preferred® Card
5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel
18.24% to 25.24% variable
Earn 60,000 points after spending $4,000 in the first 3 months. That's worth $750 when you redeem through Chase Ultimate Rewards.
United℠ Explorer Card
2x miles on dining, hotel stays and United® purchases and 1x miles on all other purchases
18.74% to 25.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Southwest Rapid Rewards® Premier Credit Card
3x points on Southwest® purchases, 2x points on local transit and commuting, including rideshare, 2x points on internet, cable, phone services, and select streaming
18.24% to 25.24% variable
New Offer: Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months.

Compare up to 4 providers

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

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