Does Citi Secured offer an extended warranty?

Citibank offers extended warranty protection on some of its credit cards. With Citibank extended warranty coverage, the original manufacturer’s warranty will last up to 2 extra years when a covered item is purchased with an eligible Citibank credit card. Citibank extended warranty coverage applies to warranties of 7 years or less.… read full answer

The maximum coverage amount per item under the Citibank extended warranty policy is $10,000.

Popular Citibank Credit Cards with an Extended Warranty

• Citi Rewards+® Card
• Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
• Citi® Diamond Preferred® Card
• American Airlines AAdvantage MileUp℠ Card
• Costco Anywhere Visa® Card by Citi

Keep in mind that not all Citibank credit cards offer the extended warranty benefit. Information on covered items and exclusions can be found in the guide to benefits that came with your credit card, or you can ask Citibank customer service about these details before you apply for the card.

The Citi Secured card credit limit is $200 to $2,500. Everyone who gets approved for Citi Secured is guaranteed a credit limit of at least $200, though each person’s exact starting credit limit will depend on how much of a security deposit they put down. When you first open the secured card, the amount of your security deposit will be your credit limit.… read full answer

The Citi Secured card credit limit that you start with isn’t necessarily your credit line forever. Citibank will usually allow you to increase your security deposit for a higher credit line. In some cases, they’ll also graduate your secured card to an unsecured card if you’ve used it responsibly. This could get you a higher credit limit, too.

Nearly all Mastercard, Visa and American Express credit cards provide an extended warranty benefit. However, a credit card’s benefits are up to the card issuer. For example, Citi has removed extended warranty benefits from nearly all its cards. Another major issuer, Wells Fargo, axed the benefit from all its cards, altogether.… read full answer

Best Credit Cards with Extended Warranty

How Extended Warranty Works

A credit card extended warranty will add at least 1 extra year to an existing U.S. manufacturer’s warranty. It covers eligible items purchased with the card. Extended warranties provide up to $10,000 in coverage per item. In most cases, there’s a $50,000 limit per account. Some of the best extended warranty policies do not set a maximum dollar amount per account.

Not all items qualify for the benefit. Non-covered items vary depending on the card. Most programs will not cover motorized vehicles, computer software, used items and medical equipment.

How to File a Claim

To file a credit card extended warranty claim, you’ll have to contact the card’s benefit administrator. You will typically need to do so within 90 days of an item breaking, depending on the card. You will then need to file a claim form along with any relevant supporting documentation, such as your credit card statement, store receipt and original warranty. You may also have to send a copy of a repair order, if applicable. Networks and issuers have varying deadlines for submitting the claim form and other documents. Refer to your card’s benefits guide for specifics.

If your credit card originally came with an extended warranty benefit, it may be worth checking with your card issuer to see if the benefit still applies. Citi isn’t the only card issuer to slash extended warranty benefits in recent years. For instance, American Express used to have one of the best credit card extended warranty programs on the market. However, Amex cut its former 2-year extended warranty down to 1 year in 2020, and removed the benefit completely from several no-annual-fee credit cards.