Does Capital One Journey Card offer an extended warranty?

No, Credit One does not offer an extended warranty on credit cards. It’s worth noting that the majority of major card issuers continue to offer extended warranty protection on at least one of their credit cards.

Even though Credit One doesn’t offer any credit cards with extended warranty coverage, all Credit One cards still have zero liability fraud protection and the possibility of cash back rewards. If you’re set on finding a card with good extended warranty coverage, though, consider checking out the Chase Freedom Unlimited® card or the Capital One Savor Cash Rewards Credit Card instead.... read full answer

Capital One purchase protection covers things you purchase entirely with your Capital One card from theft or damage for the first 90 days after the purchase (for Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply). They will replace, repair or reimburse you up to the original purchase price. The maximum amount per claim/cardholder depends on the type of credit card and its network.... read full answer

Types of Cards with Purchase Protection

Capital One’s purchase protection benefits depend on the tier of your Capital One Mastercard or Visa. For example, Capital One’s Visa Signature, Visa Professional, and Visa Business credit cards have this benefit. On the Mastercard side, Capital One’s World, World Elite, World Elite Business, and Business Platinum Mastercards offer purchase protection. The tiers without purchase protection include Visa Platinum and Platinum Mastercard. The tier you get generally depends on your creditworthiness at the time you apply for a card.

To see which kind of Capital One card you have, flip the card over. You’ll see the Visa or Mastercard logo, and “Signature,” “Platinum,” “Business,” etc., will be written above or below the logo. But keep in mind that just because you have one of those cards doesn’t mean your card has the purchase protection benefit, though.

Here is more info about the Capital One purchase protection coverage:

• What is covered: Some examples of what’s covered by Capital One’s purchase protection include items purchased with your Capital One card that are stolen, damaged by fire or vandalism, or affected by “certain weather conditions.”
• What is not covered: The list of what’s not covered is extensive and specific: perishables, software, plants and animals, collectibles, used items, items stolen from vehicles or common carriers or checked luggage, and “lost” items that have disappeared without evidence of a wrongful act, among other things.
• Coverage amount: The maximum amount that you will get depends on the tier of your Capital One Mastercard or Visa. But it can vary between $500 to $10,000 per claim.

It’s important to note that many credit card benefits, like purchase protection, have been getting cut from benefits packages in recent years. The information above is correct right now, but could quickly change. If you plan on getting one of these credit cards, refer to the benefits booklet that comes with your new card for the most accurate information. You can also look up your card’s benefits on the Capital One website.

To dispute a Capital One charge, log in to your Capital One account online and search for the transaction to dispute, or call Capital One customer service at the number on the back of the card. Alternatively, the address to dispute a charge by mail is:

Capital One
Attn: Disputes
PO Box 30279... read full answer
Salt Lake City, UT 84130-0279

Capital One disputes are typically resolved within 50 days, though more complex issues may take a little longer.

How to Dispute a Charge on a Capital One Card Online

1. Log in to your online account.
2. Click on the account the transaction occured in.
3. Search for the transaction in question.
4. Select the transaction for more details.
5. Click "Report a Problem" to open an inquiry.
6. Check for a confirmation e-mail from Capital One verifying receipt of the inquiry.

Before you dispute a charge through Capital One, you should first contact the merchant associated with the charge on your Capital One card. Merchants have easier access to your purchase information and should be better able to quickly remedy the issue. If for some reason, the merchant is unable or unwilling to work with you on a disputed charge, you can then file a dispute with Capital One.

Once you’ve initiated the dispute, Capital One will then contact the merchant and review any information provided by both parties. You won’t be charged for the disputed transaction, nor any associated fees or interest, while the dispute is under investigation. And you can still use your Capital One card as you normally would while a dispute is ongoing.

Capital One will notify you of the outcome of the dispute after they’ve completed their investigation. They will either issue a chargeback to your account for the contested amount, or allow the charge to stand. If the disputed charge is ruled to be valid, you would then have to pay that amount, including any applicable fees and interest charges that accrued during the dispute, starting from the original purchase date.