Updated
Fact Checked
Eric McWhinnie
Manufacturer's warranties protect you if there's a problem with something you bought. These warranties don't last forever, but Amex extended warranty protection* can give them a boost. It adds an extra year to eligible warranties -- and quite a few American Express cards offer this useful benefit.
To make the most of American Express extended warranty coverage, you need to know how it works. In this guide, you'll learn what is and isn't covered, and which American Express cards offer it.
How does Amex extended warranty work?
American Express extended warranty coverage adds up to one year to the original manufacturer's warranty on eligible purchases. It applies to warranties of five years or less on covered purchases made in the United States. You must pay for the purchase with your American Express card or American Express points.
For example, let's say you use your Amex card to buy a new television with a 12-month warranty. If it broke down after 18 months, you'd be able to claim the cost of the repair or replacement with American Express.
The extended warranty offers the same protections as the original warranty and starts when the original warranty ends. If there's a purchase service contract in place at that time, then the extended warranty starts after the end of that contract. Note the extended warranty won't apply if either the original warranty or a purchase service contract lasts longer than five years.
What is covered
Amex extended warranty protection covers many types of purchases. According to the policy info American Express provides, it applies to any eligible purchase with an original manufacturer's warranty of five years or less that's valid in the United States.
You can file a claim if there's a problem with the item due to a covered event during the extended warranty period. If your claim is approved, then American Express extended warranty will pay for the appropriate repair or replacement service, up to the coverage limits.
There are multiple coverage limits in place. American Express extended warranty won't pay more than the covered purchase amount charged to your card. For example, if you paid $1,000 for the product, then the coverage limit is $1,000. Every American Express card also has the following extended warranty maximums:
- Up to $10,000 per covered purchase
- Up to $50,000 per card per calendar year
What's not covered
The Amex extended warranty won't cover several types of purchases such as secondhand items, artwork, or living creatures.
These include, but are not limited to:
- Items covered by an unconditional satisfaction guarantee
- Animals or living plants
- One-of-a-kind items, such as artwork, antiques, and furs
- Previously owned or used items, except ones refurbished by the original manufacturer
- Consumable items or items with a limited lifespan
- Downloadable services
- Items purchased for resale or professional use
There are also certain circumstances when your extended warranty coverage won't work. Here are some common examples:
- Repairs that aren't carried out at an authorized repair facility or a facility that's acceptable under the original warranty
- Repairs that use aftermarket parts that aren't acceptable under the original warranty
- If the item requires service due to physical damage, unless that damage is covered by the original warranty
More information on what the Amex extended warranty does and doesn't cover is available in each card's guide to benefits.
Our favorite American Express cards with extended warranty
Extended warranty service usually isn't the first thing people look at when shopping for the best credit cards. It is, however, a valuable extra. Sometimes an extra year of warranty coverage can save you an expensive repair bill. If you have an Amex card with this perk, make sure to use it when paying for eligible purchases.
If you don't have an Amex card with extended warranty protection -- here are a few of our favorites.
As of Apr. 16, 2024
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| The Platinum Card® from American Express | American Express® Gold Card | Blue Cash Preferred® Card from American Express |
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4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
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Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
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Apply Now for The Platinum Card® from American Express
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Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
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Welcome Offer: Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. 80,000 |
Welcome Offer: Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. 60,000 |
Welcome Offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. $250 |
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Rewards Program: Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. Earn 1X Membership Rewards® Points on other purchases. Terms and limitations apply. 1X-5X Membership Rewards® Points |
Rewards Program: 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). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. 1X-4X Membership Rewards® Points |
Rewards Program: 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. 1%-6% Cash Back |
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Intro APR: Purchases: n/a Balance Transfers: n/a |
Intro APR: Purchases: n/a Balance Transfers: n/a |
Intro APR: Purchases: 0%, 12 months Balance Transfers: 0%, 12 months |
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Regular APR: See Pay Over Time APR |
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Regular APR: 19.24%-29.99% Variable |
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Annual Fee: $695 |
Annual Fee: $250 |
Annual Fee: $0 intro annual fee for the first year, then $95. |
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Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip delay and cancellation insurance and cell phone protection underwritten by New Hampshire Insurance Company, an AIG Company. Extended warranty, purchase protection, car rental insurance, and baggage insurance underwritten by AMEX Assurance Company.
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Don't you wish you could take a peek inside a credit card expert's wallet sometimes? Just to see the cards they carry? Well, you can't look in anybody's wallet, but you can check out our experts' favorite credit cards. Get started here:
How to file an extended warranty claim
There are two ways to file an Amex extended warranty claim:
- Online at americanexpress.com/onlineclaim
- Over the phone by calling 1-800-228-6855
If you file online, you'll be prompted to log in to your account. Once you do, select "File a Claim." You can then go through the online claim form and provide the required information.
Claims should be filed within 30 days (or as soon as reasonably possible). You can claim for any event covered by the original warranty, such as the item breaking down. Depending on the circumstances, American Express may send claim forms for you to complete and send back. If you haven't received any forms within 15 days of filing, write to American Express with information about your claim.
American Express also requires that you send proof within 60 days or as soon as reasonably possible. The proof of loss it requests will depend on your claim. Examples include:
- The original receipt
- A copy of the original manufacturer's warranty and any purchase service contract agreement (if applicable)
- A photograph and/or completed repair estimate form
When American Express has received satisfactory proof and determined the claim is payable, it pays benefit claims within 30 days.
More Amex cards that offer extended warranty
There are quite a few other great American Express cards that offer extended warranty protection. Consumer American Express cards with this benefit include:
- American Express® Green Card
- Amex EveryDay® Preferred Credit Card
- Delta SkyMiles® Blue American Express Card
- Delta SkyMiles® Gold American Express Card
- Delta SkyMiles® Platinum American Express Card
- Delta SkyMiles® Reserve American Express Card
- Hilton Honors American Express Card
- Hilton Honors American Express Surpass® Card
- Hilton Honors American Express Aspire Card
- Marriott Bonvoy Brilliant® American Express® Card
- Centurion Card® from American Express
Terms apply. (All information about the American Express® Green Card has been gathered independently by The Ascent.)
Many American Express business cards also offer extended warranty. If you want to see if an American Express card has this benefit, check for it on the card's offer and benefit terms.
Amex extended warranty coverage is the same across all the cards that offer it. Outside of that, the perks and annual fee amounts vary quite a bit from card to card. If you're trying to find the right fit, it's worth using a tool to compare credit cards and see which will work best for you.
Still have questions?
Some other questions we've answered:
FAQs
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Not all American Express cards offer extended warranty coverage. It's common with American Express cards that charge an annual fee, but there are also some no annual fee American Express cards with this benefit. Here are some of the consumer American Express cards with extended warranty protection:
- Blue Cash Preferred® Card from American Express
- American Express® Gold Card
- The Platinum Card® from American Express
- American Express® Green Card
- Amex EveryDay® Preferred Credit Card
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Not all purchases are covered by American Express extended warranty. It covers eligible purchases with an original manufacturer's warranty of up to five years, and that warranty must be valid in the United States. Most types of purchases are eligible, but there are exceptions. For example, an Amex extended warranty won't cover one-of-a-kind items, consumable items, and items purchased for professional use or resale.
A full list of purchases that are and aren't covered is available in each Amex card's guide to benefits. You can also find this information on the American Express website.
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Visit the American Express online claims center to submit an extended warranty claim. Once you log in, click "File a Claim" and enter the required information. American Express also lets you submit extended warranty claims over the phone by calling 1-800-228-6855.
Our Credit Cards Experts
Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.
Fact Checked
Eric McWhinnie
Eric McWhinnie has been writing and editing digital content since 2010. He specializes in personal finance and investing. He also holds a bachelor’s degree in Finance.
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* When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
The American Express® Green Card is unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
American Express is an advertising partner of The Ascent, a Motley Fool company. Lyle Daly has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Target, Uber Technologies, Visa, and Walmart. The Motley Fool recommends Marriott International. The Motley Fool has a disclosure policy.
For rates and fees for the American Express® Gold Card, click here
For rates and fees for the American Express® Green Card, click here
For rates and fees for the Amex EveryDay® Preferred Credit Card, click here
For rates and fees for the Blue Cash Preferred® Card from American Express, click here
For rates and fees for the Delta SkyMiles® Blue American Express Card, click here
For rates and fees for the Delta SkyMiles® Gold American Express Card, click here
For rates and fees for the Delta SkyMiles® Platinum American Express Card, click here
For rates and fees for the Delta SkyMiles® Reserve American Express Card, click here
For rates and fees for the Hilton Honors American Express Aspire Card, click here
For rates and fees for the Hilton Honors American Express Card, click here
For rates and fees for the Hilton Honors American Express Surpass® Card, click here
For rates and fees for the Marriott Bonvoy Brilliant® American Express® Card, click here
For rates and fees for the The Platinum Card® from American Express, click here