Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
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.
What is an extended warranty?
Some credit cards offer an extended warranty benefit which extends the manufacturer’s warranty for items you purchase with your card. Extended warranty benefits are frequently under-appreciated and underused, but can save you a ton of money if an expensive item fails shortly after the original manufacturer’s warranty expires. 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.
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.
Chase extended warranty coverage at a glance
| Additional coverage | One additional year, after your manufacturer’s warranty or a purchased extended warranty ends. | |
| Maximum total coverage | Total warranty coverage no more than four years from the purchase date. | |
| Purchase location | Inside or outside the U.S. | |
| Coverage limits | Per item: $10,000 Per account: $50,000 |
More about Chase extended warranty coverage
Here’s a deeper dive into some of the details of Chase extended warranty coverage.
Chase extended warranty coverage length
With Chase’s extended warranty, you’ll get 1 additional year on original manufacturer’s warranties of 3 years or less. Chase’s coverage is supplemental to and in excess of purchased extended warranty coverage. Here’s what this means in practice.
| If your item has… | Chase extended warranty provides… | Your total warranty coverage |
|---|---|---|
| 90 day original manufacturer’s warranty. | 1 additional year. | 1 year + 90 days (455 days) |
| 1 year original manufacturer’s warranty. | 1 additional year. | 2 years. |
| 1 year original manufacturer’s warranty + 1 year additional store-purchased dealer warranty | 1 additional year. | 3 years. |
| 3 year original manufacturer’s warranty | 1 additional year. | 4 years. |
| No warranty. | No coverage. | None. |
| 4 year original manufacturer’s warranty. | No additional coverage. | 4 years. |
What does Chase extended warranty cover?
Chase extended warranty covers repair or replacement of your eligible item that you purchased with your card. The card benefit will be repaired or replaced at the discretion of the benefit administrator, up to the amount of coverage.
If the benefit administrator authorizes your item to be repaired, you may visit an authorized repair center and file a claim for reimbursement. The extended warranty benefit will only reimburse valid and reasonable repairs made at a manufacturer’s authorized facility.
What kinds of items are excluded?
Your card’s Guide to Benefits will have specific items that are excluded from coverage. Here are the types of items that are typically excluded from the Chase Extended warranty.
- 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
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
Our favorite Chase cards with an extended warranty benefit
Here are a few of our favorite Chase cards that we like for their extended warranty benefits.
Chase Freedom Unlimited®: 1.5% back everywhere with extended warranty and no annual fee
The Chase Freedom Unlimited® is a Visa card that earns 1.5% cash back everywhere. While you can get cards that earn 2% cash back everywhere, none of those cards that we know about offer an extended warranty. If you’re buying expensive items at Costco, know that Costco did away with its doubled warranty for most purchases. Since the Freedom Unlimited is a Visa card, it can be your go-to card to use at Costco for non-grocery purchases that have warranties.
Chase Freedom Unlimited® Welcome bonuses
Before you apply through the links below, be sure to see our coverage of the best welcome bonus on this card. There may be a better offer in-branch.
Our take on the welcome bonuses: The $200 after $500 offer is the standard offer on this card. The 1.5% additional cash back offer can technically be maximized for more rewards, but you’ll need to spend $20,000 on the card over the course of the year to get the full value.
Offer #1: Chase Freedom Unlimited®: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
The link above is a referral link. If you use this link, someone in our community may earn points. We always show you the best offer, regardless of our ability to earn a commission.
Offer #2: card_name: bonus_miles_full
The link above is our affiliate link. We are showing you this offer in addition to the 5% offer above because there are some people who might prefer this offer.
Chase Freedom Unlimited® at a glance:
Annual fee: $0
Rewards: 5% travel through Chase Travel℠. 3% dining. 3% drugstore. 1.5% all other purchases
Chase Freedom Flex℠: Rotating categories occasionally offer 5% rewards, plus extended warranty
We like the Chase Freedom Flex card for its extended warranty benefit, paired with rotating 5% categories. Bonus categories have historically included places like Target, Lowe’s, Amazon.com and wholesale clubs—places where you’re likely to buy items with warranties. Getting an extended warranty plus up to 5% cash back is value we can get behind. Here’s a bit more about this card. You can learn more about the card in our overview of the Chase Freedom Flex℠.
Chase Freedom Flex℠ welcome bonus:
Before you apply through the link below, be sure to see our coverage of the best welcome bonus on this card. There may be a better offer in-branch.
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Click here to learn more and apply for the Chase Freedom Flex℠.
Our take on the welcome bonus: $200 after $500 is the standard welcome bonus on this card.
The link above is a referral link. Someone on our team may earn points if you apply and are approved to the link above. We always show you the best offer, and this is the best offer we know about on this card.
Chase Freedom Flex℠ at a glance:
Annual fee: $0
Rewards: 5% in rotating categories (up to $1,500 in combined purchases per quarter). 5% travel through Chase. 3% dining. 3% drugstores. 1% other purchases.
Benefits: Extended warranty. Purchase protection. Cell phone protection.
Prime Visa: 5% cash back at Amazon and extended warranty
If you’re an Amazon Prime member, chances are you’re buying many of your expensive electronics at Amazon. If you put them on your Amazon Prime Visa car, you can earn five percent cash back on your purchases and be covered by Chase’s extended warranty. There’s no reason to use any other card for your Amazon purchases. You must be an Amazon Prime member to get the Prime Visa.
Amazon Prime Visa welcome bonus:
Amazon Prime Visa from Chase: Receive a $100 Amazon gift card upon approval when you have a Prime membership. (If you do not have Amazon Prime, you’ll see an offer for the non-Prime version of the card, the Amazon Visa.)
Click here to learn more and apply:
Our take on the welcome bonus: The Amazon Prime Visa is an essential card for Amazon shoppers with Prime. A $100 Amazon gift card after approval is the best welcome bonus we know of on this card.
The link above is a referral link. Someone on our team may earn points if you apply and are approved to the link above.
Amazon Prime Visa at a glance:
Annual fee: $0 (requires paid Amazon Prime membership)
Rewards: 5% Amazon.com, Whole Foods, Amazon Fresh. 5% Chase Travel. 2% gas, restaurants, local transit and commuting. 1% other purchases.
Benefits: Extended warranty. Purchase protection. Amazon 0% financing offers.
What you need to do when you purchase an item
Save your receipts. If you ever need to file a claim, you will need a copy of your purchase receipt. A best practice is to take a picture and save your receipts in an online photo album or in a note-taking app like Evernote or OneNote. You will also likely need to provide evidence of your warranty, so if you can’t easily find your item’s warranty policy online, it can be worthwhile to save documentation of this as well.
Chase gives you the option to register your purchase at www.cardbenefitservices.com. If you don’t want to worry about saving your receipts, this can be a good idea. You are not required to register your purchases to make an extended warranty claim.
How to file a claim
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 www.cardbenefitservices.com. 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
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 www.cardbenefitservices.com. 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.
Frequently asked questions
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.
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.
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.
Exercise equipment is not listed in the benefit exclusions, so your new Tread+ would enjoy an additional 12 months of warranty for free.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.