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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.
How does Chase extended warranty protection work?
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.
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 protection:
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
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
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
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
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)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
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)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
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)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
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.
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.
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 Travel℠, 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:
20.74% - 27.74% Variable
Regular APR:
21.74% - 28.74% Variable
Regular APR:
19.74% - 28.49% Variable
Annual Fee:
$95
Annual Fee:
$550
Annual Fee:
$0
Highlights:
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
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.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. 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, 2027.
Member FDIC
Highlights:
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
$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 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
Get 50% more value when you redeem your points for travel through Chase Travel℠. 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 $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
Member FDIC
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 Travel℠, 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 19.74%-28.49%.
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.
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 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.
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 evaluating the best credit cards and picking the right one 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:
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.
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
Best for cash back on rotating categories
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:18.49% - 27.49% Variable APR *Rates as of December 12, 2024.
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
Best for cash rewards on everyday spending
$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
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
Best for unlimited rewards on purchases
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 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.
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, 18.49% - 28.49% 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.
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
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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