What’s the Best Credit Card Extended Warranty​ in 2025?

A credit card extended warranty is a benefit offered by some credit cards that adds additional time to the manufacturer’s warranty on eligible purchases. Typically, it extends the original warranty by up to one extra year and applies automatically when you use the credit card to make the purchase, though terms can vary by card issuer.

A credit card extended warranty is different from a manufacturer’s warranty or store warranty because it’s a free benefit that adds time to the original manufacturer’s warranty. A manufacturer’s warranty is included with most new products and covers defects in materials or workmanship for a set period of time. A store warranty (or protection plan) is sold by the retailer and may offer broader or longer coverage, but adds an extra cost to your purchase. In many cases, your credit card’s extended warranty might be sufficient.

If your credit card has extended warranty, the benefit typically activates automatically, with no registration needed. Extended warranty only applies to eligible purchases, which can vary by issuer. Most cards add one year to the manufacturer’s warranty, though terms differ. Coverage is often capped at around $10,000 per item and $50,000 per account.

Credit card extended warranty is typically offered through a credit card network like Visa, Mastercard or American Express. Credit card issuers then decide whether to include extended warranty as a benefit for their credit cards and might set varying levels of coverage. So, for example, Visa might have extended warranty available, but a credit card issuer might decline to have that benefit available for your specific credit card.

→ Learn more about Visa vs. Mastercard.

Extended warranty by bank

Issuer	Extended terms	Maximum coverage per item	Maximum coverage per year
	Up to one extra year added to the original U.S. manufacturer’s warranty. Applies to warranties of five years or less.	$10,000	$50,000
	Up to one extra year added to the original U.S. manufacturer’s warranty. Applies to warranties of three years or less.	Not specified	Not specified
	Automatically doubles the original manufacturer's warranty on eligible purchases. Not offered with all Capital One credit cards.	Not specified	Not specified
	Up to one extra year added to the original U.S. manufacturer’s warranty. Applies to warranties of three years or less. Not offered with all Chase credit cards.	$10,000	$50,000
	Up to 24 months added to the original manufacturer’s warranty, not to exceed seven years from the original purchase date. Only offered with the Citi Strata Premier℠ Card.	$10,000	Not specified
	Discover no longer offers extended warranties.	None	None
	Extends the time period of the original manufacturer’s warranty by one year. Applies to warranties of three years or less. Only offered with the U.S. Bank Shield™ Visa® Card and U.S. Bank Shopper Cash Rewards Visa Signature Card.	$10,000	$50,000
	Wells Fargo doesn’t offer extended warranty.	None	None

A credit card’s extended warranty typically mirrors the coverage provided by the original manufacturer’s warranty. For example, if your new laptop comes with a warranty for defects in materials and workmanship, the card’s extended warranty would likely continue that same coverage. Products that may be covered include:

• Cellphones
• Electronics
• Home appliances

Many credit cards with extended warranties offer coverage up to $10,000 per claim and $50,000 per cardholder, though limits can vary by card. To get the specific details for your card, check your benefits guide or call the number on the back of your card.

Credit card extended warranty doesn’t cover everything. While it generally extends the original manufacturer’s coverage, it excludes many types of damage and certain items. Here’s what it might not cover:

• Cars, boats, motorcycles and other motorized vehicles
• Used items
• Antiques and collectables
• Computer software
• Medical equipment
• Real estate
• Professional services
• Items with product guarantees

Credit card extended warranty coverage is often enough for many common purchases, especially electronics or appliances, as it typically mirrors and extends the manufacturer’s warranty. However, it may not be sufficient for more complex or high-value items, or if you want coverage for accidental damage, theft or wear and tear — which extended warranties don’t cover.

If you want broader protection, like accidental damage or longer terms, a retailer’s protection plan or standalone insurance may be worth considering.

1. Verify your eligibility.
   Check your credit card’s extended warranty terms to verify the item is eligible and that the original purchase date falls within the covered timeframe.
2. Gather the required documents.
   This can typically be found in your credit card benefits guide. Commonly required documents include:
   → A copy of the original purchase receipt
   → A copy of your card statement showing the item was purchased with your card
   → The original manufacturer’s warranty
   → Repair estimate or service diagnosis
3. Contact your credit card issuer.
   Call the number on the back of your card or go to your credit card’s benefits website or claims portal to start the claim process.
4. File the claim.
   Upload or mail in the documentation by the deadline (usually within 60 to 90 days of the issue). Make sure all documents are clear and legible to avoid delays in processing.
5. Wait for your claim to be reviewed.
   If approved, you’ll be reimbursed for repair costs or the item may be replaced. Some policies may directly cover the repair without reimbursement. Check the terms of your extended warranty for details.

• Keep receipts and documentation.

  Keep original receipts, warranty documents and your credit card statement for easy access in case you need to file a claim.

• Don't buy extended warranties from stores without checking your card first.

  The extended warranty that comes with your credit card might be sufficient.

• Use credit cards strategically for big-ticket items.

  Pay with a card that offers extended warranty, especially for electronics, appliances or other high-cost items.

• Know the claim limits.

  Most cards have per-claim and per-account maximums. For example, there might be a maximum of $10,000 per claim and $50,000 each year per account. Factor that in for high-value purchases.

• Act quickly if something breaks.

  Extended warranty claims usually have to be filed within a specific timeframe (often 60 to 90 days after the issue occurs).

• Combine extended warranty with purchase protection.

  Some credit cards offer purchase protection in addition to extended warranty. You can use both for broader coverage within the first few months.

According to a recent LendingTree survey, 47% of Americans currently have a store credit card, with 46% saying it’s their most used card. Store cards can be helpful in saving money at retailers you shop at frequently, but they often come with higher APRs and some can only be used at the specific retailer. Take a close look at the card’s terms and conditions and make sure it truly fits your needs before feeling pressured to sign up.

An example of a store credit card with extended warranty is the Prime Visa, which outside of earning excellent rewards on Amazon purchases, also offers elevated rewards in other popular categories and comes with access to a number of Chase benefits.