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Credit card extended warranty allows consumers to extend an original manufacturer’s warranty on items, saving shoppers money if the item becomes defective. Major issuers — including American Express, Bank of America, Capital One, Chase, Citi and Wells Fargo — offer this benefit with many of their credit cards.

Extended warranty policies differ based on the length of the extended warranty, claim limits, reimbursement timing, the time consumers are given to file a claim and more. However, major credit card networks typically have a $10,000 limit per claim. Although extended warranty is a common feature, the policies will vary greatly depending on the card and the major card network, such as American Express or Visa. Consumers can file extended warranty claims for most credit cards online or by phone.

Compare the best credit cards with extended warranty for 2022

Card
Welcome Offer
Credit Needed
Annual Fee
American Express
American Express® Gold Card
American Express<sup>®</sup> Gold Card
60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.660 - 850$250 See Rates & Fees.
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Bank of America
Bank of America® Premium Rewards® credit card
Bank of America<sup>®</sup> Premium Rewards<sup>®</sup> credit card
50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening.660 - 850$95
Not available on ValuePenguin
Capital One
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel660 - 850$95
Apply Now
On Capital One's Secure Website
Compare all cards

Welcome Offer

60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening.

Credit Score Needed

660 - 850
660 - 850

Annual Fee

$95
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Not available on ValuePenguin

Best American Express card with extended warranty

American Express® Gold Card

See Rates & Fees. Terms Apply. On American Express' Secure Website

60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

$250

17.49%-24.49% Variable

660 - 850

  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • Updated $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Earns transferable points

Our thoughts

The American Express® Gold Card is one of the most rewarding cards for foodies and travelers alike: Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply. Although it comes with a $250 annual fee, you can take advantage of monthly credits that come with this card, available with Uber Cash and select dining partners (enrollment required).

For rates and fees of American Express® Gold Card, please click here.

How extended warranty works

What makes the American Express® Gold Card a standout card is its extended warranty policy. When charging the eligible purchase to your card, you'll enjoy an additional year of coverage on original manufacturer's warranties of five years or less. This protection applies to $10,000 per covered purchase and up to $50,000 per calendar year.

To file your claim, call 800-288-6855 or click here. You should file the claim within 30 days of the loss or as soon as reasonably possible. Be prepared to provide proof of loss and other documentation, such as the original manufacturer's warranty and purchase receipt.


Best Bank of America card with extended warranty

Bank of America® Premium Rewards® credit card

Generic art
Not available on ValuePenguin

50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening.

$95

16.74% - 23.74% Variable APR

660 - 850

  • Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases.
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means you could earn up to 3.5 points for every $1 spent on travel and dining purchases.
  • No limit to the points you can earn and your points don't expire.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years. 
  • No foreign transaction fees.
  • Low $95 annual fee.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Our thoughts

The Bank of America® Premium Rewards® credit card offers a simple way to earn rewards: Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases. You can redeem your points for cash back into your Bank of America checking or savings account, credits to eligible Merrill accounts, statement credits, gift cards or travel purchases through the Bank of America Travel Center.

The $95 annual fee is easily comped through an annual $100 airline incidental statement credit and a Global Entry or TSA Precheck application credit every four years.

How extended warranty works

When purchasing an item on your card, you'll receive an additional year of coverages on warranties of three years or less. This coverage is eligible for up to $10,000 per claim and $50,000 per cardholder.

Bank of America also allows you to register your receipt and warranty information on eligible purchases online. To file your claim, call 800-592-4089 to reach card benefits services within 60 days and submit the form within 90 days.


Best Capital One card with extended warranty

Capital One Venture Rewards Credit Card

On Capital One's Secure Website

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

$95

16.24% - 24.24% (Variable)

660 - 850

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs

Our thoughts

The Capital One Venture Rewards Credit Card is a popular card for beginner travelers as you'll 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023. There’s no need to keep up with rewards categories — you'll earn rewards on an unlimited number of purchases. And although there's a $95 annual fee, you'll receive up to $100 credit for Global Entry or TSA Precheck.

How extended warranty works

When you purchase items with your Capital One Venture Rewards Credit Card, you'll enjoy an additional year of coverage on eligible warranties of three years or less. The maximum benefit amount is $10,000 per item or $50,000 per account.

You will need to file a claim within 90 days of the product failure. Call 800-551-8472 to contact the Benefits Administrator, and be prepared to provide the item’s receipt and warranty information.


Best Chase card with extended warranty

Chase Sapphire Reserve®

On Chase's Secure Website

New Offer! Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

$550

17.74% - 24.74% Variable

720 - 850

  • New Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself BackSM, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Earns transferable points

Our thoughts

Luxury travelers will love the Chase Sapphire Reserve® Card thanks to its extensive list of perks. Each year, you'll receive up to $300 in travel statement credits and many limited-time statement credits on DoorDash, Peloton and Lyft. If you take advantage of these offers, they could easily make up for the $550 annual fee.

With this card, you'll earn 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards®

How extended warranty works

This extended warranty benefit extends a manufacturer's warranty by an additional year on eligible warranties of three years or less. The coverage amount is $10,000 per claim or $50,000 per cardholder account. Like other extended warranties, you must purchase the item on your card.

You must notify the Benefits Administrator within 90 days to start a claim. You'll have 120 days to fill out a claim form and provide any supporting documentation. To file a claim, call 800-742-7702 or click here.

How does credit card extended warranty work?

Extended warranty policies differ based on numerous factors, such as each one’s length, claim limits, and the time available to file a claim, among others. However, a $10,000 limit per claim is a common one among major credit card networks. It's essential to read the fine print of your credit card benefits to see exactly what's covered under your extended warranty policy.

The item must be purchased using the credit card. Furthermore, major credit card networks can deny an extended warranty claim if the customer has canceled their account before filing a claim. Credit card networks also reserve the right to repair or replace the claimed item, or refund the customer, under extended warranty guidelines.

What's covered under a credit card's extended warranty?

A credit card’s extended warranty covers items that already come with a manufacturer’s warranty and extends the coverage period. For example, if your phone screen won’t turn on because the battery is malfunctioning, you could file a claim under your credit card network’s extended warranty after the manufacturer's warranty has expired.

It's important to note that extended warranties won't cover any physical damage — for instance, you cannot use your extended warranty to cover a cracked screen on your phone. You'll want to rely on purchase protection for this type of coverage, which provides reimbursement for lost, stolen or damaged items.

There are many exclusions to be wary of — here are some examples of items that are typically excluded from extended warranty coverage:

  • Motorized vehicles
  • Used items
  • Animals or living plants
  • Rented or leased items
  • Computer software or downloaded programs
  • Items for professional or commercial use

For an exact list of items, it's best to check with your credit card's benefits guide.

How to file an extended warranty claim

The best practice is to file a claim as soon as you know that the item is defective. Typically, you'll need the following documentation:

  • Original receipt from the store of purchase
  • Credit card statement showing the record of purchase
  • Original manufacturer’s warranty
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Below, we've listed major credit card issuers' phone numbers to start your claim. Some issuers also allow you to file a claim online.

Phone number
American Express800-288-6855
Bank of America800-592-4089
Capital One800-551-8472
Chase800-742-7702
Citi866-918-4670
Wells Fargo866-918-4442

Typically, store-offered extended warranties become effective immediately, which means a product is covered by both a manufacturer’s warranty and a store offered extended warranty simultaneously. This results in consumers paying for extended warranties when a manufacturer’s warranty may be sufficient. Consumers should ensure that a store’s extended warranty provides more coverage than their credit card. Otherwise, they're better off relying on an extended warranty from their credit card.

We answer several common questions about extended warranty, a useful benefit that comes with many credit cards.

FAQs about credit card extended warranty

How does extended warranty work on a credit card?

You will need to purchase the eligible item with your credit card. After the manufacturer's warranty expires, the credit card extended warranty kicks in. If the item becomes defective during this coverage period, you can submit a claim and receive reimbursement for up to $10,000 per item.

Which credit card issuers do not provide extended warranty coverage?

Barclays and Discover do not offer extended warranty coverage on any of their credit cards.

ValuePenguin's verdict

Many brand-name products come with a manufacturer's warranty, guaranteeing their quality for a defined period of time. But by purchasing items with the right credit card, you could be covered at least for another year in the event of any product defects. While there are limitations to be wary of, your credit card's extended warranty policy could potentially save you thousands of dollars if you can file a claim in a timely manner.

Methodology

To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin, as well as cards on major issuer sites, to compile a list of the best rewards credit cards available right now. Our recommendations are based on the best warranty policies offered by each card issuer. We also analyzed the ongoing value of the card — including the rewards value, cost of ownership and value of benefits, such as statement credits and redemption options. Our choices are not influenced by our advertisers.

For rates and fees of American Express® Gold Card, please click here.

The information related to Bank of America® Premium Rewards® credit card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).