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Warranty protection covers items that break or need repairs within a set amount of time after you buy them. If the product's warranty has expired, you're normally out of luck. But that may not be the case if you paid with a Chase credit card, because eligible items qualify for Chase extended warranty protection.
Extended warranty protection is a common perk with the best credit cards, and most of the cards in Chase's lineup offer it. That means you won't need to pay extra when a store offers to sell you an extended warranty, because you'll already be covered. To help you make the most of Chase extended warranty protection, this guide will explain what it covers and how to use it.
Chase extended warranty protection adds a year of coverage to eligible original warranties of three years or less.
You must pay for the item, or a portion of it, with your Chase card. Purchases made with your Chase card's rewards also qualify. If you make an eligible purchase using Chase Ultimate Rewards points, you'll get the extended warranty benefit.
The coverage limit is the original price of the purchase, minus any shipping and handling fees, up to a maximum of $10,000 per claim and $50,000 per account.
Chase extended warranty coverage applies to the following:
Chase extended warranty service doesn't cover everything. Items that aren't covered include:
Your Chase extended warranty protection will only pay for costs covered under the terms of the original warranty. For example, if you buy a new laptop, the warranty would generally cover any hardware problems you didn't cause, such as a defective battery. If you spill coffee on it, warranty coverage doesn't apply. The same rules apply with a Chase extended warranty.
Every warranty specifies what it does and doesn't cover in its terms, so you can read yours to clear up any confusion.
If you're not sure which card to choose, try seeing if you can prequalify for a Chase credit card. This gives you an idea of cards you're likely to get approved for with the card issuer.
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Chase Sapphire Preferred® Card | Chase Sapphire Reserve® | Chase Freedom Flex℠ |
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 |
Rating image, 5.00 out of 5 stars.
5.00/5
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 |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website. |
Apply Now for Chase Freedom Flex℠
On Chase's Secure Website. |
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) |
Welcome Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. 60,000 bonus points |
Welcome Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠. 60,000 bonus points |
Welcome Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening! $200 bonus |
Rewards Program: Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases |
Rewards Program: Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. 5x points on flights and 10x points on hotels and car rentals through Chase Travel℠. |
Rewards Program: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. 5% cash back offer |
Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: N/A Balance Transfers: N/A |
Intro APR: 0% Intro APR on Purchases Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months |
Regular APR: 21.49%-28.49% Variable |
Regular APR: 22.49%-29.49% Variable |
Regular APR: 20.49%-29.24% Variable |
Annual Fee: N/A $95 |
Annual Fee: N/A $550 |
Annual Fee: N/A $0 |
Highlights:
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Highlights:
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Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website. |
Apply Now for Chase Freedom Flex℠
On Chase's Secure Website. |
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Here are other Chase credit cards that offer extended warranty protection:
As you can see, plenty of Chase cards provide extended warranty coverage. Some charge an annual fee, but there are also quite a few no annual fee cards on the list.
To file a Chase extended warranty claim online, visit Card Benefit Services. If you want to file by phone, call 1-800-874-7702. Certain Chase cards have different phone lines for extended warranty claims, which you can find in your guide to benefits.
You must file your claim within 90 days of the product's failure. If not, your claim may be denied.
During the claim process, you'll receive a claim form. You should also get information about where to get your product repaired. You may need to provide documentation, which can include:
Return the completed and signed claim form along with any required documents within 120 days of product failure. Again, your claim may be denied if you fail to do so.
If your claim is approved, your item will be either repaired or reimbursed. Remember that the maximum amount will be the original purchase price on your credit card receipt, minus shipping and handling. There's a limit of $10,000 per claim and $50,000 per account.
Extended warranty coverage is one of many Chase credit card benefits. Like purchase protection, another valuable extra, you get it with just about every Chase card. These features may not get as much attention as rewards and sign-up bonuses, but they're still an important part of evaluating the best credit cards and picking the right one for you.
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:
Some other questions we've answered:
Chase extended warranty protection provides an additional year of coverage to original eligible warranties of three years or less. The item will have the exact same warranty coverage for an extra year.
To receive this benefit, you need to pay for at least a portion of the purchase with your Chase card or rewards from that Chase card.
Chase's extended warranty doesn't cover all purchases. For example, it doesn't cover motorized vehicles, items intended for resale, computer software, and medical equipment. You can see more of the purchases that aren't covered in your Chase credit card's guide to benefits.
To file a Chase extended warranty claim, visit its Card Benefit Services site. Sign in to your account or, if you don't have an account yet, create one using your email address and card number. Once you've signed in, you can file your claim.
Alternatively, you can call the claims phone number found in your Chase card's guide to benefits.
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