How does extended warranty protection work?

Adds 1-2 years to the original manufacturer warranty Original warranty must be 3-5 years or less (varies by card) Only extends manufacturer warranties—not store warranties Must file with manufacturer first, then credit card Per-claim limits typically $10,000; annual limits $50,000

How do I file a extended warranty protection claim?

To file a extended warranty protection claim: 1) Gather documentation including receipts and proof of the covered event. 2) Contact your card issuer's benefits administrator. 3) Submit your claim within the filing deadline (typically 20-60 days). 4) Keep copies of everything you submit.

Which credit cards have extended warranty protection?

Many premium credit cards include extended warranty protection as a benefit. Coverage limits and terms vary by card. Check the coverage comparison table on this page to see which cards offer this benefit and compare their coverage levels.

kardfolio

Explore

Guides

Pricing

Extended Warranty Protection

Understand how credit card extended warranty coverage works and how to file claims.

Quick Facts

•Adds 1-2 years to the original manufacturer warranty
•Original warranty must be 3-5 years or less (varies by card)
•Only extends manufacturer warranties—not store warranties
•Must file with manufacturer first, then credit card
•Per-claim limits typically $10,000; annual limits $50,000

Benefit terms and coverage may vary. Always verify details with your card issuer before filing a claim. Information shown may not reflect recent changes to your card's benefits.

How Extended Warranty Works

Extended warranty protection automatically extends the original manufacturer's warranty on eligible purchases when you pay with your covered card. After the manufacturer warranty expires, the credit card benefit provides additional coverage—typically 1-2 years depending on your card.

What's Covered

•Electronics (TVs, computers, tablets, smartphones)
•Appliances (refrigerators, washers, dryers)
•Tools and power equipment
•Camera and photography equipment
•Audio equipment and home theater systems
•Sporting goods and fitness equipment with warranties

What's NOT Covered

•Motorized vehicles (cars, boats, motorcycles)
•Used, pre-owned, or third-party refurbished items
•Items purchased for commercial or business use
•Computer software and digital products
•Consumables (batteries, light bulbs)
•Items with warranties exceeding the maximum (typically 3-5 years)
•Leased or rented items
•Medical equipment and devices

Why Claims Get Denied

•Original manufacturer warranty exceeded the card's maximum length (3-5 years)
•Filed claim before manufacturer warranty expired (must exhaust manufacturer coverage first)
•Item purchased for business use on a personal card
•Missing original purchase receipt or warranty documentation
•Item was third-party refurbished without manufacturer warranty
•Missed the 60-90 day notification deadline after product failure
•Partial payment with gift cards or other tender (some issuers require full payment)

Claim Basics

•Contact benefit administrator within 60-90 days of product failure
•Obtain repair estimate from authorized service center
•File through your card's benefit portal with all documentation

Exact claim steps vary by issuer. You must file with the manufacturer first—the credit card benefit is secondary to the original warranty.

Documentation Checklist

•Original itemized purchase receipt showing item and price
•Credit card statement showing purchase transaction
•Copy of original manufacturer's written warranty
•Product serial number and model number
•Repair estimate from authorized service center
•Statement from technician if item is unrepairable
•Photos of damaged or malfunctioning item

Coverage Comparison

Card	Annual Fee	Coverage Limit	Coverage Scope	Warranty Extension	Max Orig Warranty	Max Total Warranty	Coverage Type
Citi Strata Elite Citi	$595	$10,000	Per Item	24 mo	—	—	Secondary
Blue Cash Preferred Card American Express	$95	$10,000	Per Item	12 mo	5 yrs	6 yrs	Secondary
Business Platinum Card American Express	$895	$10,000	Per Item	12 mo	5 yrs	6 yrs	Secondary
Delta SkyMiles Reserve American Express	$650	$10,000	Per Item	12 mo	5 yrs	6 yrs	Secondary
Gold Card American Express	$325	$10,000	Per Item	12 mo	5 yrs	6 yrs	Secondary
Green Card American Express	$150	$10,000	Per Item	12 mo	5 yrs	6 yrs	Secondary
Hilton Honors Aspire American Express	$550	$10,000	Per Item	12 mo	5 yrs	6 yrs	Secondary
Hilton Honors Surpass American Express	$150	$10,000	Per Item	12 mo	5 yrs	6 yrs	Secondary
Marriott Bonvoy Brilliant American Express	$650	$10,000	Per Item	12 mo	5 yrs	6 yrs	Secondary
Marriott Bonvoy Business American Express	$125	$10,000	Per Item	12 mo	5 yrs	6 yrs	Secondary
Platinum Card American Express	$895	$10,000	Per Item	12 mo	5 yrs	6 yrs	Secondary
Chase Sapphire Reserve Chase	$795	$10,000	Per Claim	12 mo	3 yrs	4 yrs	Secondary
Chase Sapphire Reserve for Business Chase	$795	$10,000	Per Claim	12 mo	3 yrs	4 yrs	Secondary
The Ritz-Carlton Credit Card Chase	$450	$10,000	Per Claim	12 mo	3 yrs	4 yrs	Secondary
Atmos Rewards Summit Bank of America	$395	$10,000	Per Claim	12 mo	3 yrs	—	Primary
Atmos Rewards Ascent Bank of America	$95	$10,000	Per Claim	12 mo	3 yrs	—	Secondary
Atmos Rewards Visa Signature Business Bank of America	$95	$10,000	Per Claim	12 mo	3 yrs	—	Secondary
Capital One Venture X Capital One	$395	$10,000	Per Claim	12 mo	3 yrs	—	Secondary
Chase Sapphire Preferred Chase	$95	$10,000	Per Item	12 mo	3 yrs	—	Secondary
Capital One Venture X Business Capital One	$395	$1,000	Per Item	12 mo	3 yrs	4 yrs	Secondary
Business Gold Card American Express	$375	Contact issuer	—	12 mo	5 yrs	6 yrs	Secondary
Premium Rewards Elite Bank of America	$550	Contact issuer	—	12 mo	3 yrs	—	Secondary

Track Your Benefits

Use kardfolio to track all your card benefits in one place. Never miss a credit or forget a claim deadline.

Get Started Free