What to know about credit card extended warranty coverage

Your credit card may offer an extended warranty to help protect your purchases. It’s important to know how the coverage works to take advantage of this benefit.

What you’ll learn:

• Some credit cards offer an extended warranty. 

• An extended warranty may add more time to a product’s original warranty.

• You can find your extended warranty information in your card’s guide to benefits.

An extended warranty is an extra level of product protection. In general, it extends a product’s original manufacturer’s written warranty. Some credit 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.

Credit card issuers like Capital One offer cards with extended warranty benefits that may apply to manufacturer-covered items purchased with an eligible credit card. Some common items covered under extended warranty protection may include: 

• Appliances 

• TVs

• Cellphones 

But keep in mind that each product’s eligibility will vary. Sometimes, warranties won’t apply to items above a certain price, and 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. Additionally, if you paid partially for something with your credit card, the extended warranty may cover only that amount—not the total purchase price.

Here are some examples of things that are generally excluded from credit card extended warranty coverage, but refer to your guide to benefits for full terms and conditions or contact the benefits administrator: 

• Motorized vehicles, including cars, boats and motorcycles

• Items with product guarantees 

• Used items, including antiques and collectibles 

• Professional services

• Computer software

• Real estate, including items that are permanently installed—hard-wired or hard-plumbed—such as ceiling fans

Once you’ve determined that your purchase is eligible for extended warranty coverage, it’s time to file a claim. To file a claim, you’ll likely use your network’s benefits portal. And 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 

You’ll also need to be aware of any time frames to submit your claim that are stated in your guide to benefits. Some extended warranties require you to report the issue within as few as 60 days of the incident. So don’t wait to file.

Credit card extended warranty coverage might give you some extra coverage for your credit card purchases. Coverage typically applies to things like appliances, TVs and cellphones. But keep in mind that things like motorized vehicles, computer software, professional services, items with product guarantees and used items—including antiques and collectibles—are typically excluded.

Credit card extended warranty coverage isn’t the only benefit you might get from a credit card network. For instance, yours may offer things like rental car insurance, cellphone protection and concierge service.

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