Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
An extended warranty can be one of the most valuable ways that using a credit card can protect the things you buy. But it is a benefit that few people take advantage of. Fortunately, many credit cards, including many no-annual-fee credit cards offer this benefit which is both simple and useful.
Chase is one of the few credit card issuers that offers an extended warranty benefit on most of its credit cards. This includes many no-annual-fee credit cards like the Chase Freedom Flex and Chase Freedom Unlimited.
Here’s what you need to know about the Chase extended warranty benefits.
In this article
What is Chase extended warranty?
Chase extended warranty is a benefit that offers one additional year of warranty coverage on most items you purchase with your eligible Chase card. Most Chase cards offer an extended warranty benefit and your items are covered when you use your card or your card’s rewards to purchase them.
Essential terms of Chase warranty coverage
Here are the essential facts about Chase extended warranty coverage:
- Extends your original manufacturer’s U.S. repair warranty by 1 year. Applies to warranties of 3 years or less.
- Covers repair or replacement of items that fail under the terms of your original warranty. If your original warranty would cover an item failure, Chase’s extended warranty will include that coverage.
- Provides coverage up to $10,000 per claim. Coverage is also limited by the actual amount you charged to your card. Business cards are limited to $50,000 per year. Personal cards have a limit of $50,000 for the life of the account.
- Items intended for commercial use must be purchased with a small business card. Generally, Chase’s personal credit cards exclude commercial use items from coverage.
- You are covered automatically when you use your card or your card’s rewards to purchase an item. You don’t have to register your purchases to take advantage of Chase’s extended warranty protection, but doing so can help you access the documentation you need, if you ever need to make a claim.
October 2024 updates to Chase extended warranty coverage: New benefit administrator.
Starting October 1 2024, Chase is changing the benefit administrator and underwriter for chase extended warranty coverage. Practically, this means that you’ll work through a new website and work with a new team of people starting on October 1st. Here’s what’s changing:
- Where you file a claim changes. Starting October 1, you’ll file extended warranty claims through chasecardbenefits.com. Cards will also have different toll-free phone numbers to make claims, which will be in your card’s new guide to benefits.
- Losses from cyber incidents are no longer excluded. Previously, Chase explicitly excluded losses from cyber incidents in its terms and conditions. Under the new guides to benefits, these losses are no longer excluded from coverage.
- Coverage limits are now per year for small business cards. Previously, Chase extended warranty coverage provided up to $50,000 in coverage for the life of the account on small business cards. Under the new extended warranty terms, this is $50,000 of coverage per year. Consumer cards still have a $50,000 per account limit.
Which cards offer Chase extended warranty?
The Chase extended warranty benefit is available on nearly all credit cards that Chase issues and the terms of the benefit. Only a handful of cards to not offer a Chase extended warranty benefit. Cards that offer no extended warranty benefit include the Aeroplan Card and the IHG co-branded credit cards.
How to file a Chase extended warranty claim
It an item you’ve purchased with your card fails and you need to file a claim, the most convenient way to file a claim is to start online.
- Prior to October 1, 2024, you’ll need to file all claims with Chase’s current benefits administrator on www.cardbenefitservices.com.
- After October 1, 2024, you’ll be able to file your claim starting at the new benefit administrator’s website, chasecardbenefits.com.
At either website, you’ll be asked a few questions about the product failure and you’ll likely need to provide copies of your sales receipt and credit card account statement. You may also need to provide a copy of the manufacturer’s warranty terms or a repair estimate if requested.
Chase terms state that you need to begin your claim within 90 days of the date your product fails and submit all requested documentation within 120 days.
Benefit administrator phone numbers
Starting October 1, 2024, you’ll file claims on Chase’s new benefits administrator website for all cards: chasecardbenefits.com. However, which phone number you’ll use to contact the benefit administrator will vary by card. Here are the phone numbers for the new benefit administrator on Chase’s most popular cards.
| Chase credit cards with extended warranty coverage | Benefit administrator phone number |
|---|---|
| Chase Ink cards Ink Business Cash® Ink Business Unlimited® Ink Cash® Ink Business Capital® Ink Business Premier® Ink Business Preferred® | 1-800-349-4814 |
| Chase Freedom cards Chase Freedom®, Chase Freedom Unlimited®, Chase Freedom Rise® and Chase Freedom Student Chase Freedom Flex | 1-800-349-2691 |
| Marriott Bonvoy Boundless® Credit Card | 1-800-350-0939 |
| World of Hyatt Credit Card | 1-800-349-4610 |
How can Chase extended warranty save you money?
Credit card extended warranty coverage can extend the terms of a manufacturer’s warranty for items you purchase using your card. An extended warranty benefit won’t cover a shattered phone screen or a dropped laptop, but it can provide for a repair or replacement of many items if they fail under normal usage.
Knowing what extended warranty coverage your credit card has and how it works can save you money. You may not need to purchase a store’s extended warranty coverage if your credit card offers comparable coverage for free. We recommend prioritizing using a card with extended warranty coverage whenever you purchase an expensive item that you would want to repair or replace if it broke.
For most people, it can make sense to forego some rewards in order to purchase items that have warranties with a credit card that offers an extended warranty benefit. Here’s what you need to know about the extended warranty benefits provided by Chase.
Chase extended warranty terms deep dive
Here’s a deeper dive into the terms and conditions of Chase extended warranty coverage. See your card’s Guide to Benefits for the most up-to-date information.
How long does coverage last?
When you purchase an eligible item on your card that offers Chase’s extended warranty coverage, you’ll get one additional year of warranty coverage as long as your total coverage under other warranties is three years or less.
Chase warranty coverage extends the following types of warranties:
- Original manufacturer’s U.S. repair warranty.
- Store-provided warranty.
- Consumer-purchased service contract.
Chase warranty coverage begins after all of your other warranties end. For example, if your item came with a 90 day warranty from the manufacturer and you purchased an additional year of warranty coverage from a retailer, your Chase warranty coverage would begin approximately 455 days (90 days + 365 days) after you purchase your item.
What costs are covered?
Chase extended warranty covers the cost to repair your item, the cost to replace the item with an item of like kind and quality, or the amount you originally charged to your covered card to purchase the item. The benefit administrator will decide whether to have the item repaired or reimburse for repair/replacement.
Coverage is limited to $10,000 per item and a maximum of $50,000 per account (for consumer cards) or $50,000 per year (for small business cards.)
What kinds of items are excluded?
Chase’s extended warranty terms exclude certain items from coverage. In most cases, it’s likely easy to understand why an item is excluded. Here’s the list of extended warranty exclusions commonly found in the Guide to Benefits of most Chase cards:
- Boats, automobiles, aircraft, and any other motorized vehicles and their motors, equipment, or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle
- Any costs other than those specifically covered under the terms of the original manufacturer’s written U.S. repair warranty, as supplied by the original manufacturer or other eligible warranty
- Items purchased for resale, professional, or commercial use
- Rented or leased items
- Computer software
- Medical equipment
- Used or pre–owned items (a refurbished item will be covered as long as it has a warranty with it and would not be considered used or pre–owned)
Some other issuers’ extended warranty coverage terms exclude residential or business fixtures. A Chase card may be a good choice to use for purchasing household appliances, as it does not list these exclusions.
Best practices and recommendations
Ideally, you’d never have to file an extended warranty claim, but if you do, here are some things we recommend to make sure that everything goes smoothly.
Save your receipts (and statements) when you purchase an item
If you ever need to make a claim against a credit card extended warranty policy, you will likely be required to provide documentation to substantiate your claim. The benefit administrator will almost certainly ask you to send them a copy of your sales receipt, a copy of the credit card statement showing the charge, and a copy of the original or purchased warranty terms. Collecting and storing these items somewhere you can access
Using a note-taking app like OneNote or Evernote is a great choice for storing your receipts for the items you purchase. Free versions of both of these apps exist and can store a variety of files in a single location, including a PDF of your statement, a photo of your receipt, or a scanned copy of your item’s original manufacturer’s warranty.
Register your purchase with the benefit administrator
If you want to offload the task of storing and organizing your receipts, you can register your purchase with Card Benefit Services, Chase’s benefit administrator. Registering your purchase can help make processing your extended warranty claim easier because the benefit administrator can access documentation that they already have.
Registering your purchase is not required, but if you want to register your purchase, you can do so on the Card Benefit Services website.
File your claim promptly
If an item you purchased fails and you want to make an extended warranty claim, it’s best to file your claim promptly. Chase’s terms state that your claim may be denied if the benefit administrator does not receive your claim within 90 days of the product failure.
An experience with the Chase Extended Warranty
I purchase everything that I’d ever want to make a warranty claim on using my credit card, but I generally use an American Express credit card that I pay an annual fee for. American Express has a stellar reputation for customer service and I’ve generally found claims with them to be hassle-free.
But recently, a friend of mine made a Chase Extended Warranty claim and found the process to be as seamless as Amex. Here’s what happened.
She had purchased some bicycle shoes about a year and a half ago. Unfortunately, one of the stitched seams on one of the shoes started coming apart and they needed to be replaced. The shoes were in otherwise good condition.
She submitted a claim with Chase through www.cardbenefitservices.com. Within a few days, the benefits administrator got back to her and asked her for both a picture of the shoe, the original receipt, and the Chase account statement for the card that she used. Since she purchased the shoes through Amazon, she could easily find her receipt. And the Chase statement could be printed off from the bank’s website.
Within a few weeks, she had a check for the original purchase amount of her shoes. She was not required to send the defective shoes to Chase
Frequently asked questions
If I purchase an extended warranty from the manufacturer, like AppleCare, can I get extended warranty coverage?
Chase extended warranty coverage begins at the end of all cumulative warranty coverages. For example, if you purchased an iPhone that came with a 1-year warranty and purchased an additional 1-year AppleCare warranty, your Chase extended warranty benefit would extend your warranty for an additional year, providing three years of warranty coverage.
What if an item I purchase has only a 90-day warranty?
The Chase Extended Warranty Protection benefit will extend your warranty by an additional year in this case, giving you a total of 1 year and 90 days of warranty protection. The first 90 days would be covered under your manufacturer’s warranty; the following year would be covered by your credit card benefit.
If I purchase an item with a 1-year warranty and it fails after seven months, do I submit a warranty claim through Chase?
In this case, you would contact the original manufacturer for warranty service; Chase extended warranty protection would only apply after the original manufacturer’s warranty ends.
Would exercise equipment like a Peloton Tread+ be covered under the Chase extended warranty?
Exercise equipment is not listed in the benefit exclusions, so your new Tread+ would enjoy an additional 12 months of warranty for free.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
