The American Express extended warranty benefit adds up to 2 years to the warranty on items purchased with an American Express credit card or with Amex rewards. Amex matches the original warranty if shorter than 2 years, and adds 2 years to any original warranty of between 2 and 5 years.
Amex’s extended warranty covers cardholders for up to $10,000 per item and $50,000 per year. Amex will pay to repair or replace an item, whichever is less expensive. All American Express cards have the extended warranty benefit, and the coverage is the same for all of them.
Keep in mind that some items are excluded. The list is in your benefits guide.
If your item breaks during the extra 2-year warranty period, you can file an American Express extended warranty claim. First, notify Amex of the incident within 30 days. The phone number is 1-800-225-3750. Then, within 60 days of Amex sending you a claims form, return the signed version. Also include any supporting documentation that may be necessary. Amex will reimburse you for the loss within 30 days after they receive all the necessary info. For items that don’t come with a warranty, Amex offers purchase protection. It reimburses you for items you buy with your card that are damaged or stolen. You’re covered for 120 days after the purchase date.
The Visa credit card extended warranty adds one year to eligible items with a U.S. manufacturer warranty of three years or less. You’re covered for the original price of the item, up to $10,000 per claim and $50,000 per cardholder. If you purchased the item in full with a valid Visa Signature or Visa Infinite card, you are eligible for this benefit.… read full answer
Some of the best cards in the Signature lineup include the Capital One Venture, Quicksilver, and Spark Cash Business cards; and the USAA Rewards and Preferred Cash Rewards Signature cards. The Chase Sapphire Reserve and The Ritz-Carlton Rewards Credit Card are among the top Infinite cards.
Basically, you’ll either go online or call 1 (800) 551-8472 to file your claim. You must file within 60 days from when your item fails, or your claim may be denied. Send receipts, warranty documentation, and an item description and serial number within 90 days.
A Benefit Administrator will decide to replace or repair your item. If they go the repair route, they will refer you to an authorized repair facility. They will pay the repair facility directly, or you can pay the facility for the repair and file a claim for reimbursement.
If all goes as planned, you’ll be reimbursed within five business days of receipt of all required documents. You’ll be reimbursed for no more than the original purchase price of the item. The reimbursement is less any shipping and handling fees for replaced or repaired items.
All is not covered under Visa’s Extended Warranty Protection, however. Items not covered include cars, boats, aircraft and other motorized vehicles. Real estate, resale or used items, and computer software are also not covered.
The Visa credit card extended warranty offers a second benefit known as Warranty Registration. You’ll register your item by sending the Benefit Administrator your sales receipt(s) and warranty information. When you file a claim, you won’t have to waste any time searching for those documents, as they will already be on file with the Benefit Administrator.
Blue Cash Everyday’s benefits include $100,000 in travel accident insurance, $50,000 in rental car insurance, $50,000 in purchase protection and $15,000 in extended warranties. They come at no extra cost to you. Other Blue Cash Everyday benefits include a $150 statement credit when you spend $1,000 in the first 3 months, a 0% APR for the first 15 months, and a $0 annual fee.… read full answer
But those aren’t the only Blue Cash Everyday benefits. There are a few more, plus some important details you should be aware of.
Here are the Blue Cash Everyday benefits:
Up to $100,000 in travel accident insurance : Covers you, your spouse and your dependent children in the event of death or serious injury while traveling with a common carrier (bus, plane, ship, etc.). You must pay for the entire fare of each person with your card to qualify.
Up to $50,000 in rental car insurance: Cars you rent using Blue Cash Everyday are insured against theft, damage, towing and loss of use charges. The cardholder and authorized users are eligible. You must decline the rental agency’s insurance.
Extended warranty worth up to $15,000 per year: Amex matches the original warranty of items you buy with your card, up to a maximum of one year. The original warranty must be for 5 years or fewer. The value of the coverage is up to $10,000 per item.
Up to $1,000 in return protection each year: You can get reimbursed for up to $300 per item that you buy and try to return but are unable to. You must make your request within 90 days of purchase.
Up to $50,000 in purchase protection each year: When something you buy with your card breaks or is stolen within 90 days, Amex may give you up to $1,000 per item as compensation.
$150 statement credit: Spend $1,000 in your first 3 months to get this bonus.
0% APR for 15 months: For both purchases and balance transfers. There is a 3% balance transfer fee.
24/7 roadside assistance: 24/7 hotline that will send someone to help you out if you’re stranded. They can change your tire, jump your battery and more. You have to pay for the services, though.
Free ShopRunner membership: Get free 2-day shipping on items from 140+ stores.
As you can see, there is a long list of Blue Cash Everyday benefits. And to top it off, you don’t have to pay anything for them. One downside of the card is that it isn’t great for going abroad. There’s a 2.7% foreign transaction fee.
Blue Cash Everyday requires good credit for approval, so you’ll want a score of 700+ before you apply.
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