Understanding your card’s extended warranty benefits

Learn about extended warranty benefits, what’s typically covered and how to file a claim.

Many Capital One credit cards include an extended warranty benefit that can add additional time to the manufacturer’s warranty on eligible items, at no cost to you. This means if your covered item breaks down after the original warranty expires, you can file a claim and may be reimbursed for repair or replacement costs. 

 

If you have questions, contact a benefit administrator listed in your Benefits Guide, as some terms and conditions apply.

Eligible cards and cardholders

To see if your credit card includes an extended warranty benefit, check out the Network Benefits Guide for specific details about your card’s features. Cardholders on the Mastercard network can also find personalized benefits information by visiting Mastercard’s Priceless Benefits Portal. Not all cards are eligible for network benefits.

 

The extended warranty benefit typically adds time to the manufacturer’s warranty, provided you made the full purchase with your credit card, subject to the terms and conditions of the benefit.

 

It’s important to note you can’t purchase additional coverage beyond what’s offered through extended warranty protection.

Eligible purchases

Purchases that are typically covered

While coverage varies, common items eligible for extended warranty protection may include:

  • TVs

  • Cell phones, smart phones

  • Appliances that are not hard-wired or hard-plumbed (e.g., coffee makers and toasters)

 

Purchases that aren’t typically covered

  • Motorized vehicles (e.g., cars, boats and motorcycles)

  • Items with product guarantees (e.g., satisfaction guaranteed)

  • Used items (e.g., antiques and collectibles)

  • Real estate and items which are intended to become part of real estate (e.g., garage doors, dishwashers and ceiling fans) 

  • Professional services

  • Computer software

Activating extended warranty coverage

In most cases, you don’t need to take any special action to activate your extended warranty coverage. Simply use your eligible Capital One credit card to purchase the item. 

 

Coverage duration and reimbursement limits depend on your credit card and card network (Mastercard, Visa, etc.). Save your receipts and related documentation in case you need to file a claim for extended warranty protection.

Covering eligible purchases

To file a claim, you’ll need to contact your card network’s benefit administrator. You can find their contact information in your Benefits Guide

 

Most card networks require you to file a claim within 60-90 days of the incident.

 

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 product failure cause (you will be reimbursed for eligible estimate fees)

  • A monthly statement showing the product was purchased with an eligible credit card

Mastercard

Website: mycardbenefits.com

Phone: 800-627-8372


Visa

Website: cardbenefitservices.com

Phone: 844-288-2140
 

Discover®

Review your Benefits Guide.

Extended warranty protection is a benefit provided for the following Capital One credit cards:

Mastercard
World Mastercard Elite

Visa
Signature
Infinite

Your card network information can be found on the back of your credit card. 

Keep in mind that Retail & partner cards (e.g., Kohls, REI, etc.) have unique benefit suites and may not have the extended warranty benefit.

View your Benefits Guide or reach out to a benefit administrator to confirm your benefits.

View your Benefits Guide or visit Mastercard’s Priceless Benefits Portal (Mastercard cardholders only) to confirm coverage and to review the specific terms and conditions of your extended warranty protection benefit, if applicable.

Coverage duration and reimbursement limits depend on your credit card and card network (Mastercard, Visa or Discover).

While coverage varies, common purchases eligible for extended warranty protection may include:

  • TVs
  • Cellphones, smart phones
  • Appliances that are not hard-wired or hard-plumbed (e.g., coffee makers and toasters)
     

Purchases that aren’t typically covered:

  • Motorized vehicles (e.g., cars, boats and motorcycles)
  • Items with product guarantees (e.g., satisfaction guaranteed)
  • Used items (e.g., antiques and collectibles)
  • Real estate and items which are intended to become part of real estate (e.g., garage doors, dishwashers, and ceiling fans) 
  • Professional services
  • Computer software

In most cases, as long as you made a qualifying purchase with a credit card that includes extended warranty protection, no further steps are needed to be covered. 

Save your receipts and related documentation in case you are required to file a claim.

Note that Visa Signature cardholders with the extended warranty benefit can register their products and upload related documentation to streamline the claim process. 

To register a product, visit cardbenefitservices.com and select Register a product.

If the merchant refuses to refund or replace your purchase, contact the manufacturer. The manufacturer is typically responsible for honoring the manufacturer warranty, not the merchant. 

If the manufacturer declines to cover your purchase because the warranty period has expired, contact a benefit administrator listed in your Benefits Guide to check if the extended warranty protection may be applicable. Not all cards are eligible for network benefits.

Mastercard cardholders: mycardbenefits.com
Phone: 800-627-8372

Visa cardholders: cardbenefitservices.com
Phone: 844-288-2140

Discover cardholders: review your Benefits Guide.