7 Best Credit Cards for Extended Warranty Protection (and How It Works)
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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.
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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.
- No annual fee: Chase Freedom Flex℠ (Review)
- General travel: Chase Sapphire Preferred® Card (Review)
- Premium travel: The Platinum Card® from American Express (Review)
- Cash back: Blue Cash Preferred® Card from American Express (Review)
- Dining: American Express® Gold Card (Review)
- Business: Capital One Spark Cash Plus
- Business travel: The Business Platinum Card® from American Express (Review)
Enrollment required for select benefits; terms and limitations apply.
Chase Freedom Flex℠
- Min. credit levelGood
- Annual Fee$0
- Purchase APR0% Intro APR on Purchases for 15 months, then 14.99% - 24.74% Variable
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 3% cash back on dining at restaurants, including takeout and eligible delivery services
- 3% cash back on drugstore purchases
- 5% cash back on travel purchased through Chase Ultimate Rewards®, and 1% on all other purchases.
- 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% - 24.74%.
- No annual fee
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APR0% for 15 months
- Regular Balance Transfer APR14.99% - 24.74% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeSee Terms
- Returned Payment FeeSee Terms
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee3% of each transaction in U.S. dollars
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.
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Chase Sapphire Preferred® Card
- 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®.
- Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
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Bonus restrictions
You are ineligible for this bonus if you have a Sapphire card, or you’ve received a new cardmember bonus for any Sapphire card in the past 48 months.
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR15.99% - 22.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeSee Terms
- Returned Payment FeeSee Terms
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee$0
The Platinum Card® from American Express
- Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
- Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
- $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
- American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
- $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
- $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
- $695 annual fee.
- Terms Apply.
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APRSee Rates & Fees
- Late FeeUp to $40
- Returned Payment FeeUp to $40
- Additional Cards Annual Fee$175 for first 3; then $175 per card
- Foreign Transaction FeeNone
American Express is a Credit Card Insider advertiser.
Blue Cash Preferred® Card from American Express
- Min. credit levelGood
- Annual Fee$0 introductory annual fee for the first year, then $95
- Purchase APR0% on purchases for 12 months, then 13.99% - 23.99% Variable
- Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Terms Apply.
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR13.99% - 23.99% Variable
- Balance Transfer FeeN/A
- Penalty APR29.99% Variable
- Late FeeUp to $40
- Returned Payment FeeUp to $40
- Additional Cards Annual Fee$0
- Foreign Transaction Fee2.7% of each transaction after conversion to US dollars
American Express is a Credit Card Insider advertiser.
American Express® Gold Card
- Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
- Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
- Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APRSee Rates & Fees
- Late FeeUp to $40
- Returned Payment FeeUp to $40
- Additional Cards Annual Fee$0 for the first 5, then $35 each
- Foreign Transaction FeeNone
American Express is a Credit Card Insider advertiser.
Capital One Spark Cash Plus
- Min. credit levelGood
- Annual Fee$150
- Purchase APRNot Applicable - Paid in Full Monthly
- Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
- Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
- Earn an annual $200 cash bonus every year you spend $200,000 or more
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- Add employee cards for free, and earn unlimited 2% cash back from their purchases
- $150 annual fee
- Spark Cash Plus has no APR because your balance is due in full every month
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APRN/A
- Late Fee2.99% of unpaid portion
- Returned Payment FeeN/A
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeN/A
The Business Platinum Card® from American Express
- Min. credit levelGood
- Annual Fee$595 ($695 if application is received on or after 1/13/2022)
- Purchase APRSee Pay Over Time APR
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APR29.24% Variable
- Late Fee$39 or 2.99% of any past due Pay in Full amount, whichever is greater.
- Returned Payment Fee$39
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
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.
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.
- Min. credit levelExcellent
- Annual Fee$95
- Purchase APR0% for 12 months, then 13.99%–23.99% Variable
- Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
- Earn 50% more points: Make 30 or more purchases with your Card in a billing period and get 50% extra points on those purchases less returns and credits. Terms and limitations apply.
- 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
- You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com.
- 0% intro APR on purchases for 12 months, then a rate of 13.99%–23.99% Variable, based on your creditworthiness and other factors.
- Terms and limitations apply.
- Visit our credit card partner’s site in order to learn more and securely apply for The Amex EveryDay® Preferred Credit Card from American Express
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APR29.99% Variable
- Late FeeUp to $40
- Returned Payment FeeUp to $40
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee2.7%
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.
- Min. credit levelExcellent
- Annual Fee$150
- Purchase APRSee Pay Over Time APR
- Earn 30,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months.
- Earn 3X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
- Earn 3X Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours.
- Earn up to $100 in annual statement credits to help you get through security faster with CLEAR®.
- Earn up to $100 in annual statement credits to access 750+ airport lounges globally through LoungeBuddy.
- No Foreign Transaction Fees.
- $150 Annual Fee.
- Terms Apply.
- See Rates & Fees
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APRSee Rates & Fees
- Late FeeUp to $40
- Returned Payment FeeUp to $40
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
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.
- Min. credit levelGood
- Annual Fee$0
- Purchase APR0% for 15 billing cycles, then 13.99%–23.99% Variable
- No annual fee
- $200 cash rewards bonus for spending $1,000 in the first 90 days
- NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
- Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
- You can update your choice category for future purchases once each calendar month using the Mobile Banking app or Online Banking, or do nothing and it stays the same
- No expiration on rewards
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99%–23.99% Variable APR will apply. A 3% fee (min $10) applies to balance transfers
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APR0% for 15 billing cycles
- Regular Balance Transfer APR13.99%–23.99% Variable
- Balance Transfer Fee3%, $10 minimum
- Penalty APRUp to 29.99% Variable
- Late FeeUp to $40
- Returned Payment FeeUp to $29
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee3%
- Min. credit levelGood
- Annual Fee$0
- Purchase APR0% for 12 billing cycles, then 13.99%–23.99% Variable
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
- 25,000 bonus points for spending $1,000 in the first 90 days after account opening
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
- Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
- Comes with chip technology for enhanced security and protection at chip-enabled terminals
- 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 13.99%–23.99% Variable APR will apply
- If you’re a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR13.99%–23.99% Variable
- Balance Transfer Fee3%, $10 minimum
- Penalty APRUp to 29.99% Variable
- Late FeeUp to $40
- Returned Payment FeeUp to $29
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
- Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
- If you’re a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
- No limit to the points you can earn and your points don’t expire
- Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill Edge® and Merrill Lynch® accounts, or gift cards or purchases at the Bank of America Travel Center
- Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
- No Foreign Transaction Fees
- Low $95 annual fee
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR15.99%–22.99% Variable
- Balance Transfer Fee3%, $10 minimum
- Penalty APRUp to 29.99% Variable
- Late FeeUp to $40
- Returned Payment FeeUp to $29
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
- Min. credit levelGood
- Annual Fee$0
- Purchase APR0% intro on purchases for 15 months, then 14.99% - 24.99% Variable
- One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 14.99%-24.99% variable APR after that
- $0 annual fee and no foreign transaction fees
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APR0% intro on balance transfers for 15 months
- Regular Balance Transfer APR14.99% - 24.99% Variable
- Balance Transfer Fee3%
- Penalty APRNone
- Late FeeUp to $40
- Returned Payment FeeN/A
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
- Min. credit levelGood
- Annual Fee$0
- Purchase APR0% intro on purchases for 15 months, then 14.99% - 24.99% Variable
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 14.99% - 24.99% variable APR after that
- No foreign transaction fee
- No annual fee
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APR0% intro on balance transfers for 15 months
- Regular Balance Transfer APR14.99% - 24.99% Variable
- Balance Transfer Fee3%
- Penalty APRNone
- Late FeeUp to $40
- Returned Payment FeeN/A
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
| Spending Rewards |
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| Introductory Bonus |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR15.99% - 24.99% Variable
- Balance Transfer Fee$0
- Penalty APRN/A
- Late FeeUp to $39
- Returned Payment FeeSee Terms
- Additional Cards Annual Fee$0
- Foreign Transaction FeeNone
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.
- Min. credit levelGood
- Annual Fee$0
- Purchase APR0% intro on purchases for 15 months, then 14.99% - 24.99% Variable
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 14.99% - 24.99% variable APR after that
| Spending Rewards |
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| Introductory Bonus |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APR0% intro on balance transfers for 15 months
- Regular Balance Transfer APR14.99% - 24.99% Variable
- Balance Transfer Fee3%
- Penalty APRNone
- Late FeeUp to $40
- Returned Payment FeeNone
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
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.
- Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
- Earn unlimited 2X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- No foreign transaction fees
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| Introductory Bonus |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR15.99% - 23.99% Variable
- Balance Transfer Fee$0 at this Transfer APR
- Penalty APRNone
- Late FeeUp to $40
- Returned Payment FeeN/A
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
- Min. credit levelGood
- Annual Fee$0
- Purchase APR0% Intro APR on Purchases for 15 months, then 14.99% - 24.74% Variable
- $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
- 3% cash back on dining at restaurants, including takeout and eligible delivery services
- 3% cash back on drugstore purchases
- 5% on travel purchased through Chase Ultimate Rewards®
- Unlimited 1.5% cash back on all other purchases
- 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% - 24.74%.
- No annual fee
| Spending Rewards |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APR0% for 15 months
- Regular Balance Transfer APR14.99% - 24.74% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeSee Terms
- Returned Payment FeeSee Terms
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee3% of each transaction in U.S. dollars
- Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
- Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
- With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
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| Introductory Bonus |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR16.99% - 23.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeSee Terms
- Returned Payment FeeSee Terms
- Additional Cards Annual Fee$75
- Foreign Transaction Fee$0
- Min. credit levelExcellent
- Annual Fee$0
- Purchase APR0% Intro APR on Purchases for 12 months, then 13.24% - 19.24% Variable
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
| Spending Rewards |
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| Introductory Bonus |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR13.24% - 19.24% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeSee Terms
- Returned Payment FeeSee Terms
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee3% of each transaction in U.S. dollars
- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
| Spending Rewards |
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| Introductory Bonus |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR15.99% - 20.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeSee Terms
- Returned Payment FeeSee Terms
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeN/A
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.
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.
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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.
