March 1, 2023
*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.
This article was last updated March 1, 2023 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.
The U.S. Bank Shopper Cash Rewards™ Visa Signature® Credit Card is our top pick for best credit card for extended warranty. With no annual fee, you get extended coverage, plus rewards that you can customize to match your purchases from your favorite retailer.
Citi is an advertising partner.
How many times have you had an item stop working or break just days or weeks after the manufacturer’s warranty ends? The next time this happens, check to see if your credit card includes an extended warranty benefit. This benefit may give you up to an additional year of coverage for eligible items purchased with the card. With many cards offering up to $50,000 in coverage per year, this one benefit could save you hundreds or even thousands of dollars in a year.
Not all credit cards offer extended warranties, and there are exclusions, so not everything with a warranty will be eligible. Also, you need to have paid for the item with the credit card, and your account must be in good standing at the time you make a claim on the extended warranty.
Maximum coverage per item: $10,000
Maximum coverage per year: $50,000
Fine print: Extends the time period of the original manufacturer’s warranty by one year for warranties of less than three years.
Why we picked this card: The U.S. Bank Shopper Cash Rewards™ Visa Signature® Credit Card comes with an annual fee of $0 for 12 months, then $95, a shopping-friendly rewards program and just happens to feature an extended warranty plan to cover your purchases. In addition to a large sign-up bonus, the card offers 6% cash back from two retailers you choose each quarter.
| Pros | Cons |
|---|---|
| No penalty APR No security deposit required Reports to all three credit bureaus | Annual fee of $0 for 12 months, then $95 High purchase APR |
The U.S. Bank Shopper Cash Rewards™ Visa Signature® Credit Card is ideal for those who prefer cash back and enjoy customizing their earning categories each quarter. You’ll If you don’t mind some card maintenance and tend to spend heavily with a few particular retailers, this can net you a lot of extra cash back.
Maximum coverage per item: $10,000
Maximum coverage per year: $50,000
Fine print: Extends the time period of the original manufacturer’s warranty by one year for warranties of less than three years.
Why we picked this card: The U.S. Bank Shopper Cash Rewards™ Visa Signature® Credit Card comes with an annual fee of $0 for 12 months, then $95, a shopping-friendly rewards program and just happens to feature an extended warranty plan to cover your purchases. In addition to a large sign-up bonus, the card offers 6% cash back from two retailers you choose each quarter.
| Pros | Cons |
|---|---|
| No penalty APR No security deposit required Reports to all three credit bureaus | Annual fee of $0 for 12 months, then $95 High purchase APR |
The U.S. Bank Shopper Cash Rewards™ Visa Signature® Credit Card is ideal for those who prefer cash back and enjoy customizing their earning categories each quarter. You’ll If you don’t mind some card maintenance and tend to spend heavily with a few particular retailers, this can net you a lot of extra cash back.
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.
Why we picked this card: The American Express® Gold Card is great because you earn points on most food purchases, whether from restaurants or U.S. supermarkets.
| Pros | Cons |
|---|---|
| 4X points per $1 at restaurants, takeout and delivery Up to $120 annually in dining credits ($10 monthly, enrollment required) Uber Cash benefit No foreign transaction fees | $250 annual fee No lounge access Cannot carry a balance on some purchases Limits on earning higher rewards rates |
To see rates & fees for American Express® Gold Card please click here.
The American Express® Gold Card is great for foodies and frequent travelers. Whether dining out, getting takeout or cooking at home, you’ll earn rewards on many food-related purchases. Earn extra points on flights purchased through the airlines or Amex Travel, plus Uber and dining benefits and no foreign transaction fees.
To see rates & fees for American Express® Gold Card please click here.
To see rates & fees for American Express® Gold Card please click 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.
Why we picked this card: The American Express® Gold Card is great because you earn points on most food purchases, whether from restaurants or U.S. supermarkets.
| Pros | Cons |
|---|---|
| 4X points per $1 at restaurants, takeout and delivery Up to $120 annually in dining credits ($10 monthly, enrollment required) Uber Cash benefit No foreign transaction fees | $250 annual fee No lounge access Cannot carry a balance on some purchases Limits on earning higher rewards rates |
To see rates & fees for American Express® Gold Card please click here.
The American Express® Gold Card is great for foodies and frequent travelers. Whether dining out, getting takeout or cooking at home, you’ll earn rewards on many food-related purchases. Earn extra points on flights purchased through the airlines or Amex Travel, plus Uber and dining benefits and no foreign transaction fees.
To see rates & fees for American Express® Gold Card please click here.
To see rates & fees for American Express® Gold Card please click 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 three years or less.
Why we picked this card: We like the Chase Freedom Unlimited® for its travel rewards. With Chase Ultimate Rewards® your rewards never expire and you can redeem them for cash, travel, gift cards and other products and services.
| Pros | Cons |
|---|---|
| $0 annual fee Access to credit score Long intro APR Large sign-up bonus | Foreign transaction fees Lower cash back rate after first year Cash advance and balance transfer fees |
The Chase Freedom Unlimited® card is best for those who spend a lot on travel and/or want to redeem their rewards for travel. Maximize your spending and rewards by booking your travel and other shopping through Chase Ultimate Rewards®.
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.
Why we picked this card: We like the Chase Freedom Unlimited® for its travel rewards. With Chase Ultimate Rewards® your rewards never expire and you can redeem them for cash, travel, gift cards and other products and services.
| Pros | Cons |
|---|---|
| $0 annual fee Access to credit score Long intro APR Large sign-up bonus | Foreign transaction fees Lower cash back rate after first year Cash advance and balance transfer fees |
The Chase Freedom Unlimited® card is best for those who spend a lot on travel and/or want to redeem their rewards for travel. Maximize your spending and rewards by booking your travel and other shopping through Chase Ultimate Rewards®.
Maximum coverage per item: $10,000
Maximum coverage per year: Depends on the type of card you get (e.g., Visa mentions a $50,000 per year limit while Mastercard doesn’t mention any)
Fine print: The details of the policy depend on the type of card you get.
Why we picked this card: The Capital One Quicksilver Cash Rewards Credit Card is a card that offers solid cash back rewards with both a sign-up bonus and an introductory APR. This means you can take your time paying off a large purchase without incurring extra debt.
| Pros | Cons |
|---|---|
| $0 annual fee Sign-up bonus Flat-rate cash back Intro APR on balance transfers and purchases | Balance transfer fee Must have excellent/good credit Few travel rewards |
This card is great for those who want to earn cash back with every purchase and appreciate the simplicity of the flat-rate reward program. You’ll earn 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). If you’re needing to make a big purchase, this card offers a generous intro purchase APR of 0% intro on purchases for 15 months (then a 19.24% - 29.24% (Variable) APR applies).
Maximum coverage per item: $10,000
Maximum coverage per year: Depends on the type of card you get (e.g., Visa mentions a $50,000 per year limit while Mastercard doesn’t mention any)
Fine print: The details of the policy depend on the type of card you get.
Why we picked this card: The Capital One Quicksilver Cash Rewards Credit Card is a card that offers solid cash back rewards with both a sign-up bonus and an introductory APR. This means you can take your time paying off a large purchase without incurring extra debt.
| Pros | Cons |
|---|---|
| $0 annual fee Sign-up bonus Flat-rate cash back Intro APR on balance transfers and purchases | Balance transfer fee Must have excellent/good credit Few travel rewards |
This card is great for those who want to earn cash back with every purchase and appreciate the simplicity of the flat-rate reward program. You’ll earn 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). If you’re needing to make a big purchase, this card offers a generous intro purchase APR of 0% intro on purchases for 15 months (then a 19.24% - 29.24% (Variable) APR applies).
Maximum coverage per item: $10,000
Maximum coverage per year: Not specified
Fine print: Up to two extra years added to the original manufacturer’s warranty, not to exceed seven years from the original purchase date.
Why we picked this card: The Citi Premier® Card has a generous sign-up bonus, increased reward rates for select categories and flexible redemption options.
| Pros | Cons |
|---|---|
| Generous sign-up bonus Travel transfer partners | $95 annual fee No intro APR Limited benefits for travel |
The Citi Premier® Card is best for someone who travels frequently and can make the most of the elevated point values that are given for gas station, travel, entertainment and dining purchases. It’s also great for those who enjoy being able to have many reward redemption options. Points can be redeemed for a variety of gift cards through thankyou.com.
Maximum coverage per item: $10,000
Maximum coverage per year: Not specified
Fine print: Up to two extra years added to the original manufacturer’s warranty, not to exceed seven years from the original purchase date.
Why we picked this card: The Citi Premier® Card has a generous sign-up bonus, increased reward rates for select categories and flexible redemption options.
| Pros | Cons |
|---|---|
| Generous sign-up bonus Travel transfer partners | $95 annual fee No intro APR Limited benefits for travel |
The Citi Premier® Card is best for someone who travels frequently and can make the most of the elevated point values that are given for gas station, travel, entertainment and dining purchases. It’s also great for those who enjoy being able to have many reward redemption options. Points can be redeemed for a variety of gift cards through thankyou.com.
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.
Why we picked this card: 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 and gives various travel credits for a low annual fee.
| Pros | Cons |
|---|---|
| Generous sign-up bonus Redeem rewards for statement credits Points earning bonus for Preferred Rewards members | $95 annual fee No intro APR Lower rewards rate for non-Preferred Rewards members |
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. Travelers will find this card useful as there are many protections available to cardholders.
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.
Why we picked this card: 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 and gives various travel credits for a low annual fee.
| Pros | Cons |
|---|---|
| Generous sign-up bonus Redeem rewards for statement credits Points earning bonus for Preferred Rewards members | $95 annual fee No intro APR Lower rewards rate for non-Preferred Rewards members |
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. Travelers will find this card useful as there are many protections available to cardholders.
Maximum coverage per item: $10,000
Maximum coverage per year: $50,000
Fine print: Warranty coverage can be doubled for up to one additional year on eligible warranties of three years or less.
Why we picked this card: The Wells Fargo Business Elite Card® offers solid rewards for everyday purchases made by your small to medium sized business. You can opt to earn a flat rate 1.5% cash back or 1 point per dollar with bonus points given when you spend $10,000 in a billing cycle.
| Pros | Cons |
|---|---|
| Welcome bonus Low APR rate Travel benefits Up to 200 free cards for employees | Cash back is credited quarterly High spending requirement to reach bonus points Points expire after three years |
This card is best for small businesses with employees who travel thanks to the travel perks and protections that come with the card. Earn cash back or points for everyday spending that your employees do with the free employee cards.
Maximum coverage per item: $10,000
Maximum coverage per year: $50,000
Fine print: Warranty coverage can be doubled for up to one additional year on eligible warranties of three years or less.
Why we picked this card: The Wells Fargo Business Elite Card® offers solid rewards for everyday purchases made by your small to medium sized business. You can opt to earn a flat rate 1.5% cash back or 1 point per dollar with bonus points given when you spend $10,000 in a billing cycle.
| Pros | Cons |
|---|---|
| Welcome bonus Low APR rate Travel benefits Up to 200 free cards for employees | Cash back is credited quarterly High spending requirement to reach bonus points Points expire after three years |
This card is best for small businesses with employees who travel thanks to the travel perks and protections that come with the card. Earn cash back or points for everyday spending that your employees do with the free employee cards.
| Credit Card | Welcome Offer | Rewards Rate | Annual Fee | Intro Purchase APR | Regular APR | Intro Balance Transfer Rate | Regular Balance Transfer Rate | Balance Transfer Fee | Foreign Exchange Fee | Recommended Credit | Card Review |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
U.S. Bank Shopper Cash Rewards™ Visa Signature® Credit Card
|
$250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. | 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. | $0 for 12 months, then $95 | n/a | 18.74% - 28.74% Variable APR | n/a | 18.74% - 28.74% Variable APR | Either 3% of the amount of each transfer or $5 minimum, whichever is greater. | N/A | N/A | Review Coming Soon |
|
American Express® Gold Card
|
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), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply. | $250 | N/A | See Pay Over Time APR | N/A | N/A | N/A | N/A | Excellent/Good | American Express® Gold Card Review |
|
Chase Freedom Unlimited®
|
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 Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases. | Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, 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 | $0 | 0% Intro APR on Purchases for 15 months | 19.49% - 28.24% Variable | 0% Intro APR on Balance Transfers for 15 months | 19.49% - 28.24% Variable | Either $5 or 5% of the amount of each transfer, whichever is greater. | N/A | Excellent/Good | Chase Freedom Unlimited® Review |
|
Capital One Quicksilver Cash Rewards Credit Card
|
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening | 1.5% Cash Back on every purchase, every day | $0 | 0% intro on purchases for 15 months | 15.49% - 25.49% (Variable) | 0% intro on balance transfers for 15 months | 15.49% - 25.49% (Variable) | 3% | N/A | Excellent/Good | Capital One Quicksilver Cash Rewards Credit Card Review |
|
Citi Premier® Card
|
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening | Earn 3X points per $1 spent at restaurants, supermarkets, gas stations, air travel and hotels and 1X per $1 spent on all other purchases | $95 | N/A | 20.49% - 28.49% (Variable) | N/A | 20.49% - 28.49% (Variable) | Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. | N/A | Excellent/Good | Citi Premier® Card Review |
|
Bank of America® Premium Rewards® credit card
|
50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening. | 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases | $95 | N/A | 19.49% - 26.49% Variable APR | N/A | 19.49% - 26.49% Variable APR on balance transfers | 3% of the amount of each transaction. | N/A | Excellent/Good | Bank of America® Premium Rewards® credit card Review |
|
Wells Fargo Business Elite Card®
|
One-time $1,000 cash back bonus or 100,000 bonus points when you spend $25,000 in the first three months of account open date | Earn 1.5% cash back on every $1 spent or earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period | $0 first year, and then $125 | n/a | 10.75%-19.74% Variable | n/a | n/a | n/a | N/A | N/A | Review Coming Soon |
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, there are still some issuers, including American Express, Capital One and Chase, that provide extended warranty protection on many of their credit cards.
| 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 two extra years 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. |
| Wells Fargo | $10,000 | $50,000 | Warranty coverage can be doubled for up to one additional year on eligible warranties of three years or less. |
| 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. |
An extended warranty does just what its name implies: It extends the term of the warranty. This extension generally adds a year. 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 offer extended warranties on purchases, especially electronics. Do these offer better coverage than what your credit card is offering? It depends. You need to understand your credit card’s benefits as well as that of the one you’re considering. If the coverage is nearly identical, then your credit card’s extended warranty should be sufficient.
Just remember, stores wouldn’t be selling these 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 so in many cases the manufacturer’s warranty plus the extended warranty from your credit card will suffice.
Generally a credit card’s extended warranty mirrors that of the original manufacturer’s warranty. Let’s say your credit card offers an extra one year of coverage. If your new laptop is protected against defective materials and workmanship for one year, then after that year is over, the extended warranty would do the same for an additional 12 months.
Some items that may be covered include:
The issuer of your card can give you further details on what is and isn’t covered via phone or their website.
Most credit cards that offer extended warranties that 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 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: 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, credit card statement showing your purchase and damaged product. Your card issuer may also request additional documentation, such as a repair estimate.
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.
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 making a large purchase:
To see rates & fees for American Express® Gold Card please click here.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.
