What are the best credit cards with extended warranty protection?

The best credit cards with extended warranty protection are offered by Citibank, Capital One, and American Express. 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.

Best 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.

*Capital One Extended Warranty Disclosure: For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

**American Express Extended Warranty Disclosure: Eligibility and Benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

I like Amex BCP, since I’m earning cash back too. I don’t get out of town enough for travel rewards.

Any of these cards is better than buying an extended warranty!

Petal, just like riding a bike, baby!

If you want extended warranty protection without paying an annual fee, I’d go with Chase Freedom Unlimited or Amazon’s Visa. For premium perks, I hear Amex Platinum is the way to go.

I used Venture for this a few years ago. It was a bit of a pain, but I got my repairs covered at the end of the day…sorry, that’s my only reference point!

It’s my understanding that Amex is top dog for this. Check out Blue Cash Preferred, unless you’re a big spending frequent traveler - Amex Platinum is interesting in that case.