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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% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% 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.
Southwest Rapid Rewards® Premier Credit Card
2x points on Southwest Airlines and 1x points on all other purchases
15.99% to 22.99% variable
Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months.
Southwest Rapid Rewards® Priority Credit Card
2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases
15.99% to 22.99% variable
Earn 40,000 points after you spend $1,000 in the first 3 months of account opening.
Southwest Rapid Rewards® Plus Credit Card
2x points on Southwest Airlines and 1x points on all other purchases
15.99% to 22.99% variable
Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open.
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
2x miles on eligible American Airlines purchases, at gas stations and restaurants and 1x miles on all other purchases
15.99% to 24.99% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months. All information about this card has been collected independently by Finder.

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.

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