Chase Sapphire Extended Warranty Benefits and Limitations

The Chase Sapphire extended warranty is a valuable perk that can provide extra protection for your purchases. This benefit can be added to eligible purchases made with your Chase Sapphire card.

To be eligible for the extended warranty, your purchase must be made with your Chase Sapphire card and the original manufacturer's warranty must be in effect. The extended warranty can cover repairs or replacements for up to 2 years after the original manufacturer's warranty expires.

You can get up to 2 years of additional warranty coverage on eligible purchases, depending on the manufacturer's warranty. This can give you peace of mind and protect your investment.

The extended warranty does not cover pre-existing conditions, so if your item had a problem before you purchased it, the warranty won't cover it.

To be eligible for Chase Sapphire's Extended Warranty Protection, the item must be purchased with the Chase Sapphire credit card or with rewards points redeemed from that credit card.

The benefit provides one additional year of coverage on an item with a store-provided or store-purchased dealer original warranty of three years or less.

If you purchase a laptop with your Chase Sapphire card, and the laptop manufacturer provides a three-year warranty, the Extended Warranty Protection benefit may provide an additional year of coverage.

You could be covered on eligible losses for a total of four years.

You have the option to register your purchase in advance by submitting a copy of the item's sales receipt and the manufacturer's warranty information to the Benefit Administrator.

Registration is not required, but it may help you use your Extended Warranty Protection if you need it in the near future.

The Chase Sapphire Extended Warranty Protection has some key limitations to keep in mind. Coverage is limited to the item's original price, excluding shipping and handling fees, up to a maximum of $10,000 per item.

Some purchases are excluded from coverage altogether, including motorized vehicles or their motors, equipment or accessories, computer software, medical equipment, used or pre-owned items, and items purchased for resale, professional or commercial use.

The maximum benefit amount per account is $50,000, so you can cover multiple items with a total value of up to $50,000. The benefit administrator will decide whether to have the item repaired or reimburse for repair/replacement, and coverage is limited to $10,000 per item.

Here are the excluded items in a list for easy reference:

The Chase Sapphire Extended Warranty Protection covers the cost to repair or replace an item, up to $10,000 per item, and a maximum of $50,000 per account.

Some purchases are excluded from coverage, including motorized vehicles, computer software, medical equipment, and used or pre-owned items.

The benefit administrator will decide whether to repair or replace the item, or reimburse for the repair or replacement cost.

Coverage is limited to the item's original price, excluding shipping and handling fees, and is an extension of the product's original warranty terms.

Here are some items that are not eligible for extended warranty coverage:

The maximum benefit amount per account is $50,000, and coverage is limited to $10,000 per item.

American Express extends manufacturers' warranties of 5 years or less by 1 year. This benefit can be very helpful when purchasing expensive items.

Capital One and Chase offer similar benefits, extending manufacturers' warranties of 3 years or less by 1 year. Each card has a claim limit of up to $10,000 and a total account limit of up to $50,000.

Citi extends manufacturers' warranties of 5 years or less by up to 24 months, for a maximum of 7 years total. This benefit has a claim limit of up to $10,000.

Here are some cards that offer extended warranty protection from various issuers:

Chase has a long list of cards that offer extended warranty protection, including the Chase Sapphire Preferred Card and the Chase Sapphire Reserve Card.

If you're considering the Chase Sapphire Preferred, you'll be happy to know it offers Extended Warranty Protection. This benefit extends eligible warranties of 3 years or less by 1 additional year.

The Chase Sapphire Preferred extended warranty covers the cardholder and any recipients of gifts purchased by the cardholder. This means if you buy a gift for someone, they'll also be covered under the warranty. Eligible items include those with a valid original manufacturer-written U.S. repair warranty of 3 years or less.

You can purchase eligible items outside the U.S. and still be covered, as long as they have a manufacturer-written U.S. repair warranty of 3 years or less, a store-purchased dealer warranty, or an assembler warranty. However, excluded items include motorized vehicles, items purchased for resale or commercial use, used or pre-owned items, and computer software.

To file a claim, you'll need to notify the Benefit Administrator within 90 days of the incident. You can do this by calling (888) 320-9961 or filing a claim online. Be sure to submit the completed claim and supporting documentation within 120 days of the item's failure.

You can remove the Chase Sapphire extended warranty from your account, but be aware that it's not a straightforward process.

The extended warranty is automatically removed when your original manufacturer's warranty expires, which is typically 3 years from the date of purchase.

If you want to remove the extended warranty earlier, you'll need to contact Chase customer service to initiate the process.

Chase may request proof of purchase or documentation to verify the warranty removal.

You have 90 days from the date your product fails to contact the Benefits Administrator to start the claim process.

You can contact the Benefits Administrator by phone at 1-800-874-7702 or online at cardbenefitservices.com.

To file a claim online, you'll need to provide some basic information about the product failure and may be asked to submit documentation such as a copy of your sales receipt and credit card account statement.

You'll receive a claim form during the process, which you should complete and return along with any required documents within 120 days of product failure.

The maximum amount you can claim is the original purchase price on your credit card receipt, minus shipping and handling, with a limit of $10,000 per claim and $50,000 per account.

Here's a list of documents you may be asked to provide:

The Chase Sapphire Extended Warranty offers 2 years of protection, but the original manufacturer's warranty typically only lasts 1 year.

This extended warranty can be purchased for a fee, which varies depending on the purchase price of the item.

You can add the warranty to your card account online, by phone, or in person at a Chase branch.

The warranty covers repairs or replacements for mechanical or electrical breakdowns, but it does not cover normal wear and tear.

Chase Sapphire cardholders can purchase the warranty for items purchased with their card, and it's available for a wide range of products, including electronics, appliances, and more.

The warranty is non-transferable, so it stays with the original purchaser.

The Chase Sapphire Extended Warranty Protection covers the cost to repair your item, the cost to replace the item with an item of like kind and quality, or the amount you originally charged to your covered card to purchase the item.

Coverage is limited to $10,000 per item and a maximum of $50,000 per account (for consumer cards) or $50,000 per year (for small business cards).

Some purchases are excluded from coverage, including motorized vehicles or their motors, equipment or accessories, costs other than those specifically covered under the terms of the original manufacturer's written U.S. repair warranty, items purchased for resale, professional or commercial use, rented or leased items, computer software, medical equipment, and used or pre-owned items.

Here are the specific exclusions:

Chase extended warranty covers the cost to repair your item, the cost to replace the item with an item of like kind and quality, or the amount you originally charged to your covered card to purchase the item.

The benefit administrator will decide whether to have the item repaired or reimburse for repair/replacement. Coverage is limited to $10,000 per item and a maximum of $50,000 per account (for consumer cards) or $50,000 per year (for small business cards).

Here are the specific details on what's covered:

And here's a breakdown of the limits:

If you're looking for credit cards with extended warranty coverage, you'll want to consider American Express, Capital One, Chase, and Citi cards. American Express extends manufacturers' warranties of 5 years or less by 1 year, with a limit of up to $10,000 per claim and $50,000 per account.

Capital One and Chase cards offer similar coverage, extending manufacturers' warranties of 3 years or less by 1 year, with a limit of up to $10,000 per claim and $50,000 per account. Citi cards, on the other hand, extend manufacturers' warranties of 5 years or less by up to 24 months, for a maximum of 7 years total, with a limit of up to $10,000 per claim.

Some Chase cards that offer extended warranty protection include the Chase Freedom Unlimited, Chase Freedom Flex, and Chase Sapphire Preferred Card. These cards may charge an annual fee, but there are also no-annual-fee options available.

Here are the details of extended warranty coverage for each issuer:

Using a credit card with purchase protections can save you thousands of dollars over the life of the card.

Making your purchase online, when possible, helps keep a record of your purchase should you need to track down previous orders or receipts for filing a claim.

Knowing what purchase protections your card may have can help you determine which card to use for a purchase that may need extended warranty coverage, like electronics or appliances.

The Chase Sapphire Reserve card's benefits, particularly its travel protections and purchase protections, have saved me thousands of dollars over the life of the card.

Utilizing these benefits has been worth it, considering that premium credit cards can have annual fees upwards of $700.