Manufacturer's warranties protect you if there's a problem with something you bought. These warranties don't last forever, but you can lengthen them with many of the best credit cards. For example, Amex extended warranty protection* will get you an extra year on eligible warranties -- as long as you pay with the right American Express card.
To take full advantage 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 credit cards have this valuable feature.
How does Amex extended warranty work?
American Express extended warranty coverage adds one year to the original manufacturer's warranty. For example, let's say you use your Amex card to buy a new television with an 18-month warranty. If it broke down after 20 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 applies to products with warranties of five years or less. It 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.
For this benefit to apply, you must pay for the purchase with your American Express card or American Express rewards points.
What is covered
Eligible purchases with an original manufacturer's warranty are covered by Amex extended warranty protection. You can file a claim if there's a problem with the item due to a covered event during the extended warranty period. If the claim's approved, the American Express extended warranty will pay for the appropriate repair or replacement service.
The coverage limit is either the cost of the original purchase or your card's extended warranty limit, whichever is less. Every American Express card 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.
Amex cards that offer extended warranty
These are the current consumer American Express cards that offer extended warranty protection:
- American Express® Gold Card
- American Express® Green Card
- The Platinum Card® from American Express
- Blue Cash Everyday® Card from American Express
- Centurion Card® from American Express
- 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 Aspire Card
- Hilton Honors American Express Card
- Marriott Bonvoy Brilliant™ American Express® Card
Terms apply.
All these cards provide the same Amex extended warranty coverage. 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.
Choosing a credit card
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
Go to the Amex extended warranty claims webpage to file online. After logging in, click "File a Claim." Go through the online claim process and provide the required information. If you'd like to file your extended warranty claim over the phone, call 1-800-228-6855.
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.
Our favorite American Express cards with extended warranty
Extended warranty service usually isn't the first thing people look at when evaluating rewards 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 Aug. 18, 2022
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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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Rating image, 4.50 out of 5 stars.
4.50 stars
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.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. |
Rating image, 4.50 out of 5 stars.
4.50 stars
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.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. |
Rating image, 5.00 out of 5 stars.
5.00 stars
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.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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Apply Now for The Platinum Card® from American Express
On American Express' Secure Website. Terms apply |
Apply Now for Blue Cash Preferred® Card from American Express
On American Express' Secure Website. Terms apply |
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| Rates & Fees | Rates & Fees | Rates & Fees |
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Credit Rating Requirement: |
Credit Rating Requirement: |
Credit Rating Requirement: |
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100,000 Membership Rewards® Points |
60,000 Membership Rewards® Points |
$350 statement credit |
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1x - 5x points |
1x - 4x points |
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 |
Regular APR: 18.24%-25.24% Variable |
Regular APR: 16.24%-27.24% Variable |
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Annual Fee: $695 |
Annual Fee: $250 |
Annual Fee: $95 |
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Highlights:
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Highlights:
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Highlights:
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Apply Now for The Platinum Card® from American Express
On American Express' Secure Website. Terms apply |
Apply Now for Blue Cash Preferred® Card from American Express
On American Express' Secure Website. Terms apply |
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Still have questions?
Some other questions we've answered:
FAQs
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Not all American Express cards offer extended warranty coverage. You can currently get extended warranty coverage with the following consumer American Express cards:
- American Express® Gold Card
- American Express® Green Card
- The Platinum Card® from American Express
- Amex EveryDay® Preferred Credit Card
- Blue Cash Preferred® Card from American Express
- Centurion Card® from American Express
- 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 Aspire Card
- Hilton Honors American Express Card
- Marriott Bonvoy Brilliant™ American Express® Card
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American Express extended warranty covers eligible purchases with an original manufacturer's warranty of up to five years. 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.
About the Author
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.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. The Motley Fool has a Disclosure Policy. The Author and/or The Motley Fool may have an interest in companies mentioned.
* 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.
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 Everyday® Card from American Express, 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 Marriott Bonvoy Brilliant™ American Express® Card, click here
For rates and fees for the The Platinum Card® from American Express, click here
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