Credit card extended warranty coverage: What to know

Credit card extended warranty coverage is a feature offered through some cards to help protect purchases.

Learning how the coverage works can help you take advantage of this benefit.

What you’ll learn:

• Some credit cards offer extended warranty coverage.

• Extended warranty coverage can add more time to the original warranty on products purchased using your card.

• Additional coverage can be helpful for major purchases, such as appliances, cellphones and TVs.

• If your card offers extended warranty coverage, you can check its benefits guide for more information.

A credit card extended warranty can offer an extra level of product protection. In general, it extends a product’s original manufacturer’s written warranty by one or two years, depending on your card’s terms. Some cards offer this warranty extension as a cardholder benefit.

If your credit card offers an extended warranty, it will add time to a manufacturer’s warranty. Eligible purchases are automatically covered, though some warranty coverages include the option of registering your transaction to make filing a claim easier if your product fails.

Be sure to check your card’s specific details and requirements for its extended warranty coverage.

For the most part, a credit card extended warranty covers the same issues as the warranty from the manufacturer. Items covered under extended warranty protection may include:

• Appliances 

• TVs and other large electronics

• Cellphones 

Keep in mind that each product’s eligibility for extended warranty protection will vary. For example, warranties may not apply to items above a certain price. There also may be a limit on how many purchases will be covered. For example, extended warranties may only cover up to $10,000 per claim and $50,000 per cardholder. And cards may have rules about how long the original product warranty is valid.  

A product’s eligibility may also vary if you use your card to make a partial payment for an item and pay the balance with another form of payment. In that case, the extended warranty may cover only the amount charged to the card—not the total purchase price.

Here are examples of items that are typically excluded from credit card extended warranty coverage: 

• Motorized vehicles, including cars, boats and motorcycles

• Items with lifetime product guarantees

• Used items, including antiques and collectibles

• Professional services that could include things like labor and maintenance services, product installation and technical support for software

• Computer software

• Repairs and installations in your home or on your property

• Some medical devices

• Land, real estate and vegetation

The best credit card for an extended warranty depends on your needs and lifestyle. But here are some possible considerations:

• Amount of coverage

• What coverage is excluded

• How long the extended warranty protection lasts

• Other card benefits

Capital One offers many credit cards with benefits that include an extended warranty. Here are some examples:

• Venture X and Venture

• Savor

• Quicksilver

• Capital One business cards

For more specific information about the extended warranty benefit on some Capital One credit cards, visit the Capital One Help Center.

Sometimes, a consumer can purchase an extended warranty through a product’s manufacturer or retailer. But having a credit card with an extended warranty benefit might mean there’s no need to buy a manufacturer’s extended warranty. This could save you money, especially if the manufacturer’s extended warranty is expensive or has hidden fees.

If you’ve made an eligible purchase and need to make a claim, it may be handled through your credit card network or your issuer. The exact procedure varies, but filing a claim generally involves these steps:

When you file a claim, you may need to submit copies of the following documents: 

• An itemized sales receipt 

• A copy of the manufacturer’s warranty 

• Original repair estimates, noting the cause of the product failure 

• A credit card statement showing that you used your card to make the purchase

Contact the benefits administrator or file online, if available, at the website listed in your card’s benefits guide. Follow the instructions to upload or send in your paperwork. Be sure to note deadlines to file, too. Some claims have to be filed within 60 days of the incident.

The typical next step is the administrator reviewing the claim. What happens next, if the claim is approved, will depend on whether you need to repair the item or buy a new one. You may be reimbursed or the administrator may arrange and pay to have the item repaired.  

Credit card extended warranties can give you extra coverage for things like appliances, electronics and cellphones.

Extended warranty coverage is just one of the benefits that may come with your credit card.

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