The Ultimate Guide to Credit Cards
Wednesday, May 25, 2022

15 Best Credit Cards for Extended Warranties

Best Credit Cards For Extended Warranties

credit card advice

Eric Bank

Written by: Eric Bank

Eric Bank

Eric Bank has been covering business and financial topics since 1985, specializing in taking complex subject matters and explaining them in simple terms for consumer audiences. In addition to his work on CardRates.com, Eric has appeared regularly on Credible.com, eHow, WiseBread, The Nest, Get.com, Zacks, Chron and dozens of other outlets. A former software engineer, Eric holds an M.B.A. from New York University and an M.S. in finance from DePaul University.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian is a Content Editor who brings her journalism experience in business and consumer finance to ensure CardRates news articles and reports have been edited for overall clarity, accuracy, and reader engagement. Her primary goal is to assure editorial content meets the highest level of quality and precision.

See full bio »
Advertiser Disclosure

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 15 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

Best American Express Cards for Extended Warranties

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® Review

at the issuer'ssecure website

CATEGORY RATING

★★★★★
4.8

OVERALL RATING

  • Earn 150,000 Membership Rewards® points after you use your new card to make $6,000 in purchases in your first 6 months of Card Membership
  • Earn 5X Membership Rewards® points for flights booked directly with airlines or with American Express Travel, on up to $500,000 on these purchases per calendar year. Also earn 5X Membership Rewards® points on prepaid hotels on AmexTravel.com. Earn 1X points on all other purchases.
  • $200 annual hotel credit, $200 annual airline fee credit, $25 monthly Equinox credit, $15 monthly Uber cash credit, $100 annual Saks Fifth Avenue credit, and more.
  • Platinum Card Members have unlimited complimentary access to all locations of The Global Lounge Collection, including 1,400 airport lounges across 650 cities.
  • Automatic Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status. Enrollment required.
  • Choose among three card designs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 23.24% Pay Over Time
$695
Excellent

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.

American Express® Gold Card Review

at the issuer'ssecure website

CATEGORY RATING

★★★★★
4.8

OVERALL RATING

  • Earn 90,000 Membership Rewards® points after you spend $4,000 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.
  • Earn up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, Boxed and other participating partners. This can be an annual savings of up to $120. 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. A minimum 2-night stay is required.
  • $250 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 23.24% Pay Over Time
$250
Excellent

The American Express® Gold Card provides the same extended warranty programs as does 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.

American Express® Green Card Review

at the issuer'ssecure website

CATEGORY RATING

★★★★★
4.7

OVERALL RATING

  • Earn 45,000 Membership Rewards® Points after you spend $2,000 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 $100 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 23.24% Pay Over Time
$150
N/A

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 manufacturer’s warranties of up to five years.

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

Best Bank of America Cards for Extended Warranties

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.

Bank of America® Customized Cash Rewards Credit Card Review

at Bank Of America'ssecure website

EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

  • Enjoy a $200 cash rewards bonus after spending at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings and 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
  • Unlimited 1% cash back on all other purchases
  • Introductory 0% APR for your first 15 billing cycles for purchases and balance transfers made within 60 days of account opening (balance transfer fee applies), then a variable APR applies
  • Preferred Rewards members earn 25% - 75% more cash back on every purchase
  • $0 Annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 billing cycles
0% for 15 billing cycles
14.24% - 24.24% Variable
$0
Good/Excellent

The Bank of America® Cash Rewards 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 the warranty are used, collectible, or antique items, commercial- or professional-use items, physical damage, motorized vehicles, software, and living items.

Bank of America® Travel Rewards Credit Card Review

at Bank Of America'ssecure website

EXPERT'S RATING

★★★★★
4.7

OVERALL RATING

  • Earn 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel purchases
  • Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time, and no expiration on points
  • Enjoy no annual fee and no foreign transaction fees while earning points to use for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Introductory 0% APR offer on purchases, then a variable APR applies
  • Preferred Rewards members earn 25%-75% more points on every purchase. That means you could earn up to 2.62 points for every $1 you spend, everywhere, every time.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% APR for 15 billing cycles
N/A
13.99% - 23.99% Variable
$0
Excellent/Good

The Bank of America® Travel Rewards 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.

Bank of America® Premium Rewards® Credit Card Review

at the issuer'ssecure website

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

  • Earn 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 1.5 points for every $1 spent on all other purchases
  • Flexibility to choose how you redeem your points – redeem for cash back as a deposit into Bank of America® checking or savings accounts, for credit to eligible Merrill® accounts including 529 accounts, as a statement credit to your balance, or for gift cards and purchases at the Bank of America Travel Center
  • Get up to a $100 Airline Incidental Statement Credit annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees - automatically applied to your card statement. Also get up to $100 in Airport Security Statement Credits towards TSA Pre✓ ® or Global Entry Application fees, every four years.
  • No foreign transaction fees
  • $95 Annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 23.24% Variable
$95
Good/Excellent

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® Cash Rewards 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.

Best Capital One Cards for Extended Warranties

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.

EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • 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®
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 24.24% (Variable)
$95
Excellent, Good

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 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.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X 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
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.24% - 25.24% (Variable)
$0
Excellent, Good

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.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 15.24%-25.24% variable APR after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.24% - 25.24% (Variable)
$0
Excellent, Good

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.

Best Chase Cards for Extended Warranties

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.

EXPERT'S RATING

★★★★★
4.7

OVERALL RATING

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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, 50,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.24% Variable
$550
Good/Excellent

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.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 23.24% Variable
$95
Good/Excellent

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.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% - 23.99%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
15.24% - 23.99% Variable
$0
Good/Excellent

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.

Best Citi Cards for Extended Warranties

We applaud Citi for making available online all the details regarding its standard extended warranty program. The program covers purchases made with a Citi credit card and/or ThankYou Points.

Exclusions include motorized vehicles, products and services not covered by a manufacturer’s warranty, used items, antiques, real estate, plants, live animals, and items purchased for resale, commercial use, or professional use. You have a set number of days from the loss date to complete your claim submission.

However, Citi removed the benefit from most of its cards, except for this one:

CITI® RATING

★★★★★
4.7

OVERALL RATING

  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 15.99%. Citi Flex Plan offers are made available at Citi's discretion.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% (Variable)
$0
Excellent

Additional Disclosure: Citi is a CardRates advertiser.

The Costco Anywhere Visa® Card by Citi comes with extended warranty coverage that provides an additional coverage outside the manufacturer’s warranty. Coverage commences after the manufacturer’s warranty and any purchased extended warranties expire, up to several years from the purchase date.

The extended warranty covers the lesser of the cost to repair/replace the item, the purchase price, or the amount charged to the credit card. Coverage is capped at $10,000 per item. The extended warranty will be voided for items that have not received appropriate care or service, recalled items, product defects, and natural disasters.

How Do Extended Warranties Work?

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. For instance, to file a claim for a Citi extended warranty, you call 1-866-506-5222. 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.

Which Credit Card Has the Best Extended Warranty?

The winner is Citi. It is the only issuer that offers an extended warranty with two additional years of coverage.

The manufacturer’s warranty can have a term of up to five years, meaning you can receive up to seven years of coverage. That also beats the competition.

Furthermore, unlike the extended warranty programs of other issuers that cap the total amount covered for the account to one year, the Citi program has no such limits. Other programs typically cap total or annual coverage at $50,000.

Extended Warranties by Issuer

Note that on September 22, 2019, Citi ended its extended warranty program for some of its credit cards. This was part of a substantial scaling back of Citi credit card benefits.

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® Cash Rewards 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.

Do All Amex Cards Offer Extended Warranties?

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.

Amex Logo

American Express scaled back its extended warranty coverage from two years to one and completely removed it from cards with 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.

Thus, Amex cards ceded the high ground on extended warranties to Citi cards. If you consider extended warranty benefits especially important, you may want to reconsider getting an Amex card in favor of a Citi card.

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. For instance, you should know that, while the Citi Premier® Card continues to offer an extended warranty, the Citi® Double Cash Card no longer does.

Why do credit card issuers like Citi 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. We can call it Citi’s Choice.

Ranking Methodology

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.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.