Credit Cards with Extended Warranty: A Comprehensive Guide

Credit cards with extended warranty can provide valuable protection for your purchases. Some cards offer up to 3 years of warranty extension, like the Chase Sapphire Preferred, which extends the manufacturer's warranty by 2 years.

This additional protection can be a lifesaver if you buy something that breaks or malfunctions shortly after purchase. The extended warranty can give you peace of mind and save you from costly repairs.

Not all cards offer extended warranty, so it's essential to research and compare different options before making a decision. The Citi Double Cash Card, for example, does not offer extended warranty, so it's crucial to consider other factors when choosing this card.

By choosing a credit card with extended warranty, you can enjoy added protection and security for your purchases, giving you more confidence in your buying decisions.

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To understand credit card warranties, you need to know that they typically mimic the original warranty's rules, exclusions, and standards. This means that the item must have an original U.S. warranty to qualify for an extended warranty.

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The length of extended coverage varies widely, from months to years, and the most generous policies offer two-year extensions of the original policy and any extended warranty you already purchased. In most cases, credit card extended warranties cover up to $10,000 per claim and $50,000 per account.

You can check your credit card's Guide to Benefits to see if you have an extended warranty. It's usually included in the physical copy that comes with your card, 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.

Here's a list of things you'll typically need to file an extended warranty claim:

Keep in mind that policies may vary by state, so be sure to read your card's benefits guide to understand how your extended warranty works in your state.

A warranty is a promise by a manufacturer to repair or replace a product that's faulty or defective. It's usually included with the purchase of an item.

Extended warranties, which are a type of warranty, can be provided by a credit card's network, such as Visa or Mastercard. The issuer decides which benefits to include on each card.

An extended warranty typically covers workmanship-related issues that shouldn't normally occur, reflecting the terms of most manufacturer's warranties.

Credit card extended warranties can be a lifesaver when you need to repair or replace a purchase. They typically mimic the original manufacturer's warranty, covering defects in workmanship but not accidental damage or normal wear and tear.

Most credit card issuers and networks provide clear details on exclusions, so you can easily find out what's not covered. Common exclusions include items without manufacturer's warranties, motorized vehicles, land and buildings, computer software, used and pre-owned items, and products purchased for commercial use or resale.

You can claim up to $10,000 per claim and $50,000 per account, depending on the card and benefits provider. The length of extended coverage varies widely, from months to years.

To make a claim, you'll need to contact the card company within a defined timeframe, usually 60 days, and provide documentation like a claim form, itemized purchase receipt, original warranty, and repair estimate from an authorized service provider.

Here's a quick rundown of what's typically covered and not covered by credit card extended warranties:

Keep in mind that policies may vary by state, so it's essential to read your card's benefits guide to understand how your extended warranty works in your state.

If you're wondering whether your credit card offers an extended warranty, the first place to check is your credit card's Guide to Benefits. A physical copy should have come with your card when you received it in the mail, but you can also access a digital copy or similar information by logging in to the issuer's online portal or mobile app.

You can also call the number on the back of your card to ask about the extended warranty. If you're curious about a card you don't already have, you may be able to find its Guide to Benefits by Googling the card name followed by "Guide to Benefits", or by exploring the credit card company's website.

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Some credit card issuers, like Discover, no longer offer extended warranties for new purchases, but those who made purchases on a Discover card before 2018 might still benefit from an extended warranty.

Here are some examples of card benefits from different issuers:

American Express is a great choice if you want extended warranty protection that typically applies to manufacturer warranties of up to five years.

If you're looking for a card with no annual fee, the Chase Freedom Flex℠ is a solid option.

Some issuers, like Discover, no longer offer extended warranties, but those who made purchases on a Discover card before 2018 might still benefit from an extended warranty.

Before applying for a card, call to find out how your extended warranty benefit might work, as not all issuers provide the same benefits for all cards.

The Chase Freedom Flex℠, Chase Sapphire Reserve, and Chase Ink Business Unlimited are examples of cards that offer extended warranties from Chase.

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Capital One's extended warranty benefit varies, but can range from 12 to 24 months, and can apply to warranties of up to 5 years.

Here's a breakdown of the extended warranty benefits offered by major issuers:

Keep in mind that even cards from the same issuer can vary in extended warranty benefits and availability, so be sure to read through your card's benefits guide.