Home > Credit Cards > Understanding the Perk of a Credit Card Extended Warranty

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Many manufacturers warranty their products against defects or certain other issues for a period of time. This is known as the manufacturer’s limited warranty, and depending on the product, it might provide coverage for a period as short as 30 days or as long as three or more years. In many cases, by swiping the right piece of plastic at checkout, you can get an automatic credit card extended warranty.

What Is Extended Warranty Coverage?

An extended warranty is any coverage that goes beyond what the manufacturer provides automatically when you buy a product. Extended warranties are often available for purchase from third parties.

For example, you might purchase an appliance at a home-improvement store like Home Depot or a piece of electronics at a big-box store such as Best Buy. When you pay, you might be asked if you want to purchase extra warranty coverage of several years beyond the manufacturer warranty. In some cases, these warranties step in to provide additional coverage, such as replacing the product if it is damaged or falls victim to typical wear and tear.

What is a Credit Card Extended Warranty?

Some credit card accounts come with a special perk. If you purchase a qualifying product with your card, the card network backs your purchase with an extended warranty coverage. The extended warranty coverage that comes with some of the best credit cards usually extends the manufacturer’s warranty for up to a year longer.

The length of an extended warranty offered can vary by card, and the credit card network won’t extend a warranty past a certain time. Typically, if the manufacturer offers more than a five-year limited warranty, no card network adds time to that. Some only add time if the manufacturer’s warranty is three years or less. Others only add to a manufacturer’s warranty that ends within 12 months.

How Can You Tell if Your Credit Card Includes Extended Warranty Protection?

Many major cards, including some on Visa, American Express and MasterCard networks, offer warranty protection. The best way to find out if your credit card company includes this perk is to read your benefits guide, which is included in the paperwork that came with your card. You can also usually find this information online if you have an online account for the card or you can call the customer service number for your credit card issuer and ask.

Does My Visa Card Have an Extend Warranty?

If your card is a Visa Signature card, then this extra perk is included. Simply look for the words Visa Signature on the front of your card. If you don’t see those words, consult your benefits paperwork or call customer service to get the details about card benefits.

Does Capital One Offer Extended Warranty?

Yes, some Capital One cards come with extended warranty protection. This is because Capital One cards are typically issued on either the Visa or MasterCard network, and it’s the network that provides the warranty coverage.

Does the Costco Visa Include Extended Warranty Perks?

Yes, someCostco-branded Visa credit cards include an extended warranty perk. This is also true for several other branded cards for various stores, hotel chains or airlines.

How Does the Visa (or Other) Extended Warranty Work?

Credit card extended warranty programs have some unique guidelines but do tend to follow the same overall concept. You pay for an eligible item with your credit card. If a covered issue arises after the manufacturer’s warranty coverage is up but before the extended time period covered by the card network, then you can file a claim to be reimbursed for the loss. To file a claim, you’ll need to call the benefits administrator for your credit card issuer.

  • American Express: 1-800-225-3750
  • Visa: 1-800-882-8057
  • MasterCard: 1-800-622-7747

When you make a purchase with your credit card, keep the receipt in case you need to file a claim. Also keep the manufacturer’s warranty, receipt, serial number and product description information on hand. You’ll need all of this information when you make the phone call to file a claim.

Make it a habit to start a paper file whenever you spend big on something. That way, you’ll be ready in case you need to use this benefit. But do note that not all purchases are covered by these rewards. Examples of what’s not covered include boats, motorized vehicles, computer software and used or pre-owned items.

Extra Protection by Paying with Credit Cards

The credit card extended warranty isn’t the only perk you might get when you pay with your credit card. Some cards offer buyer’s remorse protection, ensuring you can always return eligible items within certain windows, or travel and road protections for peace of mind when you find yourself 100 miles or more away from home.

Understanding how credit cards work and what benefits you get from yours lets you get added value when making purchases. Start off right by choosing the best credit card for your needs and using it wisely as one resource in your personal money management toolbox.

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  • BestGuest

    I got two free Palm Pilot keyboards (back in the day when those were in vogue) because they kept breaking between 1-2 years after I purchased it. Best thing was that I just had to go buy one, send them my receipt and copy of the manufacturer’s warranty, and they reimbursed me for the lesser of the original or replacement cost. If the item was under a certain amount (I think $100), it was automatic replacement. Otherwise, over the amount, you had to take it to a repair shop first to see if repairing would be cheaper.

  • Phoebiann

    I was looking into the Visa extended warranty for an upcoming purchase, and it looks like one has to register for the warranty protection at/from a site. This site asks for the person’s Visa card number. I’d like to know whether this is safe to do, giving one’s Visa card number to this third party.

    • http://blog.credit.com/ Kali Geldis

      Hi Pheobiann —

      First off, bravo to you for keeping an eye out for possible scams. It’s best to contact Visa directly regarding the extended warranty program, as you should never give your credit card number to a third party you don’t recognize. Calling Visa directly via their customer service line is your best bet.

  • Logic87

    i have used warranty extensions with my visa and once with my discover card. With visa it went very smooth no problem and i got reimbursed 400 bucks for my dead computer. Discover they initially rejected my claim and i had to prove to them that my claim is valid and that it should not be rejected. In the end i got that one approved as well

    • http://www.credit.com/ Credit.com Credit Experts

      Extended warranties can pay off, and if they’re automatically offered under your card’s benefits, it’s a win/win when they do. Your example is proof that even if an issuer initially rejects the claim — a little persistence can pay off.

  • Stamamoto

    I found this website because I was trying to get help with getting a replacement or refund from my Visa Signature Card. I called the credit card company and VISA to get help. I’m writing to warn people that the extended warranty isn’t always what they make it out to be. I purchased some computer hardware which failed after a few months. I went to the manufacturer to try and get help on a replacement or repair. After 4 months, I still didn’t have a working part. I called VISA to get help because of the extended protection. Their customer service said that because the part failed during the manufacturer’s warranty, which was still valid, they would not be able to help me because the VISA warranty only starts after the manufacturer’s warranty runs out. In addition, they only cover repairs for incidents that occur after the manufacturer’s warranty runs out. So, if the manufactur never helps me with my problem, VISA will not help me either.

    • Credit.com

      Stamamoto – thanks for sharing your story. It’s good to know. Most issuers, Visa especially, are very good with covering extended warranties. It’s one of the few benefits that you get for using a credit card over a paying cash or with a debit card (where you’d just be stuck with the defective product.) In VISA’s case, I believe the policy is more of a protection for VISA so that consumers don’t automatically bypass the manufacturer for damages or defective issues that are still covered under the manufacturer’s warranty. To play devil’s advocate here, if VISA covered all warranties for every manufacturer’s warranties — it could potentially cost them millions of dollars. Which would likely be passed on to the consumer in some form– in which case we’d all end up paying for manufacturer’s that didn’t stick to their warranty agreements. I don’t want to defend VISA but in this case, is it really fair that VISA pays for a manufacturer that didn’t stand by their warranty obligations? I’d probably push back on the manufacturer and demand they cover their warranty. If they refuse, and you have all the necessary documentation, it may even be worth it to file complaints with every local, federal and state agency you have available to you. And let the manufacturer know you’re planning to do so. It might just give them the push they need to address the issue and take care of the warranty like they should have to begin with.

  • Sundi

    Thank you for this information because I had no idea that CC companies offered this. However, readers of this- keep in mind that some items should include accidental coverage on the warranty which I’m sure would not be covered here. This is where squaretrade would be a better warranty choice for any electronic devices.
    There is also a company similar to Squaretrade called SafeWare. You will notice that their quotes are mich higher than Squaretrade but they cover theft, loss and fire. SafeWare only has the option to cover computers and phones (no cameras, etc)

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