11 credit cards with the best extended warranties

Many people with credit cards may be unaware that when they pay for a plastic product, they may be extending the item’s warranty.

Credit cards often offer extended warranties on many items you purchase with the card. However, while this benefit is widespread, some cards offer better and more convenient protection than others, according to a WalletHub survey.

The website recently ranked credit card extended warranty programs among 62 of the most popular cards. The rankings were based on six criteria:

  • Registration conditions
  • Purchases covered
  • Warranty period
  • Cover limit
  • Claims process
  • Transparency

American Express’ Centurion card scored 99%, the highest score in the WalletHub survey. He scored perfect in every category except Cover Limit, where his 9% was just below the maximum score of 10%.

In total, the top credit cards in the survey have been neatly separated into three categories:

Cards scoring 99%:

  • American Express Centurion Card

Cards scoring 95%:

  • The Platinum Card from American Express
  • Blue Cash Preferred card from American Express
  • American Express Gold Card
  • American Express Green Card
  • Amex EveryDay Preferred Credit Card
  • American Express card blue

Cards scoring 91%:

  • Citi Premier Card
  • Citi Simplicity Card
  • Citi Rewards+ Card
  • Citi Diamond Preferred Card

Below, scores ranged from 61% to 87%.

WalletHub noted that two major credit card providers — Discover and Wells Fargo — do not offer extended warranties through their cards.

In contrast, Chase and USAA offer this benefit on all of their cards, Bank of America offers it on 87.5% of their cards, and American Express offers extended warranties on 70% of their cards. Other major providers fall below 70%.

The benefit of credit card extended warranty programs can be significant. WalletHub notes that 29% of the cards in its survey will even extend a five-year original manufacturer’s warranty from one to three years.

However, only 21% of cards offer warranty extensions longer than one year.

It’s important to remember that cards that offer extended warranties don’t usually cover all purchases. WalletHub states that “each credit card’s extended warranty policy has numerous coverage exclusions.”

If you want a better option than what’s currently in your wallet, stop by our Solution Center and find a great new credit card.

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