Best Credit Cards for Purchase Protection and Extended Warranty
What the benefits cover
Purchase protection reimburses or replaces a new item that is damaged or stolen within a set window (often 90 to 120 days), up to a per-claim and annual limit. Extended warranty adds time (often a year) to an eligible manufacturer warranty. Both apply automatically when you pay with a card that includes them. See purchase protection explained.
Which cards are strong
Coverage varies a lot by issuer and network. Many Chase cards and higher-tier Visa and Mastercard products carry solid purchase protection and extended warranty, while American Express trimmed some of these benefits in recent years. Because it differs by card, check the benefits guide rather than assuming a premium card has the best coverage.
Use it for big purchases
Pay for electronics, appliances, and gifts with a card that has these benefits, and keep receipts. Extended warranty is most valuable on items with short manufacturer warranties. File claims through the benefits administrator within the deadline. See holiday shopping for where this shines.
Frequently asked questions
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