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 Visa’s® and Mastercard’s® Benefits Guides 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.
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:
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TVs
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Cell phones, smart phones
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Appliances that are not hard-wired or hard-plumbed (e.g., coffee makers and toasters)
Purchases that aren’t typically covered
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Motorized vehicles (e.g., cars, boats and motorcycles)
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Items with product guarantees (e.g., satisfaction guaranteed)
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Used items (e.g., antiques and collectibles)
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Real estate and items which are intended to become part of real estate (e.g., garage doors, dishwashers and ceiling fans)
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Professional services
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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:
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An itemized sales receipt
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A copy of the manufacturer’s warranty
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Original repair estimates noting the product failure cause (you will be reimbursed for eligible estimate fees)
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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
Do I need to register my purchase for the extended warranty benefit?
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.
What if the merchant declines the manufacturer warranty for my purchase?
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 to check if the extended warranty protection may be applicable.
Mastercard
Website: mycardbenefits.com
Phone: 800-627-8372
Visa
Website: cardbenefitservices.com
Phone: 844-288-2140
How do I file an extended warranty claim?
To file an extended warranty claim, contact a benefit administrator for filing instructions and deadlines.
Most providers require you to file a claim within 60-90 days of the incident, so make sure you know the timelines and avoid delay.
Mastercard
Website: mycardbenefits.com
Phone: 800-627-8372
Visa
Website: cardbenefitservices.com
Phone: 844-288-2140
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
- A monthly statement showing the product was purchased with an eligible credit card
Can I purchase additional coverage to extend my warranty?
You can’t purchase additional extended warranty coverage beyond what’s offered with your card.
The extended warranty coverage benefit can add time to the manufacturer’s warranty (at no cost to you), depending on your specific credit card’s benefits.
To learn more about the specifics of your extended warranty coverage, refer to your Benefits Guide or contact a benefit administrator.
Mastercard
Website: mycardbenefits.com
Phone: 800-627-8372
Visa
Website: cardbenefitservices.com
Phone: 844-288-2140