How does the Visa extended warranty work?

Visa extended warranty protection will double the manufacturer’s warranty for an eligible product, adding up to 1 additional year to warranties lasting 3 years or less. The maximum extended warranty coverage amount on Visa Signature and Visa Infinite cards is $10,000 per claim and $50,000 per cardholder. Extended warranty protection is not a standard benefit on “Visa Traditional” cards, but that doesn’t mean it’s never included.

Keep in mind that the card issuer determines what benefits come with a given card, so no matter which Visa tier your card belongs to, it’s best to check with the issuer about whether Visa’s extended warranty coverage is included. It’s possible, for example, that one issuer will add this benefit to a Visa Traditional card, while another will remove it from a Visa Infinite card.

Assuming you have an eligible card, the best way to ensure that you can use Visa extended warranty coverage is to register your products when you buy them. To do this, you must call the Benefit Administrator at 1-800-551-8472 if you’re in the U.S. or at 1-303-967-1096 if you’re not. Alternatively, you can register a product via the Visa card benefit services website.

If you don’t register your product when you purchase it, you can still use extended warranty coverage. However, you’ll need to locate the itemized sales receipt, your monthly billing statement reflecting the purchase, and the original warranty.

Visa Extended Warranty Claim Timeline

1. Notify the Benefit Administrator within 60 days of product failure.
2. Submit the necessary forms within 90 days of product failure.
3. If your claim is valid, the Benefit Administrator will decide to replace or repair your item.
4. In most cases, you will get a reimbursement check approximately one week after the Benefit Administrator receives the required documents.

You’ll be reimbursed for no more than the original purchase price of the item, and you will have to pay any shipping and handling fees for replaced or repaired items. If the Benefit Administrator decides to go the repair route, they will refer you to an authorized repair facility. They can pay the repair facility directly, or you can pay the facility for the repair and file a claim for reimbursement.

Know that there are many eligibility restrictions for Visa extended warranty protection, so refer to the benefits guide that came with your Visa to learn more about the extent of this coverage.

The Visa credit card extended warranty coverage depends on what Visa you've got, exactly. You only have extended warranty for Visa Signature and Infinite cards, not for regular ones. If you've got an American Express card, maybe use that one for the purchase. All of them have extended warranty, big or small.