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.
February 25, 2025: In late 2024, Citi revamped its extended warranty benefit, dramatically cutting what was perhaps the most generous credit card extended warranty, but expanding the benefit to many more cards.
Here’s everything you need to know about the Citi extended warranty benefit.
What is Citi extended warranty?
Citi’s extended warranty benefit doubles the coverage of your original manufacturer’s or store warranty on items with a warranty of 24 months or less. Extended warranty coverage from Citi starts the way your other warranties expire.
The benefit covers repair or replacement of your item under its coverage, usually up to a limit of $10,000.
In this article…
Which cards offer Citi Extended Warranty?
Citi doesn’t publish information about the extended warranty benefits on its cards publicly, so we’ve needed to confirm the existence of this benefit with people who actually hold the card. Here are the Citi cards we’ve confirmed have an extended warranty benefit:
Additionally, we suspect that the Citi Strata Premier℠ Card offers an extended warranty benefit, due to the fact that it’s in the same product family as the above cards. Some sites report that the American Airlines credit cards offer some form of extended warranty benefit, but many of the reports we found appear to be outdated articles that are refreshed with a new time-stamp, rather than updated.
Which cards do not offer Citi Extended Warranty
Additionally, we’ve confirmed that the following cards do not offer Citi’s extended warranty benefit:
- Citi Dividend Card. This card is not available to new cardmembers.
What is covered?
Like most credit card extended warranty benefits, Citi’s warranty protection will cover the cost to repair or replace the item, up to the amount you charged to your Citi card. Specifically, the terms state that the benefit will pay the lesser of:
- The purchase price of the item charged to your Citi card, less shipping and handing.
- The actual cost to repair the item.
- The cost to replace the item with an item of like kind and quality.
- $10,000 per item.
The benefits mention that Citi gets to decide whether to replace or repair your item, and that items provided as replacements will be of like kind and quality. So, they don’t guarantee that they’ll replace your item with the same color, size, or model.
What is excluded from coverage?
All extended warranty benefits exclude some items, and Citi’s benefit is no exception. Citi’s exclusions are generally in-line with what you’d expect to be excluded from an extended warranty benefit. Here are the highlights of the excluded items, but a more complete list can be found in your card’s Guide to Benefits:
- Used items, antiques and collectibles that do not come with a manufacturer’s or store warranty.
- Refurbished, recycled, remanufactured, or rebuilt items.
- Product guarantees like “satisfaction guaranteed” promises.
- Motorized vehicles. Including automobiles, watercraft/boats, aircraft, and motorcycles, and their motors, equipment and accessories, including trailers and other items that can be towed by or attached to any motorized vehicle.
- Land and buildings. Including homes and dwellings, permanently installed items, fixtures, or structures.
- Live items and consumables. Plants, shrubs, animals, pets, consumables, perishables, and limited-life items like rechargeable batteries.
- Services, software, and media with data.
- Shipping and transportation charges.
- Failures from product recalls, lack of maintenance/service, power surges, mold, contamination, intentional acts, war, or hostilities.
- Items purchased for resale, professional, or commercial use.
Coverage length: Updated in late 2024
Previously, any item that qualified for Citi Extended Warranty coverage received an extra 24 months of coverage. On November 17, 2024, with the release of Citi’s new extended warranty benefit, this changed.
Generally, the extended warranty benefit you receive from Citi will double the manufacturer’s or store’s warranty of an item, up to 24 months and will begin at the conclusion of all manufacturer’s, store, and purchased warranties. If your item either does not have a manufacturer/store warranty or the warranty is greater than 24 months, you’ll receive no coverage.
Here is the length of coverage you can expect to receive in several common cases:
| Your original warranty | Additional coverage from Citi | Your Citi extended warranty begins… |
|---|---|---|
| No manufacturer’s warranty or store warranty. | No additional coverage. | – |
| A manufacturer’s warranty or store warranty of 24 months or less. | Additional coverage, equal to the length of the manufacturer’s or store’s warranty. | After the manufacturer’s warranty or store warranty ends. |
| A manufacturer’s warranty or store warranty of 24 months or less. and you purchase a warranty of 24 months or less | Additional coverage, equal to the length of the manufacturer’s or store’s warranty. | After the manufacturer’s warranty, store warranty, and purchased warranty end. |
| A manufacturer’s warranty, store warranty, or purchased warranty of more than 24 months. | No additional coverage. | – |
How to file a claim
For items purchased after November 17, 2024, you’ll be covered under Citi’s new benefit administrator. Here’s how you file a claim.
Online: Start your claim at the Citi online claim center or go directly to the Mastercard benefits site.
You’ll need to log into Citi’s website to get the links applicable to your card. If you go directly to the Mastercard benefits site, you’ll need to enter your card number
By phone: Call 1-833-251-6404. This line is answered from 8am – 8pm EST.
What you’ll need during the claim process
During the claim process, you’ll be asked for certain documents, so it can be useful to collect these prior to initiating your claim. Here’s what you can expect to provide during the claim process:
- Statement reflecting the charge. The benefit administrator won’t have direct access to your Citi account, so you’ll need to provide this. A statement can usually be downloaded from your account online at Citi.com.
- Itemized charge receipt. A photo or scan of a receipt is usually sufficient. Many online retailers allow you to download receipts for previous purchases and some in-store retailers can look up and re-print receipts.
- Itemized repair invoice. If you’ve had your item repaired already, you’ll need this. But it’s best to wait to have the item repaired until Citi’s benefit administrator tells you want it wants to do.
- Details of the original manufacturer’s (or store) warranty. This can usually be found on a manufacturer’s website.
Once you submit your claim, the benefits administration will likely contact your for additional information, which could include a copy of the receipt or pictures of the item. In some cases, you might be required to get a quote from an authorized repair center.
Our take: How Citi extended warranty coverage compares
Before Citi revamped its extended warranty coverage in late 2024, it only offered perhaps the best extended warranty coverage of any credit card issuer. This was largely because the benefit added 24 months to your warranty up to a total of seven years. Unfortunately, Citi only offered this coverage on one card that we knew about, the Citi Rewards+® Card.
The coverage that Citi offers today is by any measure less generous, but it offers the benefit on many more cards. On balance, we’d prefer to have more coverage across more cards.
Here’s how the current coverage compares against what is offered by other banks:
- In many cases, we’d prefer to have an American Express extended warranty, thanks to Amex’s reputation for less hassle during the claims process. Amex additional warranty coverage caps out at one additional year, but you’ll get coverage on items that have manufacturer’s warranties of up to five years.
- Chase extended warranty is a better choice for items with warranties of less than one year, since it extends warranty coverage for an additional year. And if you item has between 24 and 36 months of manufacturer’s warranty coverage, Chase will give you an additional year while you’ll get nothing from Citi.
Other important terms
Citi may require you to return the items to them if the item you’re claiming a warranty benefit on is not repairable. If the return of an item is requested, that return is at your own expense.
Coverage is secondary to other insurance, meaning that you must make a claim under any other applicable insurance policy before the Citi extended warranty insurance will pay out. You might be required to submit a claim under your homeowner’s insurance or other insurance if it includes extended warranty protection.
Bottom line: Up to 24 months coverage for no additional costs
Citi’s extended warranty offers up to an additional 24 months of warranty coverage on many of the things you buy. It isn’t the best credit card warranty coverage you can get in most cases, but it will keep you protected if you choose Citi cards for your purchases.
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.