What to know about credit card extended warranty coverage

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. Some cards offer this warranty extension as an added 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.

Some common 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. 

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 property

If you’ve made an eligible purchase and you need to make a claim, it may be handled through your credit card network or through your issuer. Contact the benefits administrator or file online, if available, at the website listed in your guide to card benefits. Be sure to note deadlines to file, too. Some claims have to be filed within 60 days of the incident.

When you’re ready to 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

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

Extended warranty coverage is just one of the benefits that may come with your credit card. Other benefits can include rental car insurance and cellphone protection.

Whether you’re a globe-trotting adventurer, an avid foodie or someone who wants to earn cash back on everyday purchases, Capital One may have a rewards card to fit your lifestyle.

• See whether you’re pre-approved for rewards cards, with no harm to your credit scores. 

• Explore travel and miles rewards credit cards with unlimited miles. 

• Earn unlimited 1.5% cash back on every purchase, every day, with a cash rewards credit card.

Earn unlimited cash back, whether you’re going out or staying in, with a dining and entertainment credit card.