Key Takeaways:
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Discover how credit cards with extended warranty coverage provide reassurance and financial protection for unexpected breakdowns or malfunctions even after the manufacturer’s warranty expires.
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Understand the steps involved in filing an extended warranty claim, from gathering the necessary documentation to following up with the credit card issuer, ensuring a smooth resolution for any covered issues with your purchases.
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Delve into a world where credit cards not only offer rewards but also safeguard your purchases, automatically extending warranty coverage to eligible items and transforming routine shopping into a worry-free experience.
What will you do when your newly purchased item breaks down just after its manufacturer’s warranty expires? Don’t worry; your credit card might offer additional coverage.
Imagine the relief of being reimbursed for repairs or replacements you thought you would have to pay out of pocket. In this guide, we’ll introduce you to the best extended warranty credit cards that provide unbeatable protection.
With the right credit card, you can protect yourself from unexpected surprises like trip delay/cancellation with travel insurance perks and theft/loss of a product with purchase protection. Having extra warranty and insurance coverage gives you peace of mind when life throws a curveball.
What is Extended Warranty Coverage?
Extended warranty coverage extends the protection provided by a manufacturer’s warranty on purchased items beyond the initial warranty period.
This extension typically mirrors the terms and conditions of the original warranty but may have additional limitations or claim procedures.
This coverage is an additional safeguard against defects or malfunctions, offering peace of mind to consumers.
Cardholders can access this benefit at no extra cost by using an eligible credit card for the purchase. Various retailers or service providers also offer extended warranty coverage as an optional purchase alongside the product.
It provides reassurance to buyers, ensuring they have continued protection for their valuable purchases even after the manufacturer’s warranty expires.
Eligible items must have a manufacturer’s warranty within a specified timeframe, usually two to five years.
However, certain purchases like boats, cars, and antiques are excluded.
Additionally, the extended warranty protection is usually secondary to any other existing warranty, requiring you to first file a claim with the manufacturer if applicable.
Major credit card networks like American Express, Visa, and Mastercard offer credit card extended warranty benefits, but not all cards from issuers utilize these networks to provide this coverage.
What is a Credit Card Extended Warranty?
A credit card extended warranty is a perk offered by some credit cards that extends the warranty coverage on eligible items purchased with the card beyond the manufacturer’s warranty period.
For instance, if a laptop comes with a one-year manufacturer’s warranty, a credit card with extended warranty coverage might extend that protection for an additional year, giving you two years of warranty.
So, if your laptop develops a covered issue during the second year, the credit card issuer will reimburse you for the cost of repair or replacement.
It’s an added benefit that provides consumers with extra protection and peace of mind while making purchases.
Coverage terms differ as some match the original warranty for a specific period, while others add extra time.
However, exclusions and maximum limits typically apply.
Remember that extended warranty protection encompasses various items, unlike cell phone protection exclusive to cell phones and offered by specific credit cards.
The Best Extended Warranty Credit Cards
Looking for added protection beyond standard warranties? Explore the following best credit cards for extended warranty.
These cards offer assurance and calmness by extending the coverage on eligible purchases, providing an extra layer of security against unexpected breakdowns or malfunctions.
Discover how their extended warranty benefits can safeguard your investments for longer periods.
After purchasing an item with a credit card offering extended warranty protection, make sure to retain certain documents, such as the original store receipt, credit card statement displaying the charge, and manufacturer’s warranty documentation.
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Chase Sapphire Preferred® Card
With extended warranty protection for an additional year on eligible purchases, the Chase Sapphire Preferred® Card stands out as one of the best extended warranty credit cards.
It provides peace of mind for expensive items, coupled with purchase protection and travel insurance perks.
Moreover, its generous rewards structure, including 3x points on dining, online grocery shopping (excluding Target, Walmart and wholesale clubs), and select streaming services and 5x total points on travel purchased through Chase travel, appeal to frequent travelers and food enthusiasts.
The card offers no foreign transaction fees, flexible redemption options with 1:1 point transfer to various leading travel programs and up to $50 each account anniversary year for hotel stays booked via Chase, enhancing its value further and making it a top choice for those seeking both protection and rewards.
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Citi Rewards+® Card
The Citi Rewards+® Card is an excellent no annual fee credit card with extended warranty due to its comprehensive 24 months of coverage on eligible purchases with a maximum coverage limit of $10,000.
It lets you enjoy unique rewards like rounding up to the nearest 10 points on every purchase and 10% points back on the first 100,000 ThankYou Points redeemed each year. You also earn 5x ThankYou points on hotels & car rentals booked via Chase portal and 2x on supermarkets and gas stations (for the first $6,000 per year).
Additionally, cardholders benefit from no annual fee, a generous welcome offer of bonus_miles_full
And introductory APR of intro_apr_rate,intro_apr_duration balance transfers and purchases, then reg_apr,reg_apr_type, making it a compelling choice for savvy shoppers.
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Capital One Venture Rewards Credit Card
This is an excellent option for Capital One extended warranty, offering additional protection at no charge on eligible items purchased with the card. The Capital One Venture Rewards Credit Card provides peace of mind and value with its simple rewards structure.
Cardholders can earn a welcome bonus of bonus_miles_full, 5x miles on hotels & rental cars booked through Capital One Travel, and 2x miles on all other purchases, making it appealing to frequent travelers.
Coupled with no foreign transaction fees and various other perks, it’s a versatile option for those seeking protection beyond the manufacturer’s warranty period and rewards in one package.
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Capital One Venture X Rewards Credit Card
Combining premium travel benefits with enhanced protection, the Capital One Venture X Rewards Credit Card excels as one of the best credit cards with extended warranty.
Cardholders can enjoy added peace of mind on eligible purchases, along with perks like cell phone protection and no foreign transaction fees.
With a annual_fees annual fee, you earn 10x miles on hotels & rental cars and 5x on flights booked through Capital One Travel, 2x on all other purchases, and an Anniversary Bonus of 10,000 miles.
Additionally, its Annual Travel Credit of $300, a welcome offer of bonus_miles_full, free access to over 1,300 airport lounges, and up to $100 credit for Global Entry/TSA PreCheck further elevate its value.
This Capital One Venture X Rewards Credit Card extended warranty card is a top choice for those seeking comprehensive coverage and rewards.
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American Express® Business Gold Card
Catering to the needs of business owners, the American Express® Business Gold Card offers an extended warranty feature for added protection on eligible purchases for an additional year.
With a annual_fees annual fee, cardholders also enjoy cell phone protection, valuable statement credits, and a welcome offer of bonus_miles_full
The card offers 4x points on your top 2 business expenses, including transit, U.S. restaurants, U.S gas stations, etc. (on up to $150,000 in eligible combined purchases each year) and 3x on flight & prepaid hotels.
Furthermore, its suite of business-friendly benefits, such as employee cards with spending limits and account management tools, enhances its appeal for entrepreneurs seeking American Express extended warranty and flexible rewards. Terms Apply*.
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Chase Freedom Unlimited®
Known for its simplicity and versatility, the Chase Freedom Unlimited® is one of the best extended warranty credit cards with no annual fee.
It provides cardholders additional protection on eligible purchases beyond the manufacturer’s warranty period. You can also enjoy flexible redemption options and various protections with it.
Cardholders will get welcome offer of bonus_miles_full
5% cashback on travel purchased through Chase, and 3% on dining & drugstore purchases. Moreover, its unlimited 1.5% back on all eligible purchases appeals to those seeking straightforward rewards without category restrictions.
Paired with no annual fee and intro_apr_rate,intro_apr_duration, then reg_apr,reg_apr_type on purchases and balance transfers, it’s a solid choice for those looking for a comprehensive Chase extended warranty and rewards on everyday spending.
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Citi Premier® Card
The Citi Premier® Card offers a compelling rewards package for cardholders at a annual_fees annual fee.
With an extended warranty feature, it provides maximum coverage of $10,000 per item for repairs, replacement, or reimbursement, ensuring protection beyond the manufacturer’s warranty period.
It adds 24 months to eligible warranties, double what most other credit cards provide.
You receive 3x points on restaurants, gas stations, hotels, air travel, and supermarkets.
Paired with no foreign transaction fees, a generous welcome bonus of bonus_miles_full
And flexible redemption, it’s a versatile option for those who want to earn transferable points and access one of the top extended warranty coverages without paying a high annual fee.
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Ink Business Preferred® Credit Card
Designed to the needs of businesses, the Ink Business Preferred® Credit Card offers an extended warranty feature to provide an additional year of protection on eligible purchases.
This benefit offers peace of mind for business-related expenses.
The card has an annual fee of annual_fees and provides perks like no foreign transaction fees and other protections. Additionally, you earn a welcome offer of bonus_miles_full
And 3x points on combined purchases in shipping, travel, advertising, and internet & phone services (on the first $150,000 spent in each year).
It appeals to small business owners looking to maximize rewards on everyday spending. Coupled with other business-friendly perks like employee cards and expense management tools, it’s an ideal choice for businesses seeking both extended protection and rewards.
| Credit card |
Uthrive rating
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Intro offer | Rewards rate | Annual fee | Learn more |
|---|---|---|---|---|---|
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Terms Apply |
Rating
4.8/5
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Intro Offer bonus_miles_full |
Reward Rates Up to 5x Points |
Annual Fees annual_fees |
|
|
Terms Apply |
Rating
4.4/5
|
Intro Offer bonus_miles_full |
Reward Rates 1x - 5x Points |
Annual Fees annual_fees |
|
|
Terms Apply |
Rating
4.7/5
|
Intro Offer bonus_miles_full |
Reward Rates Up to 5x Miles |
Annual Fees annual_fees |
|
|
Terms Apply |
Rating
4.7/5
|
Intro Offer bonus_miles_full |
Reward Rates Up to 10x Miles |
Annual Fees annual_fees |
|
|
Terms Apply |
Rating
4.8/5
|
Intro Offer bonus_miles_full |
Reward Rates 1x - 4x Points |
Annual Fees annual_fees |
|
|
Terms Apply |
Rating
4.8/5
|
Intro Offer bonus_miles_full |
Reward Rates 1.5%-5% Cashback |
Annual Fees annual_fees |
|
|
Terms Apply |
Rating
4.4/5
|
Intro Offer bonus_miles_full |
Reward Rates Up to 3x Points |
Annual Fees annual_fees |
|
|
Terms Apply |
Rating
4.7/5
|
Intro Offer bonus_miles_full (equals $1,250 for Chase travel) after qualifying purchases |
Reward Rates 1X - 3X points |
Annual Fees annual_fees |
How to File an Extended Warranty Claim?
The process of filing an extended warranty claim can be daunting, but understanding the steps involved can streamline the experience. Here is a clear roadmap for submitting your claim with confidence.
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Gather Necessary Documentation
Make sure to collect your original receipt, manufacturer’s warranty, credit card statement showing the purchase, and any relevant product details.
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Review the Terms
Understand the terms and conditions of your credit card’s extended warranty coverage to ensure your claim qualifies.
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Contact your Credit Card Issuer
Call the number on the back of your credit card to report the claim within the designated time frame.
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Submit your Claim
Provide all required documentation and information to support your claim, such as details of the issue and proof of attempted repair.
You can even submit a claim form online or mail a form with all necessary documentation.
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Follow up
Stay in communication with the issuer to track the progress of your claim and address any inquiries or requests for additional information.
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Await Resolution
Once your claim is processed, await the decision and any reimbursement or repair arrangements outlined in your credit card’s extended warranty policy.
Note – If the item is still under the manufacturer’s warranty, initiate the claim process directly with the manufacturer.
What is covered by credit card warranty?
Credit card extended warranties typically align with the coverage provided by the original manufacturer’s warranty.
For instance, if your credit card extends coverage for an additional year, items protected by the manufacturer against defects for one year will enjoy an extra 12 months of coverage through the extended warranty.
Items that qualify for extended warranty coverage are:
- Cellphones
- Computers
- Gaming consoles
- Small appliances
- Televisions
- Clothing
- Watches
- Luggage
- Certain jewelry pieces
It’s important to note that this is not a complete list but rather a few examples. For more specific details on coverage, contact your credit card issuer via phone or their website.
Most credit cards offering extended warranties provide up to $10,000 per claim and a maximum of $50,000 per cardholder.
Final Takeaway
With our love for shopping for the latest gadgets, it’s essential to explore this added layer of security.
Beyond the allure of rewards, top credit cards with warranty extensions automatically safeguard eligible purchases.
Whether it’s a broken gadget or an accident, these cards are here to keep your investments safe and make your shopping experience worry-free.
While extended warranty coverage may not be your primary reason for choosing a credit card, knowing which ones offer can be a game-changer!
FAQs
Do credit cards still offer extended warranty?
Yes, many credit cards still offer extended warranty protection as a benefit to cardholders, which provides additional coverage beyond manufacturer warranties on eligible purchases
How does credit card extended warranty work?
Credit card extended warranty works by extending the original manufacturer’s warranty on qualifying purchases, typically by adding a year to the coverage period for added protection against defects or malfunctions.
What is the best extended warranty company?
Determining the best extended warranty company depends on individual preferences, including coverage options, customer service, and cost.
Notable options include SquareTrade and Endurance Warranty Services. Make sure to research and compare coverage terms to help identify the most suitable choice.
Does Amex offer extended warranty?
Yes, American Express offers extended warranty protection on eligible purchases made with select cards, such as The Platinum Card® from American Express, American Express® Green Card, and American Express® Business Gold Card. They provide additional coverage beyond manufacturer warranties for added security.
Does Mastercard offer an extended warranty on purchases?
YES! MasterCard offers extended warranty protection on qualifying purchases made with eligible cards, extending the original manufacturer’s warranty for added coverage against defects or malfunctions.
What does extended warranty mean on a credit card?
Extended warranty on a credit card refers to additional coverage provided by the card issuer beyond the original manufacturer’s warranty on eligible purchases, offering cardholders peace of mind and protection against unexpected expenses.
Do Visa cards have extended warranty?
Some Visa cards come with extended warranty protection, extending the original manufacturer’s warranty on eligible purchases made with the card and providing additional coverage against defects or malfunctions.
Does credit card extended warranty cover refurbished items?
Credit card extended warranty coverage may vary, but generally, over 80% of cards cover refurbished items that have pre existing warranties. However, it’s essential to review the specific terms and conditions of your card’s extended warranty benefit for better clarity on coverage.
What if I just bought something with a card that doesn’t have extended warranty protection?
If a purchase is made with a credit card that lacks extended warranty protection, you will not have coverage beyond the original warranty. Consider utilizing cards with extended warranty benefits for future purchases to ensure additional protection.
Can you keep the item after you file an extended warranty claim?
After filing an extended warranty claim and receiving approval, you may be required to return the item for repair or replacement.
However, policies vary, and some issuers may allow you to keep the item after the claim is settled. So you must review your card’s terms & conditions.
