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Citi has emailed select accountholders to announce the addition of a new extended warranty benefit to two cards. This benefit is a pleasant surprise if you use such a card to make purchases that could use up to two years of extra coverage. And this move is a step toward reversing various negative changes Citi made to card benefits nearly five years ago.
Here is what you need to know about the new Citi extended warranty benefit.
Citi Adds an Extended Warranty Benefit to at Least Two Cards
Citi doesn't publish a full list of all the cards that now have the extended warranty benefit. However, we know that Citi has now added up to 24 months of extra coverage on eligible purchases to the following cards:
For reference, at least the following Citi cards already offer an extended warranty benefit:
- American Airlines AAdvantage® MileUp® Card
- Citi Strata Premier℠ Card
- Citi Prestige® Card
- Citi Rewards+® Card
- AT&T Access Card from Citi
If you are unsure about your card's specific coverage, check the terms and conditions or Guide to Benefits of the Citi product in your wallet to determine whether you now qualify for an extended warranty. However, if this benefit was recently added to your card, you should have received an email explaining the new coverage:
Related: Best Credit Cards for Extended Warranty
How Does the Citi Extended Warranty Coverage Benefit Work?
To get your Citi extended warranty coverage to kick in, you'll need to make a purchase with your qualifying Citi card. If the item has an original manufacturer's warranty of 24 months or less, your card will extend your warranty by up to that amount.
Or, if you purchase a 24-month warranty on top of an original manufacturer's or store warranty, your Citi will double your warranty for 24 extra months.
But if you cease to be a cardholder before your warranty coverage expires, you'll lose your coverage entirely.
Coverage limitations
And there are also a few limitations you'll want to be aware of. Your Citi extended warranty coverage is limited to whichever is lesser of the following:
- The actual purchase price of your product less taxes and shipping charges.
- The cost of repairing your item.
- Replacement cost for an item of the same quality and type.
- A coverage cap of $10,000.
What Is Not Covered by the Citi Extended Warranty Benefit
When dealing with insurance, it will come as no surprise that the devil is in the details regarding what is not covered. The list is long (Warning: PDF) and includes the following:
- Secondhand items.
- Products without a manufacturer or store warranty.
- Floor models.
- Any limited-life items ranging from pets, plants, and rechargeable batteries.
- Professional services.
- Software and applications.
- All types of media.
- Loses due to Acts of God.
- Loses due to war, invasion, insurrection, and such.
Related: 22 Credit Card Benefits Every Traveler Should Know About
Our Take
If you have the Citi Double Cash or the Citi Custom Cash, this new benefit should be welcome news. It puts the coverage on these cards in line with what's offered on more premium Citi cards, such as the Citi Strata Premier℠ Card and Citi Prestige® Card (not open to new applicants) — plus those offered by competing issuers.
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