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Mastercard extended warranty: Do I get this perk?

Certain issuers may offer it with Mastercard products.

Extended warranties can provide reimbursement in the event of product failure. While Mastercard doesn’t list extended warranties as an automatic benefit with its Standard, World or World Elite cards, certain issuers may offer the feature with their Mastercard products.

This article covers extended warranties issued by Mastercard. Citi is an issuer of select Mastercards that are equipped with the benefit, but its policies are different. For information, check out our guide to Citi extended warranties.

How to use Mastercard extended warranties

Follow these steps to activate and use Mastercard extended warranties:

  1. Make your purchase entirely with your Mastercard or your card’s rewards program.
  2. In the event of product failure, report it by calling 800-MASTERCARD within 60 days. A representative will give you further instructions, including where to return your claim form.
  3. Within 180 days of the product failure, return the claim form along with other required information.

While this is a common Mastercard policy, your card issuer may have different rules. You may also need to call a different number to reach your benefit administrator — like for Citi cards, for example.

Check your card’s guide to benefits for this information. If you don’t have the guide to benefits, call the support number on the back of your card.

What to include with your claim

Besides your claim form, Mastercard may ask you to submit the following information:

  • Receipt for your purchase.
  • Statement showing you made the purchase with your Mastercard or eligible rewards program.
  • Original US manufacturer warranty, or if applicable, additional warranties.
  • Itemized repair estimate from a provider authorized by the original factory.
  • Other documentation the benefit administrator asks from you.

Mastercard extended warranty policy

Your Mastercard policy doubles an eligible item’s original warranty for a maximum of 24 months. It applies only if the original warranty is 24 months or less. The maximum reimbursement you can receive is the lesser of $10,000 or the amount you charged to your Mastercard.

Items ineligible for extended warranties

While Mastercard extended warranties apply widely, they only cover some items. Here are examples of exclusions:

  • Used items
  • Antique items
  • Collectible items
  • Floor models that don’t have original warranties
  • Motorized vehicles, such as boats, aircraft, motorcycles and automobiles
  • Land
  • Buildings
  • Permanently installed fixtures, items or structures
  • Plants, shrubs, pets, animals, perishables and consumables
  • Professional services
  • Software
  • Media with music or stored data
  • Shipping, delivery or transportation charges
  • Exclusions listed in the original warranty
  • Interest or conversion fees

There are also certain instances in which extended warranties don’t apply — for example, mechanical failure due to lack of maintenance, physical damage to the item and natural disasters.

Compare Mastercard credit cards with extended warranties

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 14.99% to 23.74% 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
16.99% to 23.99% variable
Earn a huge signup bonus worth $750 toward travel when redeemed through Chase Ultimate Rewards with Chase’s premier card.
Chase Sapphire Preferred® Card
5x points on travel through Chase Ultimate Rewards, 3x points on dining and 2x points on all other travel purchases
15.99% to 22.99% variable
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards.

Compare up to 4 providers

Who gets to use Mastercard extended warranties?

You’re eligible for extended warranties if you buy a new item with your Mastercard or through the card’s rewards program — and if the item has an original warranty of 24 months or less.

Bottom line

Mastercard doesn’t list extended warranties as a normal benefit with its Standard, World or World Elite cards. However, it does offer the benefit with select cards depending on the issuer. Card issuers may also offer Mastercard products with the feature, even if it may not be administered by Mastercard.

If a Mastercard product doesn’t suit your needs and you want this benefit, consider comparing other cards with extended warranties.

Frequently asked questions

What other purchase benefits does Mastercard offer?
Mastercard offers zero liability protection with all of its cards. World and World Elite Mastercards offer cell phone protection as a standard benefit.

What extended warranties will I find with other providers?
Providers such as Amex, Bank of America, Chase and Citi offer extended warranties with specific cards.

What extended warranties does Visa offer?
Visa offers extended warranties standard with its Signature and Infinite products.

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