The American Express Platinum card extended warranty benefit adds up to 1 year to the warranty on items purchased with either an American Express Platinum card or rewards points.
The benefit covers items with a manufacturer’s warranty of 5 years or less. American Express will reimburse a cardholder up to $10,000 per item and $50,000 annually. Reimbursement covers the cost for either the repair or replacement of a covered item, whichever is less. It’s important to note that the American Express Platinum card changed its extended warranty terms on January 1, 2020. Previously, the benefit added two years to an item’s warranty. Items purchased with the American Express Platinum card through December 31, 2019 are still covered under the original benefit.
To file an American Express Platinum card extended warranty claim, call (800) 228-6855 within 30 days of a covered loss. You can also file and submit claims online at americanexpress.com/onlineclaim. You’ll need to return the claim form and any supporting documents within 60 days of the loss. Once the claim is substantiated, you’ll receive payment within 30 days of the receipt of all documentation. There are some items that are not covered, so make sure to refer to the American Express Platinum card Extended Warranty Benefit Guide.
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.
No, Discover doesn’t offer an extended warranty anymore; the benefit was discontinued on February 28, 2018, along with several other secondary benefits. Discover cards no longer have extended warranties, purchase protection, travel accident insurance, return protection or rental car insurance. Discover is the only major credit card company to lack all of those perks. And it’s currently the only one without an extended warranty plan.… read full answer
The best remaining Discover card benefits are no annual fees and no foreign transaction fees on any of their cards. Discover also allows you to freeze your account on demand, which prevents new charges from being placed on the card if it’s been lost or stolen. Discover also has a “Cashback Match” feature where they will match all of the rewards you earn in your first year.
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