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Do you have a big purchase on the horizon — maybe a new TV, camera, or refrigerator? The credit card that earns the most points or miles may not be the best card to swipe at checkout. While it's certainly important to consider how much you'll earn on your purchase, most rewards cards offer non-travel benefits that should weigh into the decision-making process.
A credit card extended warranty can help you keep your purchases protected for longer. Here are the best credit cards for extended warranty coverage.
How Do Extended Warranty Policies Work?
You may be familiar with extended warranties offered by a cashier or salesperson. An extended warranty typically adds between 12 and 24 months to the manufacturer's warranty.
For example, you purchase a new iPhone with Apple's Limited Warranty of just 12 months, and the salesperson asks if you want to purchase AppleCare+, Apple's extended warranty plan, which costs over $100 per year on most new phones. However, if you swipe the right credit card when buying your iPhone, you can receive similar extended warranty coverage to Apple’s pricey AppleCare+ without the extra expense.
The extended warranty coverage offered by your credit card mirrors the manufacturer’s warranty. It will only cover you for the same defects and faults listed in the product’s original warranty documentation. Just charge the full purchase price of the item to your credit card, and retain copies of the manufacturer’s warranty and any merchant or credit card receipts. If there is a covered fault after the manufacturer’s warranty expires, your credit provider could pick up the bill for the item's repair or replacement, or reimburse the purchase price.
Policies differ widely between credit card providers, so reading the guide to benefits specific to your credit card is crucial for determining your level of coverage.
Typical credit card extended warranty exclusions
In your guide to benefits, you'll also see a list of exclusions that's worth reading through before making a purchase.
The list of exclusions differs for each provider, but common exclusions include:
- Animals, plants, perishables, and consumables
- Used, antique, collectible, or pre-owned items
- Boats, cars, aircraft, or any other motorized vehicles (motorbike, truck, tractor, etc.)
- Computer software
- Medical equipment
- Land, buildings, or housing
- Items purchased for resale, professional, or commercial use
- Exclusions listed in the original manufacturer warranty
- Items without a manufacturer’s warranty
Credit Card Issuers Offering Extended Warranty Protection
Unlike purchase protection policies, which apply to items you just purchased, extended warranty benefits are typically most useful several years after purchase. Bilt and Citi claim the top spot, but not without some competition from Amex. Here's a quick overview:
| Credit Provider | Card Specific or Universal Extended Warranty Cover | Duration of Original Warranty | Total Potential Warranty Length | Max Claim Value |
|---|---|---|---|---|
| American Express | Up to 12 months | 5 years or less (combined manufacturer and purchased warranty) | 72 months (6 years) | $10,000 per item, $50,000 per calendar year |
| Bank of America | Up to 12 months | 3 years or less | 48 months (4 years) | $10,000 per item, $50,000 per calendar year |
| Bilt | Up to 24 months | 24 months of manufacturer's warranty and 24 months of purchased warranty | 72 months (6 years) | $10,000 per item, no annual cap |
| Capital One | Up to 12 months | Between 1 and 3 years depending on the card you hold; check your guide to benefits for details | 48 months (4 years) | $10,000 per item, $50,000 per cardholder |
| Chase | Up to 12 months | 3 years or less | 48 months (4 years) | $10,000 per item, $50,000 per account |
| Citi | Up to 24 months | 24 months of manufacturer's warranty and 24 months of purchased warranty | 72 months (6 years) | $10,000 per item, no annual cap |
The Best Credit Cards for Extended Warranty Coverage
There are likely dozens of cards from these issuers that offer extended warranty coverage, but we will highlight a few of our favorites. Unfortunately, some card issuers, including Wells Fargo, didn't make this list because they don't currently offer extended warranty coverage on any of their card products.
Best overall: Bilt Palladium Card
The best credit card for extended warranty protection might surprise you. In our eyes, the Bilt Palladium Card (Rates & Fees) takes the top spot. Extended Warranty coverage offered under the Palladium Card doubles a manufacturer's warranty of up to 24 months. If you purchase an additional warranty of up to 24 months, Bilt will still double the original manufacturer's warranty, which means you can be covered up to 72 months, or six years.
Interestingly, the benefits guide doesn't mention an annual maximum, so you could theoretically make multiple claims per year. You will be covered up to the actual purchase amount charged on your card, the actual cost of repair, or the actual cost of replacement, up to $10,000. If you spend a lot of money on something that's built to last, and it doesn't, the Palladium Card has you covered.
A maximum benefit amount and certain restrictions and limitations apply. Please review the Mastercard Guide to Benefits for details.
- Earn points on housing payments with no transaction fee
- Choose to earn 4% back in Bilt Cash on everyday spend. Use Bilt Cash to unlock point earnings on rent and mortgage payments with no transaction fee, up to 1X.
- 2X points on everyday spend
- $400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.
- $200 Bilt Cash (awarded annually). At the end of each calendar year, any Bilt Cash balance over $100 will expire.
- Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
- Priority Pass ($469/year value). See Guide to Benefits.
- Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
- Choose to earn 4% back in Bilt Cash on everyday spend. Use Bilt Cash to unlock point earnings on rent and mortgage payments with no transaction fee, up to 1X.
- 2X points on everyday spend
This is almost identical to Citi's policy, so what makes the Palladium Card take the top spot?
You earn 2X Bilt Points on everyday spending. So, no matter where you make your big purchase from, you'll earn 2X Bilt Points on your transaction. And according to recent AwardWallet user redemptions, Bilt Points are worth roughly 2.11¢ apiece. That means if you need to buy a $5,000 camera, you'll earn 10,000 Bilt Points worth around $208, which is a solid 4.2% return on your spending.
Related: Palladium Card Full Review
Runner-up: Citi Strata Elite℠ Card
Just like Bilt, Citi will double a manufacturer's warranty of 24 months or less. If you purchase an additional warranty of 24 months or less, Citi will still double the original manufacturer's warranty. That means you could potentially reach up to 72 months or six years of coverage. You'll be covered up to the amount charged to your card or the cost to repair or replace the item up to $10,000. Citi also doesn't impose an annual maximum, so you could make multiple extended warranty claims per year.
- Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
- Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
- Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
- Earn 1.5 Points per $1 spent on All Other Purchases
- Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
- No Foreign Transaction Fees
- 12X – Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.
- 6X – Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.
- 6X – Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time.
- 1.5X – Earn 1.5 Points per $1 spent on All Other Purchases.
The only reason the Citi Strata Elite℠ Card didn't make the top spot of extended warranty credit cards over the Palladium Card is that it earns a slightly lower 1.5X Citi ThankYou® Points per $1 spent on non-bonus category spending and charges a slightly higher annual fee of $595.
However, it does offer a $200 annual Splurge Credit℠. You can select up to two merchants from a long list of options to qualify for the credit. One potential merchant is Best Buy, which sells everything from a refrigerator to a computer. Using your Citi Strata Elite could help you save $200, earn 1.5X points, and stay covered for up to two additional years.
Several other Citi cards offer an extended warranty benefit, including the Citi Strata Premier® Card. If you already have a Citi card in your wallet, check your benefits guide for more information.
Related: Citi Strata Elite Full Review
Best for long initial warranty: Blue Cash Preferred® Card from American Express
The coverage from American Express is another great option if you don’t carry a Bilt or Citi card in your wallet.
The policy for Blue Cash Preferred® Card from American Express cardholders allows for a five-year initial warranty duration, which exceeds Citi's or Bilt's two-year policy. Amex also lets you purchase extended warranty packages from the manufacturer or retailer and still add 12 months' coverage, provided the manufacturer's warranty and the purchased warranty combined do not exceed five years. You can be reimbursed up to $10,000 per covered purchase and up to $50,000 per eligible card each calendar year.
In other words, the maximum coverage amount of six years is the same, but how we get there is different. Amex allows up to five years of initial warranty and will add up to one additional year, while Citi and Bilt offer up to four years of combined manufacturer and purchased warranty and will add up to two years. Choosing American Express can save you money, however, since you don't have to purchase your own warranty to reach the six-year mark.
Unfortunately, you'll earn just 1% cash back on non-bonus category spending with your Blue Cash Preferred. That said, it charges a $0 intro annual fee for the first year, then $95 (Rates & Fees), so it's an affordable card to keep in your wallet.
(Terms apply)
- Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- $0 intro annual fee for the first year, then $95.
- Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
- 6% Cash Back on select U.S. streaming subscriptions
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%)
- 3% Cash Back on eligible transit purchases including taxis/rideshare, parking, tolls, trains, buses and more
- 3% Cash Back on eligible purchases at U.S. gas stations
- 1% Cash Back on other eligible purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Extended warranty coverage is included in the vast majority of Amex-issued cards, from the no-annual-fee Delta SkyMiles® Blue American Express Card (Rates & Fees) to the $895 annual fee American Express Platinum Card® (Rates & Fees).
Still, be sure to check your card's terms or the extended warranty benefit page before purchasing to ensure it provides the same level of protection.
Related: Blue Cash Preferred Full Review
Best for comprehensive protections: Chase Sapphire Reserve®
It's hard to beat the comprehensive coverage offered by the Chase Sapphire Reserve®. If you want to stay protected, whether for your new dishwasher or your trip to the Bahamas, you'll want to use your Sapphire Reserve on your purchases.
Chase's extended warranty provides one additional year of coverage for items with a warranty of three years or less. Chase also allows you to purchase your own warranty, as long as the combined purchased and manufacturer warranties are three years or less. This is shorter than the five-year initial warranty allowed by American Express, but longer than the two-year initial warranty from Citi or Bilt. You'll be covered up to $10,000 per claim and $50,000 per account. You'll even be covered if you use your Ultimate Rewards to make the purchase, although you'll be reimbursed in dollars.
However, what sets the Sapphire Reserve apart is that it also gets purchase protection of up to $10,000 per item for up to 120 days, and return protection for up to 90 days and up to $500 per item.
- Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
- Member FDIC
- 8x points on all purchases through Chase Travel℠
- 4x points on flights and hotels booked directly
- 3x points on dining worldwide
- 1x points on all other purchases
Plenty of other Chase-issued cards offer extended warranty protection, including the no-annual-fee Chase Freedom Flex® and Chase Freedom Unlimited®. However, if you want one card that offers the most comprehensive travel and purchase coverage, it's the Sapphire Reserve.
Related: Sapphire Reserve Full Review
Best mid-tier card: Bank of America® Premium Rewards® credit card
If you want extended warranty coverage, you don't necessarily need to pay a premium for the privilege. As a cardholder of the Bank of America® Premium Rewards® credit card, Bank of America will double manufacturers' warranties of three years or less up to one additional year. You'll also earn 1.5X points per $1 spent on all non-bonus category spending.
The Bank of America Premium Rewards Card is also one of the few cards to offer purchase protection, worth up to $10,000 if your item gets stolen or damaged within 90 days of purchase, and return protection, worth up to $250 per item and $1,000 per year if you are dissatisfied with your item for any reason wihtin 90 days of purchase and the retailer won't accept the return.
- 2 points for every $1 spent on travel and dining purchases
- 1.5 points per $1 spent on all other purchases
Unfortunately, the drawback of the Bank of America Premium Rewards Card is that points can only be redeemed as a deposit into eligible Bank of America checking or savings accounts, for credit to an eligible account with Merrill, as a statement credit to your credit card, or for gift cards and purchases at BofA Travel — no access to transfer partners for outsized redemptions. Still, if you're looking for a fairly comprehensive extended warranty policy and low annual fee, the Bank of America Premium Rewards Card is a solid choice.
Related: Bank of America Premium Rewards Card Full Review
Best for no-annual-fee: Capital One VentureOne Rewards Credit Card
Capital One has historically issued cards on both the Visa and Mastercard networks. However, now that Capital One owns Discover, it also issues cards on the Discover network, which makes understanding your protections a bit more confusing.
Here's the extended warranty coverage you'll receive on your Capital One VentureOne Rewards Credit Card, depending on which network your card operates on:
- If issued as a Visa Signature: Doubles warranties up to one additional year on warranties three years or less, up to $10,000 per claim and $50,000 per cardholder
- If issued as a World Mastercard: No coverage.
- If issued on the Discover network: Doubles warranties up to one additional year on warranties two years or less, up to $10,000 per claim and $50,000 per cardholder.
In other words, if your card is a Visa or Discover card, you're in luck. Plus, you'll earn 1.25X Capital One Miles on your purchases.
- Earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening
- 1.25 Miles on every purchase
- 0% intro APR on purchases for 15 months; 18.49% - 28.49% variable APR after that
- No foreign transaction fees
- $0 annual fee
- 5 Miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 5 Miles per dollar on purchases through Capital One Entertainment
- 1.25 Miles per dollar on every purchase, every day.
Other Capital One cards that offer extended warranty coverage include the Capital One Venture Rewards Credit Card and Capital One Venture X Rewards Credit Card. These are also worth considering, as they give you the chance to earn 2X miles on all purchases. However, you'll pay an annual fee for the privilege.
Related: Capital One VentureOne Full Review
How To File a Claim
To make an extended warranty claim, you need to keep the credit card receipt, shop receipt, original manufacturer warranty, and the details of any customer-purchased extended warranty policy. You’ll be asked to provide the original credit card statement recording the purchase.
To initiate a claim, contact the relevant phone number below, or visit the listed website for your provider:
- American Express: Visit americanexpress.com/onlineclaim or call 1-800-228-6855 within 30 days of loss or as soon as possible. Submit proof of loss and requested documentation within 60 days.
- Bank of America: Contact the benefit administrator within 90 days of product failure.
- Bilt: Visit mycardbenefits.com or call 1-800-Mastercard within 60 days of the failure, or as soon as reasonably possible. Provide written proof within 180 days.
- Capital One: Call the Benefit Administrator at 1-800-397-9010 for information or to file a claim.
- Chase: Visit chasecardbenefits.com or call 1-800-350-1697 within 90 days of product failure or as soon as reasonably possible. Submit documentation within 120 days.
- Citi: Go to mycardbenefits.com or call 1-833-251-6404. You must report the claim within 60 days and submit proof within 180 days.
Necessary documentation for proof of loss will depend on your individual policy, but be prepared to submit the following information:
- Receipt showing covered item(s).
- Statement showing covered item(s).
- Itemized purchase receipt(s).
- Original Manufacturer’s Warranty or Store Warranty.
- Service contract or optional extended warranty, if applicable.
- Itemized repair estimate from a certified repair facility or service provider.
Final Thoughts
With extended warranty policies covering up to $10,000 per claim, the value derived from this benefit could comfortably eclipse the value of rewards earned over the time you hold the card.
Bilt and Citi both provide standout extended warranty policies, offering 24 months of extra protection on top of the combined manufacturer and purchased warranties of four years or less, delivering up to 6 years of warranty in total for items purchased with your Citi card. Amex also offers a top policy on many of its card products.
To maximize a policy, you could, in theory, purchase a short extended warranty and then piggyback the additional warranty on a credit card. Adding a year or two of warranty directly from a retailer could be relatively inexpensive. When those more expensive 3- or 4-year policies would be desired, you could skip them and leverage the coverage on your credit card.
$595Rates & Fees
- 12X – Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.
- 6X – Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.
- 6X – Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time.
- 1.5X – Earn 1.5 Points per $1 spent on All Other Purchases.
$0
- 5 Miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 5 Miles per dollar on purchases through Capital One Entertainment
- 1.25 Miles per dollar on every purchase, every day.
$495Rates & Fees
- Choose to earn 4% back in Bilt Cash on everyday spend. Use Bilt Cash to unlock point earnings on rent and mortgage payments with no transaction fee, up to 1X.
- 2X points on everyday spend
Page Contents
- How Do Extended Warranty Policies Work?
- Credit Card Issuers Offering Extended Warranty Protection
- The Best Credit Cards for Extended Warranty Coverage
- Best overall: Bilt Palladium Card
- Runner-up: Citi Strata Elite℠ Card
- Best for long initial warranty: Blue Cash Preferred® Card from American Express
- Best for comprehensive protections: Chase Sapphire Reserve®
- Best mid-tier card: Bank of America® Premium Rewards® credit card
- Best for no-annual-fee: Capital One VentureOne Rewards Credit Card
- How To File a Claim
- Final Thoughts
For rates and fees of the cards mentioned in this post, please visit the following links: Bilt Palladium Card (Rates & Fees), Citi Strata Elite℠ Card (Rates & Fees), Blue Cash Preferred® Card from American Express (Rates & Fees), Delta SkyMiles® Blue American Express Card (Rates & Fees), American Express Platinum Card® (Rates & Fees), and Chase Sapphire Reserve® (Rates & Fees)
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