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The most effective bank cards for prolonged warranties

Editor’s observe: This can be a recurring put up, recurrently up to date with new info.


Once you make a purchase order, it’s useful to have the peace of thoughts of guarantee safety from the producer — particularly if it’s an costly merchandise. But when your merchandise breaks or is broken after the guarantee has ended, you could assume you’re out of luck.

The excellent news is when you put your buy on a bank card with prolonged guarantee safety, you should still be capable to obtain reimbursement for restore or alternative prices and even have the unique buy value reimbursed. That’s one thing to recollect now, specifically, as we head into the vacation purchasing season.

This information describes the right way to make the most of the prolonged guarantee profit supplied by choose bank cards in addition to lists a few of the greatest playing cards that supply prolonged guarantee safety. Think about using one in all them on your vacation purchases to make sure that the recipient is protected towards the sudden and might use the present you give them nicely into the long run.

The most effective prolonged guarantee playing cards

The knowledge for the Amex Inexperienced, U.S. Financial institution Altitude Reserve, and Hilton Aspire playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

What’s a bank card prolonged guarantee?

The prolonged guarantee safety supplied by choose bank cards successfully extends the producer’s guarantee on eligible merchandise bought with the cardboard. This safety mirrors the safety offered by the unique producer’s guarantee, so injury that might have been coated by the unique guarantee shall be coated by the prolonged guarantee.

Bank card prolonged guarantee protection varies. Some match the unique guarantee as much as a selected time frame. Others add a set period of time to the top of the unique guarantee. Nonetheless, there are often exclusions and most protection limits. Notice that prolonged guarantee safety covers all kinds of things, whereas the mobile phone safety supplied by choose bank cards solely covers cellphones.

Associated: Submitting an prolonged guarantee declare — a reader success story

Evaluating the most effective bank cards for prolonged warranties

It’s vital to notice that solely sure playing cards supplied by these issuers or banks supply prolonged guarantee safety.

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The next sections describe a few of the greatest client playing cards from issuers that supply prolonged guarantee safety.

Different playing cards not talked about right here additionally supply prolonged guarantee safety, so don’t assume {that a} card doesn’t supply this profit just because it isn’t listed on this information. Examine your card’s information to advantages for particulars.

Issuer, financial institution or community Extension interval Most protection Most size of preliminary guarantee
Citi 2 years. $10,000 per merchandise. 5 years.
American Categorical 1 12 months. $10,000 per merchandise, $50,000 per account per 12 months. 5 years.
Chase 1 12 months. $10,000 per declare, $50,000 per account. 3 years.
Visa Signature Match as much as 1 12 months. $10,000 per declare, $50,000 per cardholder. 3 years.
Visa Infinite 1 12 months. $10,000 per declare, $50,000 per cardholder. 3 years.
USAA Match as much as 1 12 months. $15,000 per declare, $50,000 per account. 3 years.

Associated: The last word information to bank card software restrictions

Evaluating the most effective Citi bank cards for prolonged warranties

Again in 2019, Citi eliminated many advantages from its playing cards to the dismay of many. Nonetheless, the Citi playing cards listed within the above desk nonetheless supply an prolonged guarantee profit. This profit extends the producer’s guarantee by two years, with whole protection not exceeding seven years from the acquisition date.

Citi doesn’t have a minimal producer’s guarantee required for protection, so a one-month producer’s guarantee would nonetheless be prolonged by two years on coated gadgets. If you are going to buy an prolonged guarantee, Citi’s protection begins on the expiration of that guarantee. To be eligible for protection, you could have paid for both all or a part of the merchandise along with your Citi card and/or ThankYou factors.

Citi’s prolonged guarantee protection doesn’t apply to:

  • Boats, automobiles, plane or another motorized land, air or water autos and their authentic gear (tires aren’t coated, both).
  • Companies, except coated beneath the producer’s guarantee.
  • Used, vintage or pre-owned gadgets.
  • Gadgets bought for resale, skilled or business use.
  • Land or buildings; housing properties.
  • Vegetation and reside animals.
  • Gadgets that don’t include a producer’s guarantee.

Moreover, Citi’s prolonged guarantee protection doesn’t apply when:

  • You fail to look after or service the merchandise appropriately as required by the producer.
  • The merchandise has a product defect, recall or experiences regular put on and tear the place no failure has occurred.
  • The merchandise is broken due to an act of God, equivalent to a flood, hurricane, lightning, wind or earthquake.

Associated: The most effective Citi bank cards

Evaluating the most effective American Categorical playing cards for prolonged warranties

Card Welcome bonus Incomes charges Annual price
American Categorical Inexperienced Card 40,000 factors after you spend $2,000 on purchases in your first six months of card membership. Phrases apply. 3 factors per greenback spent on journey, transit and eating places; 1 level per greenback spent on all different purchases. $150 (see charges and costs).
The Platinum Card from American Categorical Earn 80,000 Membership Rewards Factors after you spend $6,000 on purchases inside the first six months of card membership. 5 factors per greenback spent on flights booked immediately with airways or via Amex Journey (on as much as $500,000 per calendar 12 months) and pay as you go inns booked with American Categorical Journey. Earn 1 level per greenback spent on different purchases. $695 (see charges and costs).
American Categorical Gold Card 60,000 factors after you spend $4,000 on purchases in your first six months. Phrases apply. 4 factors per greenback spent at eating places and U.S. supermarkets (on as much as $25,000 per calendar 12 months, then 1 level per greenback); 3 factors per greenback spent on flights booked immediately with airways or via amextravel.com; 1 level per greenback spent on different purchases $250 (see charges and costs).
Hilton Honors American Categorical Aspire Card 150,000 factors after you spend $4,000 on purchases in your first three months. Phrases apply. 14 factors per greenback spent on eligible purchases at Hilton inns and resorts; 7 factors per greenback spent on U.S. eating places, automotive leases booked immediately with choose firms and flights booked immediately with airways or via amextravel.com; 3 factors per greenback spent on all different purchases. $450 (see charges and costs).
Marriott Bonvoy Good American Categorical Card Earn 150,000 Marriott Bonvoy bonus factors after you employ your new card to make $5,000 in eligible purchases inside the first three months of card membership. 6 factors per greenback spent at inns taking part within the Marriott Bonvoy program; 3 factors per greenback spent on U.S. eating places and flights booked immediately with airways; 2 factors per greenback spent on different eligible purchases. $650 (see charges and costs).
Delta SkyMiles Platinum American Categorical Card Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases in your new Card in your first six months of account opening. 3 miles per greenback spent on eligible Delta purchases and inns booked immediately; 2 miles per greenback spent at eating places and U.S. supermarkets; 1 mile per greenback spent on all different eligible purchases. $250 (see charges and costs).
Blue Money Most well-liked Card from American Categorical Earn a $250 assertion credit score after you spend $3,000 in purchases in your new card inside the first six months. 6% at U.S. supermarkets (on as much as $6,000 per calendar 12 months, then 1%) and choose U.S. streaming subscriptions; 3% on transit and U.S. gasoline stations; 1% again on all different eligible. purchases  $0 intro annual price for first 12 months, then $95  (see charges and costs).

The knowledge for the Amex Inexperienced and Hilton Aspire Amex playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

The Amex profit gives as much as $10,000 per coated buy and as much as $50,000 in a calendar 12 months per eligible card.* Presently, most Amex playing cards will match producer’s warranties of 1 12 months or much less and lengthen producer’s warranties of two to 5 years by one 12 months. Nonetheless, choose no-annual-fee playing cards not supply any prolonged guarantee protection. You’ll be able to see the present information to advantages for every American Categorical card that gives prolonged guarantee safety on American Categorical’ web site.

*Eligibility and profit ranges range by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.

An merchandise is eligible for protection if it was paid for with an eligible card or bought via the redemption of Membership Rewards factors and/or Pay with Factors.

The next gadgets aren’t coated:

  • Gadgets coated by an unconditional satisfaction assure.
  • Gadgets broken via alteration or modification of any variety.
  • Animals or residing crops.
  • One-of-a-kind gadgets together with antiques, art work and furs or beforehand owned and used gadgets (besides when refurbished by the unique producer).
  • Purchases which have a restricted lifespan like meals, fragrance, gentle bulbs, batteries, and so forth.
  • Bank cards, securities, paperwork and tickets, traveler’s checks and different negotiable devices together with present certificates, present playing cards, present checks, meals stamps, money or its equal, notes, accounts, payments, forex, deeds, proof of debt or intangible property and uncommon stamps or cash.
  • Gadgets which can be rented, leased or borrowed.
  • Motorized units or motorized gadget elements, aside from motorized units and motorized gadget elements which can be everlasting residential or enterprise fixtures that may be eliminated with out damaging the construction.
  • Everlasting residential or enterprise fixtures, additions or built-ins that may’t be eliminated with out damaging the construction.
  • Land or buildings.
  • A couple of article in a pair or set. Protection shall be restricted to not more than the worth of any specific half or elements, except the articles are unusable individually and can’t be changed individually, no matter any particular worth they could have had as a part of a set or assortment.
  • Downloadable companies, software packages, pc packages, working software program, firmware and different software program of any variety.
  • Gadgets voluntarily or involuntarily discarded.
  • Oblique or direct damages to another merchandise or property ensuing from a coated occasion.
  • Gadgets bought to be used as resale (i.e., items bought as stock on the market).
  • Gadgets bought for skilled or business use, together with training, coaching or abilities, or for use in skilled competitors.

No protection is offered for:

  • Expenses for transport, dealing with, set up, meeting, skilled recommendation, upkeep or different service charges, warranties or memberships, together with prices or charges along with the alternative value.
  • Rebates, reductions or cash from lowest-price packages.
  • Any authorized protection prices or bills.
  • Any request to return a coated buy by a retailer, wholesaler or producer, together with product recall.
  • Further service contract, prolonged guarantee protection or bought service contract for a pc, pc element or half that’s purchased which already comes with an authentic producer’s guarantee and/or retailer’s guarantee, except such protection is offered and administered by the unique producer.
  • Repairs not accomplished at a certified restore facility or one other restore facility acceptable beneath the unique producer’s guarantee or utilizing aftermarket elements not permitted by the unique producer’s guarantee.
  • Bodily injury, together with injury as a direct results of pure catastrophe or an influence surge, besides to the extent the unique producer’s guarantee covers such bodily injury.
  • Eligible beneficiary’s participation in a felony, riot, civil disturbance, protest or rebellion.
  • Gadgets for which the mixture of the unique producer’s guarantee protection and/or buy service contract exceeds 5 years.

Associated: Selecting the most effective American Categorical card for you

Evaluating the most effective Chase bank cards for prolonged warranties

Card Signal-up bonus Incomes charges Annual price
Chase Sapphire Most well-liked Card 60,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening. 5 factors per greenback spent on all journey bought via Chase Final Rewards, excluding lodge purchases that qualify for the $50 anniversary credit score.

3 factors per greenback spent on eating, together with eligible supply companies, takeout and eating out.

3 factors per greenback spent on choose streaming companies.

3 factors per greenback spent on on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment).

2 factors per greenback spent on all different journey.

1 level per greenback spent on all different purchases.

$95.
Chase Sapphire Reserve 80,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening. 10 factors per greenback spent on inns and automotive leases bought via Chase Final Rewards (excluding the $300 annual journey credit score).

5 pointer per greenback spent on flights bought via Chase Final Rewards (excluding the $300 annual journey credit score).

3 factors per greenback spent on journey and eating.

10 factors per greenback spent on Lyft rides via March 2025.

1 level per greenback spent on different purchases.

$550.
Chase Freedom Limitless Earn an extra 1.5% money again on all purchases as much as $20,000 spent within the first 12 months – value as much as $300 money again. 5% on journey booked via Chase Final Rewards (as much as 6.5% for the primary 12 months).

3% on eating and drugstores (as much as 4.5% for the primary 12 months).

1.5% on different purchases (as much as 3% for the primary 12 months).

None.
Chase Freedom Flex $200 after you spend $500 on purchases in your first three months from account opening. 5% on choose classes that rotate quarterly (activation required) and journey booked via Chase Final Rewards.

3% on eating and drugstores.

1% on different purchases.

None.
Southwest Speedy Rewards Plus Credit score Card Earn 75,000 bonus factors after spending $3,000 on purchases within the first three months from account opening. 2 factors per greenback spent on Southwest purchases.

2 factors per greenback spent on native transit and commuting (together with ride-hailing companies).

2 factors per greenback spent on web, cable, telephone companies and choose streaming.

1 level per greenback spent on all the pieces else.

$69.
United Explorer Card Earn 60,000 bonus miles after you spend $3,000 on purchases within the first three months from account opening. 2 factors per greenback spent on United purchases, eating places and lodge lodging booked immediately with inns.

1 level per greenback spent on all different purchases.

$95, waived the primary 12 months.
British Airways Visa Signature Card Earn as much as 100,000 Avios. Earn 75,000 Avios after you spend $5,000 on purchases inside the first three months from account opening and earn an extra 25,000 Avios after you spend $20,000 within the the primary 12 months from account opening. 3 factors per greenback spent on purchases with British Airways, Aer Lingus, Iberia and Degree.

2 factors per greenback spent on lodge lodging when bought immediately with the lodge.

1 level per greenback spent on all different purchases.

$95.
World of Hyatt Credit score Card As much as 60,000 factors: 30,000 factors after you spend $3,000 on purchases inside the first three months from account opening. Plus, as much as 30,000 extra factors by incomes 2 factors per greenback spent on purchases that usually earn 1 level, on as much as $15,000 in your first six months. 4 factors per greenback spent on Hyatt purchases.

2 factors per greenback spent on native transit, commuting, eating, health club memberships and airline tickets bought immediately from airways.

2 factors per greenback spent on purchases that usually earn 1 level, on as much as $15,000 within the first 6 months of account opening.

1 level per greenback spent on all different purchases.

$95.

Most Chase playing cards, together with however not restricted to the entire playing cards listed above, will lengthen eligible U.S. producers’ warranties of three years or much less by one extra 12 months. Purchases made utilizing rewards factors are additionally eligible for the prolonged guarantee profit. You’re coated as much as $10,000 per declare and as much as $50,000 per account.

Associated: How I used Chase’s prolonged guarantee profit to get a brand new telephone

The next gadgets aren’t coated:

  • Boats, vehicles, plane and another motorized autos and their motors, gear or equipment, together with trailers and different gadgets that may be towed by or connected to any motor vehicle.
  • Any prices apart from these particularly coated beneath the phrases of the unique manufacturer-written U.S. restore guarantee, as equipped by the unique producer, or different eligible guarantee.
  • Gadgets bought for resale, skilled or business use.
  • Rented or leased gadgets.
  • Laptop software program.
  • Medical gear.
  • Used or pre-owned gadgets (refurbished gadgets shall be coated so long as they’ve a guaranty and wouldn’t be thought-about used or pre-owned).

Associated: The most effective Chase bank cards

Different playing cards with prolonged guarantee advantages

Another playing cards additionally supply prolonged guarantee advantages. FILADENDRON/GETTY IMAGES

Visa Signature and Visa Infinite playing cards — such because the Capital One Enterprise X Rewards Credit score Card, the Capital One Enterprise Rewards Credit score Card and the U.S. Financial institution Altitude Reserve Visa Infinite Card — supply prolonged guarantee safety. Each card varieties will lengthen warranties of three years or much less and can cowl as much as $10,000 per declare and as much as $50,000 per cardholder.

Visa Signature playing cards will match warranties of lower than one 12 months and lengthen warranties of 1 to a few years by one 12 months, whereas Visa Infinite playing cards will lengthen warranties of as much as three years by one 12 months. Advantages are solely out there to accounts permitted for a Visa Signature or Visa Infinite card. Phrases apply.

Associated: The most effective Visa bank cards

USAA bank cards additionally supply prolonged guarantee safety that can match warranties of lower than one 12 months and lengthen warranties of 1 to a few years by one extra 12 months. You could be coated as much as $15,000 per declare and as much as $50,000 per account.

Easy methods to make the most of bank card prolonged warranties

There are a number of gadgets it is best to save after shopping for one thing that has a producer’s guarantee when you’ve used a bank card that options an prolonged guarantee profit:

  • Unique retailer receipt.
  • Bank card assertion for the month exhibiting the cost.
  • Producer’s guarantee booklet or doc.

If one thing you personal breaks and has a producer’s guarantee:

  1. Examine the producer’s guarantee. If the merchandise continues to be coated, start a declare with the producer.
  2. If it’s exterior the producer’s guarantee, verify the advantages information for the bank card that you simply used to make the acquisition.
  3. Name a advantages administrator if you might want to file a declare or have questions relating to the declare course of or eligibility. Name earlier than getting the merchandise repaired in case you’re required to ship it to a selected restore facility.
  4. Acquire documentation — which can encompass a restore quote, photographs of the broken merchandise, the unique receipt and the bank card assertion exhibiting the cost — and submit the declare.

If permitted, you’ll often obtain a verify or assertion credit score reimbursing you for restore prices, alternative prices or the unique buy value. In some circumstances, the advantages administrator could ask you to ship again the merchandise for inspection or restore.

What isn’t coated by bank card prolonged guarantee safety

The prolonged guarantee profit supplied by choose bank cards doesn’t cowl all purchases or all forms of injury. Your buy gained’t be coated if an eligible producer’s guarantee didn’t initially cowl it. Moreover, most prolonged guarantee advantages have most protection lengths and protection limits per merchandise, declare or account.

Antiques like this Wempe aviator watch from 1943 often gained’t be coated. LEON NEAL/GETTY IMAGES

Most prolonged guarantee advantages have set exclusions. Some forms of gadgets are generally excluded, like automobiles, boats, software program, crops, animals, antiques and merchandise usually hard-wired right into a home. Likewise, some forms of injury like energy surges, unintentional injury, catastrophes, put on and tear and riots are often excluded. You could find the entire exclusions in your card’s information to advantages.

Backside line

Bank cards can give you invaluable safety in case your merchandise breaks or is broken after the producer’s guarantee has ended.

Concentrate on which bank card gives the most effective prolonged guarantee safety and what the bounds are of the profit.

Lastly, when you do lodge a declare, guarantee that you’ve got all of the required documentation able to submit.

Associated guides:

Further reporting by Emily Thompson, Madison Blancaflor and Senitra Horbrook.

For charges and costs of the Amex Inexperienced Card, click on right here.
For charges and costs of the Amex Platinum Card, click on right here.
For charges and costs of the Amex Gold Card click on right here.
For charges and costs of the Hilton Aspire, click on right here.
For charges and costs of the Marriott Bonvoy Good card, click on right here.
For charges and costs of the Delta SkyMiles Platinum Amex, click on right here.
For charges and costs of the Blue Money Most well-liked, click on right here.

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