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A Guide to Chase Extended Warranty Protection

Updated July 19, 2022
Lyle Daly
By: Lyle Daly

Our Credit Cards Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

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.

How does Chase extended warranty protection work?

Chase extended warranty protection adds a year of coverage to original eligible 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 with 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.

What's covered?

Chase extended warranty coverage applies to the following:

  • Eligible items with a valid original manufacturer-written U.S. repair warranty of three years or less
  • Eligible items purchased outside the United States, as long as they have either a valid original manufacturer-written U.S. repair warranty of three years or less, a store-purchased dealer warranty, or an assembler warranty
  • Gifts purchased with your Chase credit card that have an eligible warranty and meet the terms and conditions of this benefit

What's not covered

Chase extended warranty service doesn't cover everything. Items that aren't covered include:

  • Motorized vehicles, including boats, automobiles, and aircraft, as well as their equipment and accessories
  • Items purchased for resale, professional, or commercial use
  • Used or pre-owned products (refurbished items do qualify if they have a warranty and wouldn't be considered used or pre-owned)
  • Computer software
  • Rented or leased items
  • Medical equipment

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.

Chase cards that have extended warranty protection

Here are the 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.

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. Here are a few of our favorite Chase cards that offer extended warranty:

As of Feb. 03, 2023
Image for
Image for
Image for
Chase Sapphire Preferred® Card Chase Sapphire Reserve® Chase Freedom Flex℠
Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. 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 stars
Circle with letter I in it. 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 stars
Circle with letter I in it. 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 Reserve®

On Chase's Secure Website.

Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

Credit Rating Requirement:

Good/Excellent (670-850) Circle with letter I in it. 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.

Credit Rating Requirement:

Good/Excellent (670-850) Circle with letter I in it. 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.

Credit Rating Requirement:

Good/Excellent (670-850) Circle with letter I in it. 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.

Welcome Offer: Circle with letter I in it. 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 Ultimate Rewards®.

60,000 bonus points

Welcome Offer: Circle with letter I in it. 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 Ultimate Rewards®

60,000 bonus points

Welcome Offer: Circle with letter I in it. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus

Rewards Program: Circle with letter I in it. Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

1x - 5x points

Rewards Program: Circle with letter I in it. Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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

1x - 10x points

Rewards Program: Circle with letter I in it. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

1% - 5% cash back

Intro APR: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Intro APR: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Intro APR: Circle with letter I in it. 0% Intro APR on Balance Transfers, 15 months

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR:

20.24% - 27.24% Variable

Regular APR:

21.24% - 28.24% Variable

Regular APR:

19.24% - 27.99% Variable

Annual Fee: Circle with letter I in it. N/A

$95

Annual Fee: Circle with letter I in it. N/A

$550

Annual Fee: Circle with letter I in it. N/A

$0

Highlights:

  • 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 Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Highlights:

  • 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 Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Highlights:

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
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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How to file a claim

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:

  • Credit card statement showing the last four digits of your Chase card and that the purchase was made on this account
  • Copy of the itemized sales receipt
  • Copy of the original manufacturer's warranty
  • Description of the item, its serial number, and anything else that's needed to substantiate the claim
  • Original repair estimate or bill with the cause of failure

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 comparing credit cards and picking the right one.

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:

FAQs

  • 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 information.

  • 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, call the claims phone number found in your Chase card's guide to benefits.

Our Credit Cards Expert