Skip to content
RATING

7 Best Credit Cards for Extended Warranty Protection (and How It Works)

Updated Jun 17, 2021 | Published Nov 30, 20207 min read

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

At a glance

Credit card extended warranty protection extends the coverage period of an eligible product’s manufacturer’s warranty. Policy terms can vary by card, issuer, and network, but typically include a $10,000 per-claim limit and at least a year of extra coverage on manufacturer warranties at least a year long.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

What Is an Extended Warranty?

Though they seldom take the spotlight, credit card shopping protections can prove exceptionally useful.

The extended warranty is an excellent example.

In the world of credit cards, an extended warranty is a common shopping benefit that extends an eligible item’s manufacturer warranty by a preset period of time. The terms of an extended warranty — how long it lasts, the coverage amount, etc. — can vary by card and by financial institution.

Extended warranty coverage doesn’t usually encompass things like accidental damage or normal wear and tear (these things may be covered by purchase protection, however). It’s mainly used to cover workmanship-related issues that shouldn’t ordinarily occur, reflecting the terms of most manufacturer’s warranties.

So, an example: If you drop your smartphone and crack the screen, that’s on you. Your extended warranty won’t (usually) help. But if your smartphone camera stops working out of the blue despite the phone’s otherwise good condition, you’re probably covered, as long as you’re still within the coverage period.

Extended warranties are often provided by a credit card’s network (Visa, Mastercard, etc.) rather than its issuer, although the issuer ultimately decides which benefits to include on each card.

How Do You Know if Your Credit Card Offers an Extended Warranty?

To find out whether your credit card has an extended warranty, check your credit card’s Guide to Benefits. A physical copy should’ve come with your card when you received it in the mail, but you may be able to access a digital copy or similar information by logging in to the issuer’s online portal or mobile app, too, depending on the issuer.

If you’d prefer to check by phone, you could always call the number on the back of your card to ask (browse issuer contact information here if your card’s not handy).

Curious about a card you don’t already have? You may be able find its Guide to Benefits by Googling the card name followed by “Guide to Benefits,” or by simply exploring the credit card company’s website.

How Do You Use a Credit Card’s Extended Warranty?

First, an important point: In order to qualify for a credit card’s warranty coverage, the item must have been purchased with that card. Beyond that, the key to filing an extended warranty claim is paperwork. You’ll typically need three things, though more documentation may be requested:

  • A copy of the original receipt for the item you bought
  • The item’s manufacturer warranty information
  • The credit card statement for the period during which you purchased the item

Depending on the provider, you might be able to register your purchase on the benefit administrator’s website right when you purchase it. Doing so would be wise — that way, you can send over the above information while it’s still on hand, and you won’t be left scrambling to find it if something goes wrong with the product down the line.

If you didn’t already register your product, then consult your card’s Guide to Benefits for further instruction (more about how credit card benefits work here), and to ensure whether the situation in question is actually covered. You’ll usually start by contacting your benefit administrator, and they’ll provide you with forms to fill out. You’ll then have to submit the requested information, likely alongside the above documentation.

Once everything’s been submitted, the benefit administrator will determine whether your product qualifies for reimbursement. Assuming it does, it’ll typically be replaced or repaired by an authorized service provider.

Insider tip

Extended warranty perks can typically be used by both the primary cardholder and any authorized users.

What’s Covered By a Credit Card Extended Warranty?

Extended warranties tend to encompass the same coverages (more or less) as the item’s manufacturer’s warranty, with occasional variations depending on the card and/or the benefit provider. That’s really the point — the benefit takes the existing warranty and makes it last longer.

So, in general, defects in workmanship are covered, but things like accidental damage and normal wear and tear are not.

As for the types of products that qualify for coverage, the list includes basically anything that’s not outright excluded. Most credit card issuers and networks who provide these warranties make exclusions clear, so the details for your particular card shouldn’t be hard to find.

Common exclusions include (but aren’t limited to):

  • Items that don’t come with manufacturer’s warranties
  • Motorized vehicles, including cars, boats, and aircraft
  • Land and buildings
  • Computer software
  • Used and pre-owned items
  • Products purchased for commercial use or resale

What Makes a Good Extended Warranty?

With extended warranties, you’ll seldom see much variation between policies. Most simply extend manufacturer warranties; nothing more, nothing less. But there are at least a few key traits you should consider:

  • Coverage amount: Extended warranty benefits typically set a clear per-product coverage limit. For the Chase Freedom Flex℠ (Review) and Chase Freedom Unlimited® (Review), for example, cardholders can get up to $10,000 in coverage per item, and up to $50,000 per account. That’s about normal; anything more would be excellent.
  • Coverage length: Most extended warranties provide one extra year, but you may find others that provide more.
  • Manufacturer warranty limit: With some issuers, like Chase, your product will usually only qualify for extended warranty coverage if the manufacturer’s warranty offered coverage for three years or less. Any longer than that and you’re out of luck. Other issuers, like American Express, allow initial warranties that last up to five years.
Quick Guide

Extended Warranty vs. Purchase Protection vs. Return Protection vs. Cell Phone Protection

Because they’re all somewhat related in terms of function and terminology, it’s easy to get extended warranty coverage mixed up with other credit card shopping benefits — particularly purchase protection, price protection, and cell phone protection.

It’s important to know the differences between these four perks if you think you’ll get a lot out of them:

  • Extended warranty: Extends the existing manufacturer’s warranty; doesn’t usually cover accidental damage.
  • Purchase protection: Offers protection from accidental damage, theft, and/or loss (depending on the card), usually for around 90–120 days after the date of purchase.
  • Return protection: Allows you to get reimbursement for products in situations where you may not ordinarily be able to, like if you want to make a return a few days past the retailer’s typical return window.
  • Cell phone protection: Provides insurance-like damage and theft protection when you pay the applicable device’s phone bill with your eligible credit card.

Extended Warranty Policies By Network and Issuer

Issuers and networks often have different policies with respect to the benefits they provide. Extended warranty coverage is no exception.

We’ve outlined typical policies by card network and issuer below. Just remember that using a credit card from one of the providers listed doesn’t necessarily mean you have an extended warranty — availability can still vary by card.

Company Coverage Policy Claim Limit Phone Website
American Express Covers up to one additional year on manufacturer’s warranties of five years or less Up to $10,000 per covered purchase, up to $50,000 per eligible account per calendar year 1-800-228-6855 American Express Online Claim Form
Bank of America Varies by card See Guide to Benefits See Guide to Benefits See Guide to Benefits
Capital One Varies by card See Guide to Benefits See Guide to Benefits See Guide to Benefits
Chase Covers up to one additional year on manufacturer’s warranties of three years or less Up to $10,000 per covered purchase, up to $50,000 per eligible account per calendar year 1-800-874-7702 Chase Online Claim Form
Citi No longer available N/A N/A N/A
Discover No longer available N/A N/A N/A
Mastercard Doubles the original manufacturer’s warranty of up to a maximum of 24 months Up to $10,000 per covered purchase 1-800-627-8372 Mastercard Online Claim Form
Visa Doubles the original manufacturer’s warranty for warranties under a year; adds another year for manufacturer warranties up to three years Up to $10,000 per covered purchase, up to $50,000 per eligible account per calendar year 1-800-551-8472 Visa Online Claim Form
Wells Fargo Varies by card See Guide to Benefits See Guide to Benefits See Guide to Benefits

What Are the Best Credit Cards With Extended Warranties?

Extended warranty protection is one of the more common credit card shopping benefits. You’ll find it packaged with everything from fairly basic flat-rate cash back cards to premium airline cards.

We’ve listed some of our favorites below. Notably, you’ll see a lot of American Express, since its extended warranty benefit typically applies to manufacturer warranties of up to five years. That’s quite a bit longer than the usual three.

Enrollment required for select benefits; terms and limitations apply.

Chase Freedom Flex℠

Apply Now

securely on the issuer's website

Chase Freedom Flex℠
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR14.99% - 23.74% Variable

The information related to Chase Freedom Flex℠ has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Key Features

  • Extended warranty terms: Up to one additional year on manufacturer’s warranties of five years or less; up to $10,000 per covered purchase, up to $50,000 per eligible account per calendar year
  • Annual fee: $0
  • Introductory bonus: $200 bonus for spending $500 in the first 3 months
  • Rewards: 5% back on travel purchased through Chase Ultimate Rewards, Lyft rides (through March 2022); 5% back in rotating categories, up to $1,500 spent each quarter; 3% back at restaurants and drugstores; 1% back on everything else
  • Other benefits: Purchase protection, cell phone protection, car rental insurance, trip interruption insurance, free DoorDash membership, Shop through Chase, Chase Offers

Chase Sapphire Preferred® Card

Apply Now

securely on the issuer's website

Chase Sapphire Preferred® Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$95
  • Regular APR15.99% - 22.99% Variable

Key Features

  • Extended warranty terms: Up to one additional year on manufacturer’s warranties of five years or less; up to $10,000 per covered purchase, up to $50,000 per eligible account per calendar year
  • Annual fee: $95
  • Introductory bonus: 100,000 bonus points for spending $4,000 in the first 3 months from account opening
  • Rewards: 5X points on Lyft rides (through March 2022); 2X points for travel and restaurants; 1X point on everything else
  • Other benefits: Luxury Hotel & Resort Collection, 25% Chase Ultimate Rewards travel redemption bonus, purchase protection, various travel protections, free DoorDash membership

The Platinum Card® from American Express

The Platinum Card® from American Express
  • Min. credit levelGood
  • Annual Fee$695
  • Regular APRSee Pay Over Time APR

Rates & Fees

American Express is a Credit Card Insider advertiser.

Key Features

  • Global Lounge Collection: Enroll for complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges.
  • Up to $200 in annual Uber Cash: Add your Platinum card to the Uber App to get up to $15 in Uber Cash per month, plus a bonus $20 in December; U.S. Eats orders and rides only.
  • $200 hotel credit: Get up to $200 in statement credits each year for prepaid hotels booked through The Hotel Collection and Fine Hotels & Resorts; must pay with the Platinum card.
  • $300 Equinox credit: Pay with your Platinum card to get up to $300 in statement credits annually with Equinox (up to $25 per month), for Equinox All Access, Destination, E by Equinox, or Equinox+ membership fees.
  • $240 digital entertainment credit: Pay with your Platinum card to get up to $240 in statement credits annually for digital entertainment (up to $20 per month), only for eligible purchases from Peacock, Audible, SiriusXM, and The New York Times.
  • CLEAR credit: Up to $179 in statement credits annually for CLEAR biometric security, enough for a membership.
  • Uber Eats Pass: Get unlimited $0 delivery fees and 5% off orders at eligible restaurants for 12 months; must enroll by 12/31/21. Taxes and service fees may apply and do not count toward the order minimum. Eats Pass will start auto-billing 12 months from enrollment, at then-current monthly rate. Learn more.
  • Uber VIP status: Add your Platinum card to the Uber App to get Uber VIP status where available.
  • Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 once every four and a half years)
  • Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
  • The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
  • Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties
  • $100 annual Saks credit: Up to $100 in statement credits each year for Saks Fifth Avenue: $50 from January through June, and $50 from July through December
  • Global Dining Access by Resy: Resy provides access to exclusive reservations and dining experiences.
  • Point transfer: To a selection of airline and hotel loyalty programs
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $695

Enrollment required for select benefits; terms and limitations apply.

The Platinum Card® from American Express (Rates & Fees)

Blue Cash Preferred® Card from American Express

Apply Now

securely on the issuer's website

Blue Cash Preferred® Card from American Express
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0 introductory annual fee for the first year, then $95
  • Regular APR13.99% - 23.99% Variable

Rates & Fees

American Express is a Credit Card Insider advertiser.

Key Features

  • Amex Offers: Find offers for extra cash back at a changing selection of merchants.
  • $120 Equinox+ Credit: Get up to $10 per month for a stand-alone monthly membership to the Equinox+ app. Will not apply if you purchase the membership through the Equinox app or a third party.
  • ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
  • Shopping protections: Return Protection, Extended Warranty, Purchase Protection
  • Travel protections: Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Purchase APR: 0% for 12 months, then 13.99% - 23.99% Variable
  • Annual fee: $0 introductory annual fee for the first year, then $95

Enrollment required for select benefits; terms and limitations apply.

Blue Cash Preferred® Card from American Express (Rates & Fees)

American Express® Gold Card

American Express® Gold Card
  • Min. credit levelGood
  • Annual Fee$250
  • Regular APRSee Pay Over Time APR

Rates & Fees

American Express is a Credit Card Insider advertiser.

Key Features

  • $120 annual dining credit: Earn up to $10 in statement credits per month for purchases at eligible restaurants and food delivery services.
  • Point transfer: To airline and hotel loyalty programs, like JetBlue, Southwest, Marriott, and Hyatt
  • Up to $120 in Uber Cash: Add the Gold Card to the Uber App to get up to $10 in Uber Cash per month; U.S. Eats orders and rides only.
  • Uber Eats Pass: Get unlimited $0 delivery fees and 5% off orders at eligible restaurants for 12 months; must enroll by 12/31/21. Taxes and service fees may apply and do not count toward the order minimum. Eats Pass will start auto-billing 12 months from enrollment, at then-current monthly rate. Learn more.
  • The Hotel Collection: Provides up to $100 in credits for every eligible hotel stay of two nights or more, along with other perks.
  • Amex Offers: Find discounts and extra point opportunities at a changing selection of merchants (offers are limited; enrollment required).
  • ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
  • No foreign transaction fee
  • Annual fee: $250

Enrollment required for select benefits; terms and limitations apply.

American Express® Gold Card (Rates & Fees)

Capital One Spark Cash for Business

Apply Now

securely on the issuer's website

Capital One Spark Cash for Business
Apply Now

securely on the issuer's website

  • Min. credit levelExcellent
  • Annual Fee$0 intro for first year; $95 after that
  • Regular APR20.99% (Variable)

The information related to Capital One Spark Cash for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Key Features

  • Extended warranty terms: Varies based on benefits tier
  • Annual fee: $0 intro for first year; $95 after that
  • Introductory bonus: $500 cash bonus for spending $4,500 in the first 3 months
  • Rewards: 2% cash back for every purchase
  • Other benefits: Quarterly and year-end summaries, downloadable purchase records, unlimited free employee cards, various shopping and travel protections

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express
  • Min. credit levelGood
  • Annual Fee$595
  • Regular APR14.24% - 22.24% Variable

Rates & Fees

The information related to The Business Platinum Card® from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Key Features

  • Extended warranty terms: Covers up to one additional year on manufacturer’s warranties of five years or less; up to $10,000 per covered purchase, up to $50,000 per eligible account per calendar year
  • Annual fee: $595
  • Introductory bonus: 100,000 bonus points for spending $15,000 on eligible purchases within the first 3 months of Card Membership
  • Rewards: 5X points on flights booked directly through airlines, and on both flights and prepaid hotels booked through Amex Travel; 2X points on other eligible travel expenses booked through Amex Travel; 1.5X points on eligible purchases of $5,000 or more, up to 1 million extra points per calendar year; 1X point on everything else
  • Other benefits: Airport lounge access via the Global Lounge Collection, up to $200 annually in airline fee statement credits, various elite hotel statuses, various shopping and travel protections

The Business Platinum Card® from American Express (Rates & Fees)

Other Great Credit Cards With Extended Warranties

As mentioned earlier, extended warranties are common among mainstream credit cards. This is merely an abridged selection, but all the cards you see below are solid offers all around, with extended warranties to boot.

Apply Now

securely on the issuer's website

Amex EveryDay® Preferred Credit Card
Apply Now

securely on the issuer's website

  • Min. credit levelExcellent
  • Annual Fee$95
  • Regular APR13.99%–23.99% Variable

The information related to Amex EveryDay® Preferred Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Apply Now

securely on the issuer's website

American Express® Green Card
Apply Now

securely on the issuer's website

  • Min. credit levelExcellent
  • Annual Fee$150
  • Regular APRSee Pay Over Time APR

Rates & Fees

American Express is a Credit Card Insider advertiser.

The information related to American Express® Green Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Apply Now

securely on the issuer's website

Bank of America® Customized Cash Rewards Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR13.99%–23.99% Variable
Apply Now

securely on the issuer's website

Bank of America® Travel Rewards Credit Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR13.99%–23.99% Variable
Apply Now

securely on the issuer's website

Bank of America® Premium Rewards® Credit Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$95
  • Regular APR15.99%–22.99% Variable
Apply Now

securely on the issuer's website

Capital One Quicksilver Cash Rewards Credit Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR15.49% - 25.49% Variable
Apply Now

securely on the issuer's website

Capital One SavorOne Cash Rewards Credit Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR15.49% - 25.49% Variable

The information related to Capital One SavorOne Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Apply Now

securely on the issuer's website

Capital One Savor Cash Rewards Credit Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$95
  • Regular APR15.99% - 24.99% Variable

The information related to Capital One Savor Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Apply Now

securely on the issuer's website

Capital One VentureOne Rewards Credit Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR15.49% - 25.49% Variable

The information related to Capital One VentureOne Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Capital One Venture Rewards Credit Card
  • Min. credit levelGood
  • Annual Fee$95
  • Regular APR17.24% - 24.49% Variable
Apply Now

securely on the issuer's website

Chase Freedom Unlimited®
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR14.99% - 23.74% Variable
Apply Now

securely on the issuer's website

Chase Sapphire Reserve®
Apply Now

securely on the issuer's website

  • Min. credit levelExcellent
  • Annual Fee$550
  • Regular APR16.99%-23.99% Variable
Apply Now

securely on the issuer's website

Ink Business Cash® Credit Card
Apply Now

securely on the issuer's website

  • Min. credit levelExcellent
  • Annual Fee$0
  • Regular APR13.24% - 19.24% Variable
Apply Now

securely on the issuer's website

Ink Business Preferred® Credit Card
Apply Now

securely on the issuer's website

  • Min. credit levelExcellent
  • Annual Fee$95
  • Regular APR15.99%-20.99% Variable
Apply Now

securely on the issuer's website

Wells Fargo Cash Wise Visa® card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR14.49%-24.99% Variable
Wells Fargo Propel American Express® card
  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR14.49%-24.99% Variable
Was this helpful?

For rates and fees of the American Express® Gold Card, please click here.

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

For rates and fees of The Business Platinum Card® from American Express, please click here.

Written by

Sean Messier

Sean Messier works to empower individuals with the knowledge required to use credit cards responsibly and to their advantage. His writing- and research-based background has granted him experience in an array of topics, from finance to business and beyond. Sean distills the knowledge accumulated over years of experience in the credit space into consistent, actionable articles, guides, and reviews.

Do you have a correction, tip, or suggestion for a new post? Contact us here.

The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered.

Scroll to top