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Best credit cards with extended warranty benefits

This benefit enables you to forgo buying an extended store warranty and still save if something goes wrong

Summary

This valuable benefit offers extended protection on the original manufacturer’s warranty for purchases you make with that card.

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If you have an extended warranty feature on one of your credit cards, this valuable benefit offers extended protection on the original manufacturer’s warranty for purchases you make with that card. With it, you’ll be able to turn down an extended warranty through the store and still save if something happens.

Only select credit cards offer extended warranty protection. To find out whether your credit card has an extended warranty, call the number on the back of the card, refer to your credit card’s benefits guide or look on your mobile app. A quick search on the card issuer’s website can also help your find out if the credit card offers extended warranty protection.

See related: Credit cards with the best extended warranties and shopping protections

What is covered by this extended warranty protection?

Extended warranty protection generally extends the original manufacturer’s warranty by a year or two – as long as you put the entire purchase on your credit card. Commonly covered items include luggage, clothing, cell phones, computers, watches, some jewelry, game consoles and small appliances.

What is excluded from extended warranty protection?

Normal wear and tear, accidental or deliberate damage and loss of an item are generally not covered by extended warranty. Some items are also generally excluded, like boats or vehicles, motorized crafts, medical equipment, computer software, antiques and other pre-owned items or merchandise, living things, and goods that don’t come with a manufacturer’s warranty.

For a more specific list of exclusions, check your card’s benefits guide or contact your card issuer.

How to file an extended warranty claim

To file an extended warranty claim, complete a claim form through your card issuer. You’ll likely need to include additional information like the original store receipt, your credit card statement displaying the applicable purchase and documentation of the item’s manufacturer’s warranty. Depending on the issuer, you’ll be able to mail in the documentation or upload it through the online portal.

Which credit cards offer extended warranties?

Certain credit cards from American Express, Visa and Mastercard offer extended warranty benefits. Discover discontinued the benefit in 2018. Specific card issuers choose whether to opt in and offer this benefit on select cards, typically those that require a good or excellent credit score.

4 of the best credit cards with extended warranty protection

The Platinum Card® from American Express: Best for the luxury traveler

This standout card for cardholders with high credit scores boasts valuable extended warranty perks. It covers up to one additional year on a manufacturer’s warranty of five years or less, up to $10,000 per covered purchase and up to $50,000 per eligible account per calendar year – as long as the account is in good standing.

Though this card comes with a $550 annual fee, frequent travelers have many opportunities to make this back through generous rewards and a bevy of other benefits.

Cardholders earn 5 points per dollar on flights booked directly through airlines or with American Express Travel (for up to $500,000 per calendar year; after this cap, the rewards rate drops to 1 point per dollar) plus 5 points per dollar for prepaid hotels booked with American Express Travel. Cardholders also earn 1 point on other purchases when they use the card. This card also comes with complimentary Eats Pass from Uber, a $200 airline fee credit, $100 Global Entry or $85 TSA PreCheck statement credit every four years, shopping and travel protections, and concierge services.

Blue Cash Preferred® Card from American Express: Best for earning cash back

The Blue Cash Preferred covers up to one additional year on a manufacturer’s warranty of five years or less, up to $10,000 per covered purchase and up to $50,000 per account, per calendar year.

This card comes with a $95 annual fee (waived for the first year). Cardholders earn 6 percent back at U.S. supermarkets (caps at $6,000 spent per year, then reward rate is 1 percent) and on eligible U.S. streaming services, plus 3 percent cash back at gas stations in the U.S. The rewards rate is 1 percent back on all other purchases. It also comes with return and purchase protections, rental car insurance and a complimentary ShopRunner membership.

See related: Everything you need to know about American Express purchase protection

Chase Sapphire Preferred Card: Best for frequent travelers who enjoy flexible rewards

The Chase Sapphire Preferred Card extends an eligible warranty of three years or less for one year. This benefit applies to items up to $10,000 per claim and up to $50,000 per account.

This card comes with a $95 annual fee. You can earn 2 points per dollar at restaurants including eligible delivery services and 5 points on Lyft rides through March 2022. Also, earn 2 points per dollar on up to $1,000 in grocery store purchases through April 30, 2021. This includes eligible delivery services.

Your points are worth 25% more when you redeem them for travel. Cardholders also get a one-year DashPass subscription from DoorDash.

See related: How Chase paid to fix my wife’s broken Apple Watch

U.S. Bank Altitude™ Reserve Visa Infinite® Card: Best for mobile wallet enthusiasts

This tech-savvy card extends an original warranty one year for warranties that last 3 years or less. Coverage is up to $10,000 per claim, $50,000 per cardholder.

You’ll pay a $400 annual fee but it’s a great pick for spenders who rely on Apple Pay, Google Pay and Samsung Pay mobile-wallet apps. You’ll earn 3 points per dollar on purchases made through mobile wallets and eligible travel purchases, plus 3 points per dollar on dining and food delivery through June 30, 2021.

Cardholders also get up to $325 in annual statement credits for eligible travel purchases, up to $100 every four years for Global Entry or TSA PreCheck, free Priority Pass Select membership for airport lounges and 12 free inflight Gogo Wi-Fi sessions per year. Other travel perks include rental car waiver insurance, trip cancellation, delay and interruption protection, and loss of luggage benefits.

CardRewardsAnnual Fee
The Platinum Card from American Express
  • 5 points per dollar on flights booked directly with airlines or with American Express Travel
  • 5 points per dollar on eligible prepaid hotels booked with American  Express Travel
  • 5 points per dollar on up to $500,000 on these purchases per calendar year.
  • 1 point per dollar on general purchases
$550
Blue Cash Preferred Card from American Express
  • 6% cash back at U.S. supermarkets (up to $6,000 in purchases per year, then 1%)
  • 6% cash back on select U.S. streaming subscriptions
  • 3% cash back at U.S. gas stations and on transit
  • 1% cash back on general purchases
$95 (waived for the first year)
Chase Sapphire Preferred Card*
  • 2 points per dollar on travel and restaurants
  • 1 point per dollar general purchases
$95
U.S. Bank Altitude Reserve Visa Infinite Card*
  • 5 points per dollar on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
  • 3 points per dollar on eligible travel purchases and mobile wallet spending
  • 3 points per dollar on takeout, food delivery, and dining through 6/30/21
  • 1 point per dollar on general purchases
  • Points are worth 50% more when redeemed for travel
$400

Final thoughts

This benefit can save you money by allowing you to forgo purchasing an extended warranty. Even if your credit card has an annual fee, the savings might outweigh this cost if you regularly purchase an extended warranty.

If an item is faulty, it’s best to file a warranty claim in a timely manner. Claims should include a completed form, original purchase receipt and a copy of the item’s original manufacturer’s warranty. Be sure to check your credit card’s benefits guide for limitations and exclusions.

*All information about the U.S. Bank Altitude Reserve card and Chase Sapphire Preferred card has been collected independently by CreditCards.com and has not been reviewed or approved by the issuer.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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