12 Best Credit Cards for Extended Warranties (April 2024)

Does your credit card offer benefits you don’t even know about? One valuable, albeit less-familiar benefit is the extended warranty. This adds months or years of protection to your purchased items.

Read on to learn about the 12 best credit cards for extended warranties. Although the benefit may be seldom used, it can save you a lot of money if you run into problems with your purchase after the regular warranty expires.

This benefit is becoming harder to find, but some issuers still provide extended warranty coverage on select cards.

Amex | BoA | Capital One | Chase | Citi
FAQs & Methodology

As a general policy, eligible American Express cards offer up to one additional year of coverage beyond the original manufacturer’s warranty for covered purchases. The policy applies to warranties of five years or less for covered purchases made in the United States.

American Express rolled out a new extended warranty program for purchases made on or after January 1, 2020.

The Platinum Card® from American Express offers two extended warranty programs: One for New York State, and one for the rest of the United States. Coverage extends for one additional year beyond the manufacturer’s warranty of five years or less.

However, the New York State program limits coverage to a period matching what is offered in the manufacturer’s warranty if it is less than one year. Both programs limit coverage to $10,000 per covered purchase and $50,000 per year.

2. American Express® Gold Card

at the issuer'ssecure website

CATEGORY RATING

★★★★★

4.8

OVERALL RATING

4.8/5.0

• Earn 90,000 Membership Rewards® points after you spend $6,000 on purchases on your new card in your first 6 months of card membership
• Earn 4X Points at U.S. supermarkets on up to $25,000 per calendar year in purchases. Also earn 4X Points at restaurants, including takeout and delivery, and 3X points on flights when booked directly with airlines or on amextravel.com. All other eligible purchases earn 1X point.
• No foreign transaction fees
• 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.
• Delight your senses when you book The Hotel Collection with American Express Travel. Get a $100 experience credit to use during your stay. Minimum 2-night stay is required.
• $250 Annual Fee

• See application, terms and details.

See Rates & Fees

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	21.24% - 29.24% Pay Over Time	$250	Excellent

The American Express® Gold Card provides the same extended warranty programs as the issuer’s Platinum Card. The extended warranty covers losses of up to $10,000 per purchase and $50,000 per year for multiple losses.

You get one additional year of coverage added to a manufacturer’s warranty of five years or less. For New York residents, the extended warranty matches manufacturer’s warranties of one year or less.

3. American Express® Green Card

at the issuer'ssecure website

CATEGORY RATING

★★★★★

4.7

OVERALL RATING

4.7/5.0

• Earn 40,000 Membership Rewards® Points after you spend $3,000 on purchases on your new card in your first 6 months of card membership
• Earn 3X points on restaurants, including takeout and delivery, and 3X points on transit and travel — all other purchases earn 1X point per $1 spent
• Receive up to $189 per calendar year in statement credits when you pay for your CLEAR membership with the American Express® Green Card
• Find out if you Pre-Qualify for the American Express® Green Card or other offers in as little as 30 seconds.
• Use the American Express® Green Card to purchase lounge access through LoungeBuddy and receive up to $100 in statement credits per calendar year
• No foreign transaction fees

• See application, terms and details.

See Rates & Fees

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	21.24% - 29.24% Pay Over Time	$150	Good/Excellent

The American Express® Green Card has the same top-tier extended warranty arrangements as the issuer’s Platinum and Gold cards. This means you get an extra year of coverage on top of that provided by manufacturers’ warranties of up to five years.

If you live in New York, the extended coverage doubles that of manufacturers’ warranties of less than one year. The coverage limits are $10,000 per covered item and $50,000 per year.

Unfortunately, Bank of America does not fully disclose its extended warranty terms and conditions until you receive your card. Therefore, the publicly available information from this issuer is limited.

We advise that you carefully review the benefits information you receive when your Bank of America card arrives in the mail.

The Bank of America® Customized Cash Rewards credit card offers an extended warranty program that doubles the manufacturer’s warranty term, but only up to a maximum of one additional year. The maximum coverage amount is $10,000, and claims must be filed within 60 days of the loss event.

Not covered under warranty are used, collectible, or antique items, commercial- or professional-use items, physical damage, motorized vehicles, software, and living items.

The Bank of America® Travel Rewards credit card card does not provide details regarding its extended warranty protection on any of its websites. However, research indicates that consumers should receive the same coverage available to all Visa Signature cards.

This means that you get one extra year of coverage on manufacturer’s warranties of one to three years and double the coverage for manufacturer’s warranties of less than one year.

The Bank of America® Premium Rewards® credit card offers an extended warranty that doubles the manufacturer’s warranty, up to one extra year.

This is the same program offered on the Bank of America® Customized Cash Rewards credit card, which means the coverage is capped at $10,000 and the same exclusions apply. You must file your claim within 60 days to ensure coverage.

Capital One credit cards offer extended warranty protection on par with that of the other major issuers. You must purchase the item entirely with a Capital One card to receive these benefits.

Extended warranties do not include resale-, professional-, and commercial-use items, motorized vehicles, real estate, rented items, computer software, medical equipment, and used items.

The Capital One Venture Rewards Credit Card provides an extended warranty for products that carry a manufacturer’s warranty of three years or less. The extended warranty doubles the manufacturer’s warranty for up to one additional year.

Coverage is capped at $10,000 per claim and $50,000 per cardholder (not annually like some other credit cards). Purchases outside the United States are covered as long as they have a U.S. warranty of three years or less.

The Capital One VentureOne Rewards Credit Card offers extended warranty coverage that is identical to that provided by the Venture card. That limits the warranty extension to no more than one year, and the manufacturer’s warranty cannot exceed three years.

Coverage limits are $10,000 per item and $50,000 per cardmember. You must complete filing your claim within six months of your loss.

The Capital One Quicksilver Cash Rewards Credit Card offers the same extended warranty plan as the Venture and VentureOne cards. That’s up to $10,000 of coverage per item ($50,000 per cardholder) on purchases covered by a manufacturer’s warranty of up to three years.

The extended warranty coverage period doubles that from the manufacturer, but is not to exceed one year. If your claim is approved, expect to receive a reimbursement check within 10 days.

Unlike some of its competitors’ extended warranty plans, Chase provides a full year of extra coverage even if the term of the manufacturer’s warranty is less than a year. The Chase plan covers purchases in which the manufacturer’s warranty is no longer than three years.

You must make the purchase with a Chase card and/or Chase Ultimate Reward® points.

The Chase Sapphire Reserve® is one of Chase’s premium cards. It offers an extended warranty plan that adds one year to any manufacturer’s warranty of three years or less. The coverage is limited to $10,000 per item and $50,000 per account.

You have 90 days to submit your claim form and 120 days to send in all the required documentation. You should receive reimbursement for repairs within five days of Chase’s receipt of a copy of your repair order.

The Chase Sapphire Preferred® card’s extended warranty plan is the same as that of the Reserve card. You receive up to $10,000 in coverage per item and $50,000 per account on the extended warranty.

The underlying manufacturer’s warranty cannot exceed three years. The extended warranty provides a full year of additional coverage. Some of the items not covered include computer software, motorized vehicles, used items, and items bought for commercial use or resale.

No surprises here — the Chase Freedom Unlimited® card has the same extended warranty plan as those for the Sapphire cards. That’s one additional year of coverage when the manufacturer’s warranty is three years or less. Your coverage limits are $10,000 for an item and $50,000 for the account.

Note that coverage is secondary to any existing extended warranty or service contract that you have purchased. Only repairs completed by an authorized facility are covered.

Citi removed extended warranty benefits from its only two cards to have the benefit — The Citi Costco cards — on January 22, 2023. 

The reason you exercise a warranty is that you’ve encountered a covered loss on a purchased item. “Loss” is a general term meaning malfunction of the purchased item that requires repair, replacement, or reimbursement.

Typically, the following conditions must be met before an extended warranty takes effect:

1. The credit card must offer an extended warranty.
2. You must make the purchase with the credit card or with points from the credit card.
3. The purchase must be covered by the warranty. This usually means property used for your household, for your business, or as a gift.
4. A covered loss must match the coverage offered by the original manufacturer’s warranty.
5. The loss is covered only until the extended warranty expires.
6. Any exceptions in the original manufacturer’s warranty also apply, as well as any additional exceptions specified by the card issuer. Typical exceptions include loss due to physical damage, alterations, improper use, power surges, natural disaster, and many more. Also, certain items won’t be covered and might include living things, consumables, perishables, land, motorized vehicles, or buildings.
7. The extended warranty may exclude items purchased as inventory or for resale, professional use, or commercial use.
8. The extended warranty may exclude items covered by an unconditional satisfaction guarantee.
9. The issuer will usually set a maximum coverage amount per item and limit the coverage to an amount no greater than the original purchase price. There may be an aggregate coverage limit on multiple claims.
10. If the item is to be repaired, those repairs must be valid, reasonable, and executed by an authorized repair facility.
11. Certain costs may be excluded, such as shipping, installation, handling, rebates, and other service fees.
12. You can’t assign the extended warranty to another person.
13. You might lose coverage if you cancel the credit card or use the purchased item in the commission of a crime.

If you need to file a claim, the general procedure is for you to contact the card issuer, usually by phone, within a set period following the loss. The card issuer will ask you to fill out a claim notice and to provide proof of loss by the specified deadline.

This proof of loss may include the original purchase receipt, a copy of the original manufacturer’s warranty and/or any purchased service contract, a photograph of the item, and/or a completed repair estimate form.

If you’ve properly jumped through all the hoops, you should receive your claimed benefit within a defined period. Payment may be capped if you were paying for your purchase in installments.

Some issuers have removed or reduced this benefit over the years, but those that still offer it all offer similar coverage. American Express, Bank of America, and Chase still offer solid extended warranty protection on select cards.

Issuer	Warranty Period	Coverage Limits
Amex	1 Year, Not to Exceed 5-Year Manufacturer Warranty	$10,000 per Item $50,000 per Account
Bank of America	Matches Manufacturer Warranty Up to 1 Year	$10,000 per Item $50,000 per Account
Chase	1 Year, Not to Exceed 3-Year Manufacturer Warranty	$10,000 per Item $50,000 per Account
Citi	N/A (Discontinued in 2023)	N/A
Discover	N/A (Discontinued in 2018)	N/A
Visa Signature	Matches Manufacturer Warranty Up to 1 Year	$10,000 per Item $50,000 per Account

The least impressive extended warranty programs involve manufacturer warranties of less than one year. That is, the extended warranties of cards like the Bank of America® Customized Cash Rewards credit card  and Capital One Venture Rewards Credit Card only double the number of covered months for short warranties.

More specifically, these cards will only add three months to three-month manufacturer warranties. That’s pretty puny when other cards always provide at least one additional year of coverage.

We should point out that New Yorkers who use Amex cards with extended warranties also have to put up with the matching extended warranty coverage when the manufacturer’s warranty is less than one year. The other 49 states receive a full year of extended coverage no matter how short the manufacturer’s warranty.

American Express overhauled its benefit programs on January 1, 2020. The result is the addition of trip interruption and cancellation coverage to premium Amex cards but the removal of extended warranty coverage from Amex consumer cards that charge no annual fee.

The three Amex cards we reviewed here, such as The Platinum Card® from American Express, continue to offer the standard extended warranty program. However, the standard program scaled back the additional coverage period from two years to one.

This illustrates a larger point: Credit card issuers are forever tinkering with the benefits they offer. With little notice this year, a card like the American Express® Green Card shed benefits, such as returns protection, whereas The Platinum Card® from American Express retained this benefit.

In other words, you need to stay on top of benefit changes, not only by the issuer but also by individual cards.

So why do credit card issuers do this? Well, benefits are expensive, and cards need to generate enough revenue to make them profitable.

Issuers constantly assess their costs and evaluate which benefits are valued most by their customers. They may have to sacrifice some less popular benefits to save highly valued ones.

Our list of the best credit cards for extended warranties evaluates the individual policies for credit card issuers that still offer extended warranty protection. The rankings are based on coverage limits, warranty terms, the claims process, and overall cardholder satisfaction.

CardRates reviews undergo a thorough editorial integrity process to ensure that content is not compromised by advertiser influence.