Yes, USAA does offer extended warranty protection on some of its credit cards. With USAA extended warranty coverage, the original manufacturer’s warranty will last up to 1 extra year when a covered item is purchased with an eligible USAA credit card. USAA extended warranty coverage applies to warranties of 3 years or less.
The maximum coverage amount per item under the USAA extended warranty policy is $15,000. The maximum coverage amount per account under this policy is $50,000.
Popular USAA Credit Cards with an Extended Warranty
USAA® Rewards™ American Express® Card
USAA® Rewards™ Visa Signature® Card
USAA® Cashback Rewards Plus American Express® Card
USAA Preferred Cash Rewards Visa Signature® Credit Card
USAA Rate Advantage Visa® Platinum Credit Card
Keep in mind that not all USAA 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 USAA customer service about these details before you apply for the card.
The USAA credit card extended warranty only supports their Visa Signature cards. Visa will double or extend the free repair time period provided by the original manufacturer, for up to an additional year. The benefit for repair or replacement will not exceed $10,000. The extended warranty will follow the original warranty provided by the manufacturer and you will have up to thirty days to open a claim case.
Several 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.
You should use your credit card for everything you would otherwise buy with your checking account or debit card, as long as credit cards are an accepted form of payment. It’s beneficial to use a credit card for daily purchases because credit cards offer $0 fraud liability guarantees, and you could be earning extra rewards by using a credit card.
Nothing much happens if you don’t use your credit card for a month. You’ll just need to keep up to date with your monthly payment if you have an existing balance. But your credit card issuer isn’t going to close your account for less than three months of inactivity. And on top of that, you’ll still receive a monthly statement if you don’t make any purchases, but there won’t be anything new to pay off.
WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: USAA® Rewards™ American Express® Card, USAA® Rewards™ Visa Signature® Card, USAA Preferred Cash Rewards Visa Signature® Credit Card, USAA Rate Advantage Visa® Platinum Credit Card, and USAA® Cashback Rewards Plus American Express® Card
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