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Offers for the
Do you have a big purchase on the horizon — maybe a new TV, camera, or laptop? 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
A credit card extended warranty can help you keep your purchases protected for longer. Here are the best
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, an eligible credit card could extend an iPhone’s one-year limited warranty without an additional charge. Just keep in mind that extended warranty generally covers qualifying defects — not the accidental damage covered by AppleCare+.
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 |
| 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, depending on the card | 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.
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
- 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
You earn up to 2X Bilt Points on everyday spending. So, no matter where you make your big purchase, you'll earn up to 2X Bilt Points on your transaction. (Offer Terms) And according to recent AwardWallet user redemptions, Bilt Points are worth roughly 2.14¢ 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 for Citi Strata Elite℠ Card. 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 didn't make the top spot of extended warranty credit cards over the Palladium Card is that it earns a slightly lower 1.5X
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 laptops to cameras. 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.
The policy for Blue Cash Preferred® Card from American Express cardholders allows for a five-year initial warranty duration. 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 generally 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 annual fee, so it's an affordable card to keep in your wallet.
- 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 to the $895 annual fee American Express Platinum Card®.
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. 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 within 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: American Airlines AAdvantage® MileUp® Card
You don’t need a premium credit card to get valuable extended warranty coverage. The American Airlines AAdvantage® MileUp® Card has $0 annual fee and adds 24 months to an eligible manufacturer’s warranty, with total coverage capped at seven years from the purchase date.
That’s an important distinction from the Citi Strata Elite and Palladium Card, which double the original warranty for up to two additional years. For a purchase with a one-year manufacturer’s warranty, the AA MileUp Card adds two years of protection, while those cards add just one. If you purchase an extended warranty, the AA MileUp Card’s coverage begins after that warranty expires, subject to the seven-year limit.
Coverage is limited to the lesser of the repair or replacement cost, the purchase price, the amount charged to your card, or $10,000 per item. Keep your receipt, card statement, and warranty documents in case you need to file a claim.
The trade-off is earning fewer rewards on most big purchases. The AA MileUp Card earns:
- 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
- 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- 1 AAdvantage® mile for every $1 spent on other purchases
Still, two additional years of warranty coverage without an annual fee makes it worth considering for your next eligible electronics or appliance purchase.
Best no-annual-fee transferrable rewards: Capital One VentureOne Rewards Credit Card
Capital One has historically issued cards on both the
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 1-844-288-2140 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 up to 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: American Airlines AAdvantage® MileUp® Card
- Best no-annual-fee transferrable rewards: 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), and Chase Sapphire Reserve® (Rates & Fees)
When filing a claim, do you have to have a repair shop declare the item is malfunctioning or do they just take your word for it. Do you have to send the item back so they can verify it is broken? Thanks in advance to all who respond.
As of Feb 2022, the Citi Diamond Preferred card still adds 24 months to the original warranty on most purchases for a total warranty of 3 years. I’ve successfully made extended warranty claims several times from the Citi Doublecash card after the perk was dropped but as long as the purchase was made while the perk was still in effect, the claims are valid. Two on apple earphones, one on an iphone screen, one on iphone battery, a garden hose, and airpods. I’ve had claims initially denied for invalid reasons.
They’ll sometimes claim the extended warranty is no longer in effect, but if you have your ducks in a row, proof of purchase date, etc, you can defend the claim. Everyone on here that telephones customer service to determine if they have a valid claim are clowns. What do you expect, they’re in business to deny claims as much as they can.
Keep your documentation, and know what benefits are in force when making a purchase. Provide all the information they request, which is usually, receipt, repair or replacement estimate, picture of item, copy of warranty terms, and submit in writing. Usually takes about ten days and they cut a check.
Hi,
I just called Citi about the extended warranty and it said it doesn’t have the program anymore.
Which Citi card? We do mention in the post that Citi removed this benefit from the Double Cash. Please let us know if there is another.
My iPhone stopped working in mar 2021 and was purchased in oct 2018 using Amex Bonvey. Purchased 2 year apple care so warranty expired oct 2020.
Does Amex warranty kick in before or after AppleCare ?
As Amex changed from 2 years extended coverage to 1 in mid 2000, do they honor their program coverage that was in place when the item was purchased in 2018 ?
Thanks for any input
Generally, Amex extended warranty adds one year to the original manufacturer’s warranty. Amex considers the policy in place at the time you made the purchase. I’d recommend reaching out to the number on the back of your card and get connected with an Amex specialist about your situation. They’d be able to help clarify your options.
Visa signature cards all have extended warranties, regardless of the issuing institution. From the official USA Visa website:
“This benefit doubles the time period of the original manufacturer’s warranty. For terms of less than a year, the warranty is doubled, and for terms of one to three years, the warranty is extended by one year. So, for example, if the original warranty was for six months, this benefit would double the warranty for an additional six months, so you would have a total of one year of coverage; if the original warranty was for two years, this benefit would extend the warranty for an additional year, so you would have a total of three years of coverage. There is a per claim maximum and a per cardholder maximum. Please refer to full terms and conditions of the benefit for more details.”
Unfortunately, banks have the option to opt out of some of these card network benefits. For example, at the top of the Visa Signature Credit Card benefits page (https://usa.visa.com/pay-with-visa/cards/visa-credit-cards/visa-signature-credit-cards.html), Visa warns “Benefits may vary by card issuer, so please check with your card issuer to learn more about your specific Visa Signature card benefits and features.”
Does anyone have a copy of the actual Citi insurance contract for the extended warranty? They are making up reasons to deny my claim, based on things which are not stated in the “Guide to Protection Benefits”. They say they “don’t have room to list all the exclusions”, which is bull. But the Guide states that it is not the actual policy, and that you can snail mail the compliance department for a copy of the actual policy. I’d like to know if that actually says anything about my issue.
Unfortunately, this can happen every once in a while. These insurance benefits are managed by outside companies who have to bear the burden of claims. So sometimes these companies go rouge and improperly disallow claims or benefits. I’ve had this happen a couple of times on benefits in the past, and I’ve had a lot of luck complaining to the bank itself (Citi in your case and one of my cases) that the card benefits aren’t being followed. When the bank itself contacts these companies, it can change minds pretty quickly.
This is out of date. Most of the credit cards are now removing all warranty coverage.
Hey Gaius, can you provide a specific example of an error? We monitor these for updates, and I believe our info is correct with respect to warranty coverage.
Most here don’t sound they have ever made any claim for this so called extended warranty from Citi. Read their policies carefully. Citi doesn’t actually extend manufacture’s warranty of defect coverage. It denies any claims for the coverage of of defects. Sounds ridiculous? Dare to try it then. Citi’s extended warranty is a phony warranty. That is how it gets over of American express for extended warranty.
Hey there, sorry to hear you’ve had a bad experience. I’ve had two Citi extended warranty claims approved with a relatively easy process. We know the experience can be vastly different from one person to the next, so thanks for sharing a word of caution for others.
Will you be able to share what was the failure that was covered?
One of the claims was for a pair of Bose wireless headphones where the audio stopped working in one of the earbuds a few months after a 1 yr manufacturer warranty. Filed under Citi Prestige. The amount was around $100. I can’t find where I saved the details for the other one, but I’m pretty sure I’ve had two successful claims with the Prestige card.
You only update only the date on your article?
Thats unethical.
Almost 90% of the information is outdated and WRONG
Hey there, we update our posts regularly, and do our best to stay on top of the details. Would you mind sharing specifics?
Many of these cards no longer offer any extended warranty protections. For example, that benefit was dropped from the DoubleCash card over a year ago. And none of the no fee Amex cards have it either as of earlier this year.
Hey Greg, thanks for helping us stay current. In this case, I believe we have both of those covered in the post:
Amex: From January 1, 2020, Amex is reducing its coverage from 2 years on cards with an annual fee down to 1 year, and cutting the benefit entirely from no-annual-fee cards.
Citi: Due to Citi recently cutting benefits across its entire range of rewards cards, extended warranty cover is no longer offered on the Citi® Double Cash Card.
Did I miss a spot?
The way we present these could definitely be cleaned up for more clarity. I’ve got the post on my list for an overhaul. Let me know if I missed something.
I was given a FULL refund of over $400 (from my Chase card) for a cell phone that failed after the manufacturer warranty expired. Keep those warranties and receipts!! I scan every single one and save them forever!
Thanks for the tip. If i purchase phone online do I just save the transaction screen with what i paid? Also does anyone know if the Citi Rewards Plus have the 24 month warranty. If i remember to call i will post but also dont trust the citi website. I checked the benefits on my online account for the Double cash rewards and it was still stating it had the 24 month warranty plus the benefit that covers if the price of an item goes up. When i called to verify they told me that the card did not have those benefits and the rep did not quite believe me i had seen it on the account. I told her yep that it was showing for my preffered and double cash so i am glad i called.
Citibank discontinued as of September 22, 2019. American Express just sent out “updates” – is will be discontinued as of January 1, 2020. Customer service reps are clueless. Wonder if Chase will follow?
Barclay Arrival Plus is discontinuing the extended warranty with their card. “Changes to your Barclays Arrival Plus World Elite MasterCard® Benefits effective November 1, 2019:
Your Auto Rental Collision Damage Waiver and Identity Theft benefits are being enhanced. In addition, you are eligible to receive Cellular Telephone Protection. Your Extended Warranty, Price Protection, Purchase Assurance, Satisfaction Guarantee and Trip Delay benefits are being removed, however claims can be submitted for eligible purchases made through October 31, 2019. Restrictions, limitations and exclusions apply
Thanks for the info!
Citibank has ended Extended Warranty, car rental coverage, purchase protection, price rewind from all of their cards effective nest month. That even includes the American Airlines Executive card and the Citi Prestige Card, both of which are $450 cards.
Hey Byron, thanks for the comment. We’re working on getting all our content updated for these disappointing changes.
What? Where did you hear that Extended Warranty was cancelled? It’s still showing on their website and nobody else is blogging about that one.
Has anyone gone through this process with Citi? I just bought a OLED TV on my Citi DoubleCash card so have the coverage but have been debating an extended warranty depending how simple this process is in the even the TV breaks and needs repair or stops working entirely.
This article has some issues.
Table shows Barclaycard, but link only points to Arrival Plus. Is it for all or just Arrival Plus?
You say AmEx is now matching Citi’s 2+ years, but the table still shows matching for warranties less than 2 years. Which is it?
Not sure what you’re confused about. We link to an example from Barclaycard, the Arrival Plus, which is a likely card our readers will have. You should check your own card’s policy. For Amex/Citi, we call out that Amex will match Citi up to 2 years. Sorry for any confusion.
In the case of Citi you say “The example we’ve presented in the table is the guide to benefits for the Citi Premier℠ Card, but the same policy applies across the full spectrum of Citi cards…” But it doesn’t say this anywhere for the other brands. If you include this the article will be more complete. It’s not inaccurate, it’s just incomplete.
And in the text it says “From August 1, 2018, Amex is matching Citi’s 24 month cover on warranties up to 5 years, but with one small caveat; where Citi states no annual cap on claims, Amex will cap its new policy at $50K per year.” The table (and I what I confirmed on other sites) says AmEx is only matching the 24 month cover on warranties from 2-5 years. So that statement should include both caveats in order to be accurate. As is the statement conflicts with the table.
Thanks
I was interested in applying for a Citi DoubleCash card, for the extended warranty feature. Unfortunately, on the Citi site, I can’t find anything associated with the DoubleCash card, that confirms that they still offer the Extended Warranty option (for that card) and exactly what it covers and the requirements for using it.
Calls to Citi left me frustrated, as three representatives didn’t even seem to know what I was talking about when I inquired about exactly which cards had the extended warranty feature, and where I could find resource material online that spelled the details out for specific cards.
I told them that I wasn’t interested in applying for a card that I had to wait until after application, approval and receipt of the card to find out what the details of the benefits are.
They do still have it by the way, 2-year extension of manufacturer’s warranty. It’s easy to find once you have the card at least, under Benefits->Extended Warranty.
Has anyone ever used this feature on their card? I’d be interested to hear how easy/difficult it is to file. I’m in the habit of scanning my original receipts whenever I buy something with a warranty – I wonder if that would suffice here? Or if you need the actual original paper receipts?
Scanned copy works. I’ve used this several times. It is a straightforward process where you submit everything online.
Citi does standout in this area. Good card to put big purchases on.
This is very useful information. Great feature on credit cards.
Well this is something to think about. I’m going to be getting a laptop soon.
I’ll have to look at my freedom, Freedom unlimited and Sapphire rules. If you were looking to boost miles and warranty, which would you go for?
I’d personally use a Citi card. What are you thinking is best for you?
I am leaning more towards the Freedom, if I can get thru with 5x points Chase pay or Sumsung Pay, otherwise the Freedom Unlimited. Now I’m thinking that an extended warranty might be best. Prices have come down on non apple laptops though.
I’m torn between points and an extended warranty :\
Sounds like Freedom Unlimited makes the most sense for you then.
Wow. Thank you. I hope I remember that there are 24 month warranty cards when I make my next electronics purchase, and don’t sacrifice that by just remembering the best rebate.
Thanks! Did not realize my Citi card gave such good protection. I am going to have to start scanning my receipts as so many of them fade by the time I need to prove a purchase.
An important consideration, particularly for large purchases. Have to try to keep this in mind from now on.
Great article, good food for thought.
I am planning to purchase a big screen TV in the near future and based on this article , I will think more carefully about how I pay for it.
So far I haven’t had any problems with major purchases as they seem reliable enough to last long enough for me to want to change … but you never .
Thanks for another very informative and useful blog
For the CSR you get price protection on the full amount of the purchase even if only part of it was on the card. Not sure if the same applies to extended warranty coverage but that would be a good thing to get clarity on before combining GC and CC payment.
That is not the case. The terms specifically state “You will only be reimbursed up to the amount charged to your Account or the program limit.” Since $50 is the limit, just make sure you charge at least $50 on the CSR and then you can use the rest of with gift cards. However, if you charge $20 on the CSR, that’d be the most you’d be able to get back.
good reminder about something that I hope I never need
This makes the citi double cash card so much better. thanks!
This is definitely a feature of my credit cards that I forget to use. I will admit that I don’t often keep all the paperwork associated with my purchases so I might not qualify anyway. This is something For which I’m going to have to develop a system for future purchases.
I have used this benefit for a vacuum and it works. American express also has a good warranty and I did not know that citi was better than Amex. This was a good article with helpful hints.
Wow, fantastic breakdown. I’ll definitely be considering my card choice for large purchases a little differently going forward. Bookmarked.
Very interested series of pieces, thank you.
This is one of the coolest perks that some cards offer.
It boggles my mind how few people actually utilize this
I have several large purchases planned in the next few months so this is a very timely and helpful post for me. Thanks!
And I was planning on buying my new phone with my American Express. Thank you!
not really extended warranty but don’t forget wellsfargo cell phone insurance if the your bill is paid with wellsfargo CC.
Bam! https://awardwallet.com/credit-cards/best-credit-cards-with-cell-phone-protection/
Does Chase provide extended warranty only with Sapphire reserve or with other free cards like the Freedom card as well?
Each card has its own level of coverage, but yes, it is included on other cards.
Thanks!
Wow! Seven years! Now all I have to do is remember to purchase with the correct card, and then remember to attempt filing the claim for warranty years later. I guess I will have to set up a spreadsheet for this.
I keep copies of receipts/warranty with instruction manuals. Just stay organized and it is easy.
Always forget about this (but never needed it…yet). Always a good reminder. Thanks.
What a dandy amount of info to keep in mind! Thx!
But, now you can just remember the concept and this post rather than everything. Free up some space up there!
Thanks. I forgot about this benefit. I’ll keep this in mind, when choosing which card to use for a major electronics purchase.
For the warranty to be in effect, does the card used at time of purchase have to remain open?
Based on all my research, it does not. Information on Amex is mixed (public forums) and Citi has it documented that you’re covered as long as you were in good standing at the time of purchase. Chase has confirmed you’ll just need to keep track of the original card number to provide.
this is excellent info
I’m surprised Citi comes out on top. I would have assumed it would be American Express.
Good analysis.
This is actually a surprise to most. The built-in coverage with American Express as a rule, is sub-par to the built-in coverage you’ll see on other cards.
Actually just spoke to AMEX Platinum yesterday, they said they don’t do extended warranty anymore, they said they stopped last year in October
I called American Express today after seeing your post. They do have the extended warranty still on Platinum. They said the Hilton Honors and Bonvoy cards as well as the Black Card. They also have Purchase Protection so if you forget your iPad on a plane and you bought it less than 90 days ago, it is covered.
This is one of those benefits that I rarely think about. Thanks for pointing it out, as it has a value too.