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Chase extended warranty benefits: An extra year of protection on many items you buy

An extended warranty can be one of the most valuable ways that using a credit card can protect the things you buy. But it is a benefit that few people take advantage of. Fortunately, many credit cards, including many no-annual-fee credit cards offer this benefit which is both simple and useful.

Chase is one of the few credit card issuers that offers an extended warranty benefit on most of its credit cards. This includes many no-annual-fee credit cards like the Chase Freedom Flex and Chase Freedom Unlimited.

Here’s what you need to know about the Chase extended warranty benefits.

Essential facts about Chase extended warranty coverage

Additional coverageOne additional year.

Your item must have a manufacturer, assembler, or dealer warranty. Chase coverage stacks with and starts after these warranties end.
Maximum coverage durationCoverage extends warranties of 3 years or less.

Total warranty coverage no more than four years from the purchase date.
Purchase locationInside or outside the U.S.
Coverage limitsPer item: Purchase price, less shipping and handling or $10,000
Per account: $50,000
Benefit administratorCard Benefit Services
Chase extended warranty coverage terms summary.

What is a credit card extended warranty?

Credit card extended warranty coverage can extend the terms of a manufacturer’s warranty for items you purchase using your card. An extended warranty benefit won’t cover a shattered phone screen or a dropped laptop, but it can provide for a repair or replacement of many items if they fail under normal usage.

In most cases, you receive extended warranty coverage just for using your card for your purchase, but there are a few things you can do to be prepared to use your extended warranty coverage. See the “Best practices” section below.

Knowing what extended warranty coverage your credit card has and how it works can save you money. You may not need to purchase a store’s extended warranty coverage if your credit card offers comparable coverage for free. We recommend prioritizing using a card with extended warranty coverage whenever you purchase an expensive item that you would want to repair or replace if it broke.

For most people, it can make sense to forego some rewards in order to purchase items that have warranties with a credit card that offers an extended warranty benefit. Here’s what you need to know about the extended warranty benefits provided by Chase.

Which Chase cards have an extended warranty benefit?

Almost all personal and small business credit cards issued by Chase offer an extended warranty benefit. The few that do not include the Aeroplan Card and the IHG cobranded cards.

Chase cards that offer no extended warranty benefit

  • Aeroplan Card
  • IHG® Rewards Premier Credit Card
  • IHG® Rewards Traveler Credit Card
  • IHG® Rewards Premier Business Credit Card

What does Chase extended warranty cover?

Here’s a deeper dive into some of the details of Chase extended warranty coverage.

Chase coverage extends your warranty for 1 year

When you purchase an eligible item on your card that offers Chase’s extended warranty coverage, you’ll get 1 additional year warranties of 3 years or less. Chase warranty coverage extends the following types of warranties:

  • Original manufacturer’s U.S. repair warranty
  • Store-purchased dealer warranty
  • Assembler warranty

As long as your item comes with a manufacturer, dealer, or assembler warranty of three years or less, you’ll get 1 additional year of coverage from Chase. And if you purchase an additional warranty from a retailer, Chase extended warranty will begin after your purchased extended warranty ends. Here are some examples of the coverage you would receive in various cases:

Your item’s warranty.Chase extended warranty provides…Your total warranty coverage
No warranty.No coverage.None.
No warranty,
But you purchase a 2-year dealer warranty.
1 additional year.2-year dealer warranty +
1-year Chase extended warranty =
3 years.
90 day original manufacturer’s warranty.1 additional year.90 day manufacturer’s warranty +
1 year Chase extended warranty =
90 days + 1 year (Approx. 455 days)
1-year original manufacturer’s warranty.1 additional year.1 year manufacturer’s warranty +
1 year Chase extended warranty =
2 years.
3 year original manufacturer’s warranty1 additional year.3 year manufacturer’s warranty +
1 year Chase extended warranty =
4 years.
4 year original manufacturer’s warranty.No coverage.4 years.
Examples of Chase extended warranty coverage

Coverage limitations and exclusions

Like any insurance coverage, limitations and exclusions apply to Chase extended warranty coverage. Here are the details.

Your item must have a warranty to be eligible for Chase extended warranty coverage. If the item you purchase doesn’t have a warranty, either from a manufacturer, dealer, or assembler, you won’t receive any coverage from Chase. The total warranty of your item must also be three years or less—Chase extended warranty coverage does not apply to warranties longer than 3 years.

The amount of coverage is limited to the original price of the purchased item, not including shipping and handling fees, up to $10,000 per claim. Additionally, claims are limited to $50,000 per account.

What kinds of items are excluded?

Chase’s extended warranty terms exclude certain items from coverage. In most cases, it’s likely easy to understand why an item is excluded. Here’s the list of extended warranty exclusions commonly found in the Guide to Benefits of most Chase cards:

Screenshot from the Guide to Benefits detailing Chase extended warranty item exclusions.
List of excluded items from the Guide to Benefits.
  • Boats, automobiles, aircraft, and any other motorized vehicles and their motors, equipment, or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle
  • Any costs other than those specifically covered under the terms of the original manufacturer’s written U.S. repair warranty, as supplied by the original manufacturer or other eligible warranty
  • Items purchased for resale, professional, or commercial use
  • Rented or leased items
  • Computer software
  • Medical equipment
  • Used or pre–owned items (a refurbished item will be covered as long as it has a warranty with it and would not be considered used or pre–owned)
  • Losses caused by or resulting from a Cyber Incident

Some other issuers’ extended warranty coverage terms exclude residential or business fixtures. A Chase card may be a good choice to use for purchasing household appliances, as it does not list these exclusions.

Additional questions on Chase extended warranty coverage

How Chase warranty works with a store-purchased warranty.

When you purchase an additional extended warranty from a manufacturer or retailer, the Chase extended warranty is supplemental to and in excess of that coverage. Practically, what this means is that your Chase extended warranty coverage will start at the end of your purchased coverage and cover you for an additional year.

For example, if you purchase a new laptop with a one-year limited warranty and a one-year extended warranty from a retailer like Best Buy, your Chase coverage would start after the conclusion of your purchased extended warranty. You’d have:

  • One year of warranty coverage from the manufacturer.
  • One year of warranty coverage from the retailer.
  • One year of warranty coverage from Chase.

Chase’s warranty terms mention only warranties purchased with your item. Some warranties, such as AppleCare, can be purchased for a limited amount of time after you buy an item. Other warranties can be purchased on a month-to-month basis. Check with Card Benefit Services before purchasing these warranties to understand what will be covered.

Best practices and recommendations

Save your receipts (and statements) when you purchase an item

If you ever need to make a claim against a credit card extended warranty policy, you will likely be required to provide documentation to substantiate your claim. The benefit administrator will almost certainly ask you to send them a copy of your sales receipt, a copy of the credit card statement showing the charge, and a copy of the original or purchased warranty terms. Collecting and storing these items somewhere you can access

Using a note-taking app like OneNote or Evernote is a great choice for storing your receipts for the items you purchase. Free versions of both of these apps exist and can store a variety of files in a single location, including a PDF of your statement, a photo of your receipt, or a scanned copy of your item’s original manufacturer’s warranty.

Register your purchase with the benefit administrator

If you want to offload the task of storing and organizing your receipts, you can register your purchase with Card Benefit Services, Chase’s benefit administrator. Registering your purchase can help make processing your extended warranty claim easier because the benefit administrator can access documentation that they already have.

Registering your purchase is not required, but if you want to register your purchase, you can do so on the Card Benefit Services website.

File your claim promptly

If an item you purchased fails and you want to make an extended warranty claim, it’s best to file your claim promptly. Chase’s terms state that your claim may be denied if the benefit administrator does not receive your claim within 90 days of the product failure.

How to file a claim with Card Benefit Services

Chase extended warranty online claims center
Chase extended warranty online claims center

If an item you bought with your Chase card malfunctions and you want to submit a warranty claim, you can file a claim online through You’ll need to register for an account as if you submit your claim online.

Be sure to file a claim within 90 days of the product failing, or your claim may be denied.

The benefits administrator will likely ask you to provide documentation so that they can evaluate your claim. Here are some of the things you may be required to provide:

  • Completed and signed claim form
  • Chase credit card statement showing that the purchase was made on your account
  • Copy of the itemized sales receipt
  • Copy of the original manufacturer’s written U.S. warranty, and any other applicable warranty
  • Description of the item, its serial number, a copy of any maintenance records and receipts
The form you will need to fill out during Chase extended warranty submission at the online claim center.
Submitting a Chase extended warranty claim online.

You may also be asked to get a repair estimate or have a technician examine the device to determine its cause of failure.

If your claim is approved, your item may be either repaired or replaced. You may be required to ship the item to the benefit administrator or send it to an authorized repair center. In some cases, Chase may reimburse you for the replacement cost of the item. Note that you will not be reimbursed for shipping and handling.

Typically extended warranty benefits exclude large purchases like automobiles, items that can be copied like computer software, perishable items and consumables. Here’s what Chase excludes from its extended warranty coverage.

An experience with the Chase Extended Warranty

I purchase everything that I’d ever want to make a warranty claim on using my credit card, but I generally use an American Express credit card that I pay an annual fee for. American Express has a stellar reputation for customer service and I’ve generally found claims with them to be hassle-free.

But recently, a friend of mine made a Chase Extended Warranty claim and found the process to be as seamless as Amex. Here’s what happened.

She had purchased some bicycle shoes about a year and a half ago. Unfortunately, one of the stitched seams on one of the shoes started coming apart and they needed to be replaced. The shoes were in otherwise good condition.

She submitted a claim with Chase through Within a few days, the benefits administrator got back to her and asked her for both a picture of the shoe, the original receipt, and the Chase account statement for the card that she used. Since she purchased the shoes through Amazon, she could easily find her receipt. And the Chase statement could be printed off from the bank’s website.

Within a few weeks, she had a check for the original purchase amount of her shoes. She was not required to send the defective shoes to Chase

Frequently asked questions

If I purchase an extended warranty from the manufacturer, like AppleCare, can I get extended warranty coverage?

Chase extended warranty coverage begins at the end of all cumulative warranty coverages. For example, if you purchased an iPhone that came with a 1-year warranty and purchased an additional 1-year AppleCare warranty, your Chase extended warranty benefit would extend your warranty for an additional year, providing three years of warranty coverage.

What if an item I purchase has only a 90-day warranty?

The Chase Extended Warranty Protection benefit will extend your warranty by an additional year in this case, giving you a total of 1 year and 90 days of warranty protection. The first 90 days would be covered under your manufacturer’s warranty; the following year would be covered by your credit card benefit.

If I purchase an item with a 1-year warranty and it fails after seven months, do I submit a warranty claim through Chase?

In this case, you would contact the original manufacturer for warranty service; Chase extended warranty protection would only apply after the original manufacturer’s warranty ends.

Would exercise equipment like a Peloton Tread+ be covered under the Chase extended warranty?

Exercise equipment is not listed in the benefit exclusions, so your new Tread+ would enjoy an additional 12 months of warranty for free.

About the author

  • Aaron Hurd

    Aaron Hurd is a credit card, travel rewards, and loyalty program expert. Over the past 15 years, he has authored over a thousand expert contributions published by leading outlets including WSJ, TIME, Newsweek, Forbes, NerdWallet, The Points Guy, Bankrate, CNET, and many others. He has also served in consulting roles for many of these same outlets, designing content strategy, hiring teams of teams of editors and contributors, developing thought-leadership pieces, and ghost-editing for senior editors. Aaron is well-known in the miles and points community and regularly presents about travel rewards at conferences like the Chicago Seminars and Minnebar. Aaron has enjoyed the game of optimizing credit card rewards since getting his first credit card shortly after he turned 18. He started learning about credit cards and travel rewards from the (now defunct) FatWallet Finance forums and FlyerTalk. He holds more than 40 open credit cards and has first-hand experience with almost every major credit card product.

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