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How Does LendingTree Get Paid?
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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

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LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Which Credit Cards Offer an Extended Warranty?

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

If you’ve ever had an item break after the warranty expires, you know the pain and expense involved in getting it repaired or having to purchase a replacement. However, if you used a select credit card to buy the item, you may receive an extended warranty and up to $50,000 in coverage.

Extended warranty protection is just one of several protection benefits that some credit cards offer at no additional cost. It can come in handy after your product warranty expires by extending the warranty by one or two years. Keep in mind, coverage provided by your credit card is secondary to any service contract or extended warranty that is offered by the manufacturer.

When an extended warranty claim is approved, your card issuer may have the product repaired or replaced, or you may be reimbursed up to the amount of the item purchased. The exact terms for extended warranty protection vary by issuer, so you should familiarize yourself with what’s covered and how much you may be covered for before filing a claim.

Here, we’ll review the extended warranty terms provided by major issuers, exclusions and how to file a claim.

Extended warranty by issuer

In the past year, 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, there are still some issuers that provide extended warranty protection. If you’re in the market for a large-ticket item, such as an appliance or electronics, choosing to purchase that item with a credit card that has extended warranty coverage can be a good idea.

Here are the extended warranty terms for major 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 1 extra year added to the original U.S. manufacturer’s warranty. Applies to warranties of 5 years or less.
Bank of America® Not specified Not specified Up to 1 extra year added to the original U.S. manufacturer’s warranty. Applies to warranties of 3 years or less.
Barclays $10,000 Not specified Up to 2 extra years added to the original manufacturer’s warranty. Applies to warranties of 2 years or less.
Capital One® $10,000 $50,000 Up to 1 extra year added to the original U.S. manufacturer’s warranty. Depending on if you have a Visa or Mastercard, this benefit applies to warranties of 1-3 years or less.
Chase $10,000 $50,000 Up to 1 extra year added to the original U.S. manufacturer’s warranty. Applies to warranties of 3 years or less.
Citi® $10,000 Not specified Up to 2 extra years added to the original manufacturer’s warranty, not to exceed 7 years from the original purchase date.

Popular American Express cards with extended warranty:

| Disclosures
American Express® Gold Card
American Express® Gold Card
on American Express's secure site
Terms Apply
N/A
19.74%-26.74% Variable
$250
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and 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.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
720 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


| Disclosures
The Platinum Card® from American Express
The Platinum Card® from American Express
on American Express's secure site
Terms Apply
N/A
See Pay Over Time APR
$695
5X Membership Rewards® points on flights booked directly with airlines or with
  • Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
  • Breeze through security with CLEAR® lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. Learn more.
  • $695 annual fee.
  • Terms Apply.
720 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Popular Barclays cards with extended warranty:

  • Barclaycard Ring® Mastercard®
  • Barclaycard Arrival Plus® World Elite Mastercard®

Popular Chase cards with extended warranty:

| Disclosures
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
on Chase's secure site
N/A
18.99% - 25.99% Variable
$95
5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
750 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


| Disclosures
Chase Sapphire Reserve®
Chase Sapphire Reserve®
on Chase's secure site
N/A
20.74% - 27.74% Variable
$550
5x points on flights and 10x points on hotels and car rentals
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
750 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Popular Citi cards with extended warranty:

| Disclosures
Citi Premier® Card
Citi Premier® Card
on Citibank's secure site
N/A
19.74% - 27.74% (Variable)
$95
Earn 3X points per $1 spent at restaurants, supermarkets, gas stations, air
  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
660 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

What are the exclusions?

Extended warranties set several limitations beyond maximum coverage per year and the amount of time that can be added to your eligible warranty — there are also numerous items that are excluded from coverage. Most items that are excluded, such as pets and beauty products, aren’t ones that come with warranties to begin with. Also, shipping and handling costs won’t be reimbursed.

Here are the common items that don’t qualify for purchase protection:

  • Motorized vehicles (cars, boats, motorcycles) and their attached parts (including tires)
  • Computer software or any type of video, digital, or audio discs or tapes, including video games
  • Collectable, one-of-a-kind, custom-built, and limited edition items (antiques, coins, furs, art, sports memorabilia, stamps, for example)
  • Services and additional costs (installation charges, warranties, memberships)
  • Items that can spoil or are consumable and need to be replaced after they have been used for a period of time (food, fuel, batteries, medications, beauty products or personal care products)
  • Animals
  • Living plants

In addition to excluded items, certain types of circumstances that caused the damage are often excluded:

  • Natural disaster
  • Acts of war, civil disturbance
  • Power surge
  • Product recall
  • Fraud, abuse or illegal activity

How to file a claim

You have several ways to file an extended warranty claim: calling your bank, submitting a claim form online or mailing a claim form. When filing a claim, you’ll need the original receipt, original manufacturer’s warranty, and damaged product. Your card issuer may also request additional documentation, such as a repair estimate.

Can you keep the item after you file a claim?

Not likely — your card issuer may require you to ship the eligible item to a specific location where it’ll be inspected. Your card issuer will provide reimbursement for the shipping cost.

To see rates & fees for American Express® Gold Card please click here.

To see rates & fees for The Platinum Card® from American Express please click here.

 

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