Guide to extended warranty on Capital One Business cards

Capital One Business cards offer extended warranty benefits that may add time to an eligible manufacturer’s warranty when you purchase an item with your eligible Capital One Business card. 

Exact coverage, limits and exclusions can vary, so check your card’s benefits guide for details. Learn how extended warranty benefits work, what may be covered and how to file a claim.

An extended warranty benefit on a business credit card may add time to the original manufacturer’s warranty on an eligible item purchased with a business credit card. In most cases, coverage is automatically activated when the card is used to make the qualifying purchase.

If the item breaks after the manufacturer’s warranty expires, the cardholder may be able to file a claim for eligible repair or replacement costs. Coverage periods, claim requirements and reimbursement limits depend on the card’s specific terms.

All Capital One Business cards offer extended warranty benefits, but the coverage may vary by card and benefits provider. Check your card’s benefits guide for eligibility and terms.

Extended warranty benefits may cover eligible items purchased with a Capital One Business card that have an original manufacturer’s warranty. If a covered item breaks after that warranty expires, the benefit may reimburse eligible repair or replacement costs.

Common examples of what your Capital One Business card may cover include:

• Electronics: Smartphones, cellphones and TVs

• Portable appliances: Appliances that aren’t hardwired or hard-plumbed, like coffee makers and toasters

Typically, your extended warranty won’t cover:

• Motorized vehicles

• Used items

• Items with product guarantees

• Real estate or items intended to become part of real estate

• Computer software 

• Professional services

Requirements can vary by card, so check your card’s benefits guide for the specific terms that apply. For example, some Capital One Business cards may have coverage and claim requirements such as:

• Qualifying purchase: A portion or the entire cost of the item must be paid for using the eligible Capital One Business card, card rewards or a combination of the two.

• Original warranty length: The original manufacturer’s written warranty must be three years or less.

• Receipts and records: You may need to keep the original store receipt, your Capital One credit card statement and the manufacturer’s warranty to support a claim.

To file an extended warranty claim, you’ll typically follow these steps:

1. Gather documentation: Before filing, collect the required documents, including your itemized purchase receipt, Capital One billing statement showing the purchase and the original manufacturer’s warranty.

2. Submit your claim: Complete the claim form and upload all required documentation within the deadline specified. Most providers require claims to be filed within 60 to 90 days of the incident. To file an extended warranty claim, contact a benefit administrator listed in your Cardholder Benefits Guide for filing instructions and deadlines.

3. Receive a claim decision: Once your claim is reviewed, you may receive reimbursement for eligible repair or replacement costs, depending on your card’s coverage limits and terms.

Extended warranty benefits can help protect eligible business purchases beyond the original manufacturer’s warranty. Because coverage periods, limits, exclusions and claim requirements vary, review your Capital One Business card’s benefits guide before making a purchase or filing a claim.

Looking for a business card with benefits that support your business? Check whether you’re pre-approved for a Capital One Business card with no impact on your personal credit score.