A Complete Guide to American Express Extended Warranty
Updated
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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.
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.
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:
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:
There are also certain circumstances when your extended warranty coverage won't work. Here are some common examples:
More information on what the Amex extended warranty does and doesn't cover is available in each card's guide to benefits.
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.
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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.
4.50/5
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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
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= Fair = Poor |
Rating image, 4.00 out of 5 stars.
4.00/5
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
Rating image, 4.00 out of 5 stars.
4.00/5
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 |
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
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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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 eligible purchases on your new Card in your first 6 months of Card Membership. 80,000 Membership Rewards® Points |
Welcome Offer: Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. 60,000 Membership Rewards® Points |
Welcome Offer: Earn a $250 statement credit after you spend $3,000 in eligible 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 worldwide (on up to $50,000 per calendar year in purchases), 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% on purchases, 12 months Balance Transfers: 0%, 12 months |
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APR: See Pay Over Time APR |
APR: See Pay Over Time APR |
APR: 18.24%-29.24% Variable |
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Annual Fee: $695 |
Annual Fee: $325 |
Annual Fee: $0 intro annual fee for the first year, then $95. |
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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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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. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Card Members are responsible for the costs charged by third-party service providers. • Trip delay insurance underwritten by New Hampshire Insurance Company, an AIG Company. • Extended warranty, baggage insurance plan, car rental loss & damage insurance, and purchase protection warranty underwritten by AMEX Assurance Company. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Card Members are responsible for the costs charged by third-party service providers. • Extended warranty, purchase protection warranty, and car rental loss & damage insurance underwritten by AMEX Assurance Company.
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:
There are two ways to file an Amex extended warranty claim:
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:
When American Express has received satisfactory proof and determined the claim is payable, it pays benefit claims within 30 days.
There are quite a few other great American Express cards that offer extended warranty protection. Consumer American Express cards with this benefit include:
Terms apply. (All information about the American Express® Green Card has been gathered independently by Motley Fool Money.)
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.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
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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 |
Discover will match all the cash back you’ve earned at the end of your first year. | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 18.24% - 27.24% Variable APR |
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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 |
$200 cash rewards Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. | 2% cash rewards Earn unlimited 2% cash rewards on purchases. |
Intro: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR, 12 months from account opening Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers Regular: 19.24%, 24.24%, or 29.24% Variable APR |
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Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
Rating image, 4.00 out of 5 stars.
4.00/5
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 |
25,000 points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases | 1.5-3 points per dollar Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. |
Intro: 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days Regular: 18.24% - 28.24% (Variable) |
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
Some other questions we've answered:
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:
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.
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.
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. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands. Terms may apply to offers listed on this page.
* 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 Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
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 Blue Cash Preferred® Card from American Express, click here
For rates and fees for the Hilton Honors American Express Surpass® Card, click here
For rates and fees for the The Platinum Card® from American Express, click here
The Motley Fool owns shares of and recommends Visa. The Motley Fool recommends Amex.
