The Chase Sapphire Preferred extended warranty works by adding 1 year to the warranty of items with an existing warranty of 3 years or fewer. It provides up to $10,000 in coverage per claim and $50,000 per account. You must purchase the item with a Chase Sapphire Preferred to qualify for the benefit.
Here’s how the Chase Sapphire Preferred extended warranty works:
Overview: Extends eligible warranties of 3 years or less by one year as long as the items are purchased with the Chase Sapphire Preferred or with rewards earned with your card. Coverage is secondary to any service contract or extended warranty purchased or received with the item(s).
How much is covered: Repairs or replacements of eligible items for no more than the original purchase price recorded on the credit card receipt (shipping and handling fees excluded), up to $10,000 coverage per claim and $50,000 per account.
Who is covered: The extended warranty covers the cardholder and any recipients of gifts purchased by the cardholder.
What is covered: Eligible items with a valid original manufacturer-written U.S. repair warranty of 3 years or less; eligible gifts purchased with the Chase Sapphire Preferred; eligible items purchased outside the U.S. are also covered as long as they are purchased with your card and have a manufacturer written U.S. repair warranty of 3 years or less, a store-purchased dealer warranty, or an assembler warranty.
What is not covered: Excluded items include motorized vehicles, items purchased for resale or commercial use, used or pre-owned items, and computer software. To view the full list of excluded items, consult the Chase Sapphire Preferred guide to benefits.
How to claim: To file a Chase Sapphire Preferred extended warranty claim, first notify the Benefit Administrator by calling at (888) 320-9961 or visit the Card Benefit Services website within 90 days of the covered item failing. Once you’ve notified the Benefit Administrator of the product’s failure, you will receive a claim form in the mail. Alternatively, you can file a claim through the Card Benefit Services. You should submit the completed claim and supporting documentation (such as receipt copies and original warranty) within 120 days of the item’s failure.
When the claim is verified, the item will be repaired or replaced at the Benefit Administrator’s discretion. You should be reimbursed within five business days of receipt and approval of all documentation.
Keep in mind that exclusions and coverage limits might apply to this benefit, so make sure to check your Chase Sapphire Preferred’s guide to benefits for more details.
Chase Freedom’s extended warranty adds 1 year to U.S. manufacturer’s warranties of 3 years or less on items purchased with this card. It provides coverage up to $10,000 per claim and $50,000 per account.
What Chase Freedom’s extended warranty covers:
The Chase Freedom extended warranty benefit is valuable. But there are a few restrictions on when and how you can use it. For starters, the warranty must be written by a U.S.-based company. Coverage does apply to items you purchase abroad that have a U.S. warranty. Gifts purchased with the card are also covered. Items that are not covered include, but are not limited to, motorized vehicles, used items, computer software, and items purchased for resale. … read full answer
How to file a claim:
To make a claim, notify the Chase Benefit Administrator within 90 days from when the item fails. The number is (800) 874-7702. Then, submit the claim form and all requested documents within 120 days of the item’s failure. Chase will reimburse you or pay to have your item repaired within 5 business days of receiving all your materials if your claim is approved.
Chase Freedom’s extended warranty coverage is secondary to any other extended warranty you might have on an item. So, you must make a claim with the primary source first. Then, let Chase know how much you received. You may be eligible for additional compensation. If you don’t have any other extended warranty on the item, you can go to Chase immediately.
Chase Sapphire Reserve purchase protection covers you for up to $10,000 per item if something you buy with your Chase Sapphire Reserve card gets lost, stolen or damaged within 120 days of purchase. Chase will repair the item, order you a new one or give you a refund, whichever is cheaper. The annual coverage limit is $50,000.… read full answer
There are several restrictions on what kinds of items are covered. For example, antiques, motorized vehicles, and living plants and animals are not eligible. Plus, to get reimbursed, you need to mail in a completed claim form within 120 days of a loss. It’s always good to read the fine print, and Chase Sapphire Reserve purchase protection is no exception. I’ll walk you through the important details below.
Here’s what you get from Chase Sapphire Reserve purchase protection:
You are covered for theft, damage, and accidental parting. Accidental parting means you know where the item is, but you can’t get it back.
To be covered, an item must have been paid for, at least in part, with your Chase Sapphire Reserve card or Chase Ultimate Rewards points.
Gifts you buy for others qualify for coverage, so long as you charge them to your Chase Sapphire Reserve card (or use points) and the item is otherwise eligible.
Chase offers purchase protection in addition to any insurance you have. That means you’ll need to file an insurance claim if possible, and submit documentation of the claim and any compensation you received to the Benefit Administrator.
Items that you buy to resell are not covered. Neither are purchases damaged or lost in delivery. Other items that don’t qualify for coverage include animals, living plants, antiques, collectibles, motorized vehicles, computer software, cosmetics, checks, medical equipment, used goods, and pre-paid cards.
If you’re making a claim for a damaged purchase, you will usually need to keep the item to send it in.
Here’s how to make a Chase Sapphire Reserve purchase protection claim:
Contact the Benefit Administrator at (888) 675-1461 within 90 days of the loss.
The Administrator will send you a claim form, which you need to fill out and return within 120 days of the loss.
If Chase decides to repair your item, you will be notified of the decision within 15 business days of sending in documentation. You’ll then need to send the item to the Benefit Administrator, and pay for the shipping yourself.
If you’re getting reimbursed, the credit should show up in your account within 5 business days of getting all your paperwork in.
Chase Sapphire Reserve purchase protection gives you some extra peace of mind and, maybe, some extra cash. Just make sure you save your receipts, and pay attention to the claim deadlines.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by a WalletHub user.
Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.