The U.S. Bank Shopper Cash Rewards™ Visa Signature® Credit Card offers outstanding extended warranty coverage and comes with excellent cash back categories. You’ll be covered for large purchases while also earning a healthy amount of cash back.
Maximizing cash back and other rewards from your credit card purchases is one of the things that many people think of when choosing a credit card. But it’s also smart to look at the other credit card benefits. One benefit that’s especially useful when you’re making a large purchase is an extended warranty.
Many credit cards will tack on an extra year of warranty coverage for your purchases, saving you from having to purchase extended warranty coverage from the retailer.
An extended warranty does just what its name implies: It extends the term of any manufacturer’s warranty for a product that you purchase with the card. Most extended warranties add a year to an eligible warranty. In some cases, where the warranty is less than a year, the extended warranty will double the time — a six month warranty will double to 12 months.
Many retailers will try to sell you extended warranties on purchases, especially electronics. It’s important to compare your credit card’s warranty benefit to the retailer’s coverage. If the coverage is nearly identical, then your credit card’s extended warranty should be sufficient.
Just remember, stores wouldn’t sell warranties if they were losing money on them. The chance that you’ll need to file a claim on a defective purchase is relatively small. In many cases, the manufacturer’s warranty plus the extended warranty from your credit card will suffice.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Maximum coverage per item: $10,000
Maximum coverage per year: $50,000
Fine print: Doubles the time period of the original manufacturer’s warranty by up to one additional year for warranties of three years or less.
The U.S. Bank Shopper Cash Rewards™ Visa Signature® Credit Card comes with an annual fee ($0 for 12 months, then $95), a shopping-friendly rewards program and an extended warranty plan to cover your purchases. In addition to a large sign-up bonus, the card offers 6% cash back on up to $1,500 in purchases from two retailers you choose each quarter. This makes it our overall top pick, since in addition to its warranty protections it can net you a lot of cash back.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Maximum coverage per item: $10,000
Maximum coverage per year: $50,000
Fine print: Up to one extra year added to the original U.S. manufacturer’s warranty. Applies to warranties of five years or less.
The American Express® Gold Card is a great credit card all around because you earn 4X Membership Rewards® Points at Restaurants (on up to $50,000 per calendar year in purchases, then 1X), Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point on all other eligible purchases. Terms Apply.
On top of the rewards, you get an extended warranty benefit that can add to the manufacturer warranty of purchases made with the card. The card does come with a $325 annual fee, so make sure to weigh the benefits against the cost of the annual fee to decide if the card is right for you.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
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Maximum coverage per item: $10,000
Maximum coverage per year: $50,000
Fine print: Up to one extra year added to the original U.S. manufacturer’s warranty. Applies to warranties of three years or less.
We like the Chase Freedom Unlimited® for its travel rewards. You’ll earn valuable rewards at a high rate that you can redeem for cash, travel, gift cards and other products and services.
The card offers an extra year of warranty protection and is also a great choice for financing a new purchase due to its intro APR. You’ll get a 0% Intro APR on Purchases for 15 months from account opening followed by a 20.49% - 29.24% Variable APR.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Maximum coverage per item: See terms
Maximum coverage per year: See terms
Fine print: Automatically doubles the original manufacturer’s/store’s warranty on eligible purchases. Extended warranty coverage varies based on the card network. If offered, extended warranty coverage is provided and serviced by third parties and not Capital One or its affiliated companies. See the network’s guide to benefits for complete details, including exclusions and limitations.
The Capital One Quicksilver Cash Rewards Credit Card is a great option for retail because it earns the same high rate of cash back no matter where you shop. You’ll earn unlimited 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
The card automatically doubles your warranty on eligible purchases. It also comes with an introductory APR, which means you can take your time paying off a large purchase without incurring extra debt.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Maximum coverage per item: $10,000
Maximum coverage per year: Not specified
Fine print: 24 months added to the original manufacturer’s warranty, not to exceed seven years from the original purchase date.
The Citi Strata Premier℠ Card comes with one of the most generous extended warranty programs out there, adding an additional 24 months to most original manufacturer’s warranties.
Besides that, it’s a great option for stacking up travel rewards. You’ll get elevated points on gas station, travel, entertainment and dining purchases. You can redeem Citi ThankYou points in a variety of ways, including transfers to more than 10 airline and hotel loyalty programs.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Maximum coverage per item: Not specified
Maximum coverage per year: Not specified
Fine print: Up to one extra year added to the original U.S. manufacturer’s warranty. Applies to warranties of three years or less.
We like the Bank of America® Premium Rewards® credit card because it offers so many reward redemption options in addition to its extended warranty protection. Current Bank of America and Merrill® banking customers will appreciate how easily it integrates with their existing accounts and earns rewards for a low annual fee.
This card is ideal for customers who have deposit accounts with Bank of America or Merrill since they may be eligible for a higher rewards rate through the Bank of America Preferred Rewards® program. Travelers will also find this card useful as there are many protections available to cardholders.
| Credit Cards | Our Ratings | Welcome Offer | Annual Fee | Rewards Rate | |
|---|---|---|---|---|---|
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U.S. Bank Shopper Cash Rewards™ Visa Signature® Credit Card*
Learn More
on U.S. Bank's secure site |
Overall winner
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$250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. | $0 for 12 months, then $95 | 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose, 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities), 1.5% cash back on all other eligible purchases. |
Learn More
on U.S. Bank's secure site |
|
American Express® Gold Card
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American Express extended warranty
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Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24. | $325 | Earn 4X Membership Rewards® Points at Restaurants (on up to $50,000 per calendar year in purchases, then 1X), Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point on all other eligible purchases. Terms Apply | |
|
Chase Freedom Unlimited®
Apply Now
on Chase's secure site |
Chase extended warranty
|
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases. | $0 | Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Apply Now
on Chase's secure site |
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Capital One Quicksilver Cash Rewards Credit Card
Apply Now
on Capital One's secure site Rates & Fees |
Capital One credit card with extended warranty
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Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening | $0 | 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) |
Apply Now
on Capital One's secure site Rates & Fees |
|
Citi Strata Premier℠ Card
Apply Now
on Citibank's secure site Rates & Fees |
Citi extended warranty
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Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com | $95 | 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental). |
Apply Now
on Citibank's secure site Rates & Fees |
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Bank of America® Premium Rewards® credit card
Apply Now
on Bank Of America's secure site |
Bank of America extended warranty
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60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening. | $95 | 2 points for every $1 spent on travel and dining purchases. 1.5 points for every $1 spent on all other purchases. |
Apply Now
on Bank Of America's secure site |
In recent years, many issuers have reduced additional card benefits, such as extended warranty and return and purchase protections. Some, like Discover, completely removed the benefits altogether. However, issuers including American Express, Capital One and Chase provide extended warranty protection on many of their credit cards. Here’s a look at the extended warranty programs of different credit card issuers:
| Extended warranty by credit card issuer | |||
| Issuer | Maximum coverage per item | Maximum coverage per calendar year per account | Fine print |
| American Express® | $10,000 | $50,000 | Up to one extra year added to the original U.S. manufacturer’s warranty. Applies to warranties of five years or less. |
| Bank of America® | Not specified | Not specified | Up to one extra year added to the original U.S. manufacturer’s warranty. |
| Barclays | $10,000 | Not specified | Up to two extra years added to the original manufacturer’s warranty. Applies to warranties of two years or less. |
| Capital One® | $10,000 | Depends on whether you have a Visa or a Mastercard | Depends on whether you have a Visa or a Mastercard. |
| Chase | $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. |
| Citi® | $10,000 | Not specified | Up to 24 months added to the original manufacturer’s warranty, not to exceed seven years from the original purchase date. |
| Discover | None | None | Discover no longer offers extended warranties. |
| U.S. Bank | $10,000 | $50,000 | Extends the time period of the original manufacturer’s warranty by one year for warranties of less than three years. |
| Wells Fargo | None | None | Wells Fargo no longer offers extended warranties. |
Generally a credit card’s extended warranty mirrors that of the original manufacturer’s warranty. For example, if your credit card offers an extra one year of coverage and your new laptop is protected against defective materials and workmanship for one year. After that year is over, the extended warranty from your credit card will likely do the same for an additional year.
Some items that may be covered include:
The issuer of your card can give you more details on what is and isn’t covered via phone or their website.
Many credit cards with extended warranties offer up to $10,000 per claim and a maximum of $50,000 per cardholder. You can call the number on your credit card to find out exact coverage details for your credit card.
There are also usually numerous items excluded from coverage. Most, such as pets and beauty products, don’t come with warranties to begin with. Also, shipping and handling costs won’t be reimbursed.
Here are the common items that often don’t qualify for purchase protection:
In addition to excluded items, certain types of circumstances that caused the damage are often excluded:
You have several ways to file an extended warranty claim:
When filing a claim, you’ll need the original receipt, original manufacturer’s warranty, credit card statement showing your purchase and damaged product. Your card issuer may also request additional documentation, such as a repair estimate.
Here are details on how to file an extended warranty claim for several major issuers. You can also call the customer service number on the back of your card for further information about the extended warranty claims process.
We selected the best credit cards for extended warranty through a review of cards available on LendingTree and from top issuers. In addition to looking for cards with extended warranty plans, we considered other features that make a credit card ideal for shoppers:
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The information related to the U.S. Bank Shopper Cash Rewards™ Visa Signature® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
