Extended Warranty Protection with Chase Sapphire

Quick insights

• Some credit cards offer an extended warranty benefit that extends the length of coverage on an eligible item’s original warranty.
• Chase Sapphire credit cards provide Extended Warranty Protection.
• In the case of Chase Sapphire, the benefit extends coverage of eligible purchases for one additional year beyond the original manufacturer’s U.S. repair warranty. Terms apply.

It may be possible to extend the original warranty on an item if you’re a Chase Sapphire cardmember. Extended Warranty Protection is one of many cardmember benefits that come with these rewards credit cards. This purchase protection could help you limit losses due to product failure.

Let’s examine what Chase Sapphire’s Extended Warranty Protection has to offer.

What is an extended warranty benefit?

Some credit cards offer their cardmembers extended warranty protection as a complimentary credit card benefit. This protection generally extends the coverage for an eligible item beyond the end date of the original manufacturer’s warranty. The extended policy begins once the original warranty expires, and any limitations from the original policy usually apply to the extended warranty protection.

Typically you’ll need to purchase an item with the eligible credit card and follow the manufacturer’s instructions to activate the original warranty before any extended warranty protection applies. 

You may feel more confident making major purchases with your credit card when you have an extended warranty benefit.

How Chase Sapphire Extended Warranty Protection works

Chase Sapphire’s Extended Warranty Protection provides one additional year of coverage on an item with a store-provided or store-purchased dealer original warranty of three years or less. To be eligible, the item must be purchased with the Chase Sapphire credit card or with rewards points redeemed from that credit card.

For example, if you purchase a laptop with your Chase Sapphire card, and the laptop manufacturer provides a three-year warranty, the Extended Warranty Protection benefit may provide an additional year of coverage. That means you could be covered on eligible losses for a total of four years.

You have the option to register your purchase in advance by submitting a copy of the item’s sales receipt and the manufacturer’s warranty information to the Benefit Administrator. You’re not required to do this, but it may help you use your Extended Warranty Protection if you need it in the near future.

Coverages and limitations with Chase Sapphire Extended Warranty Protection

The Extended Warranty Protection includes what would have been covered under the item’s original warranty. Coverage is limited to the item’s original price, excluding shipping and handling fees, up to a maximum of $10,000 per item. The maximum benefit amount per account is $50,000.

Some purchases are excluded from coverage:

• Motorized vehicles or their motors, equipment or accessories
• Costs other than those specifically covered under the terms of the original manufacturer’s written U.S. repair warranty
• Items purchased for resale, professional or commercial use
• Rented or leased items
• Computer software
• Medical equipment
• Used or pre-owned items

Chase Sapphire Reserve

The Chase Sapphire Reserve^® credit card offers complimentary Extended Warranty Protection to cardmembers. It also offers these protections on purchases:

• Purchase Protection: Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item. Coverage for New York residents is 90 days from the date of purchase.
• Return Protection: You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per 12-month period.

See the Chase Sapphire Reserve Guide to Benefits for more details on the terms and conditions of these purchase protections. Additionally, the card comes with travel rewards and a comprehensive suite of Chase Sapphire travel insurance benefits. Please note that this credit card has an annual fee.

Chase Sapphire Preferred

Chase Sapphire Preferred^® is another option with Extended Warranty Protection. Cardmembers get Purchase Protection, as well as travel insurance and rewards. The Chase Sapphire Preferred Guide to Benefits provides the complete details of coverage for the card’s travel and purchase protections. Please note that this credit card has an annual fee.  

Wondering about how the Sapphire Reserve and Sapphire Preferred credit cards differ? This article covers how Chase Sapphire Preferred and Sapphire Reserve are different.

Benefits of Chase Sapphire Extended Warranty

It can be stressful to make a major purchase. Chase Sapphire cardmembers may find that Extended Warranty Protection gives them peace of mind when buying important items. Purchasing items like computers or kitchen appliances with a Chase Sapphire card could provide additional coverage beyond the original warranty.

Filing a Chase Sapphire Extended Warranty Protection claim

The first step is to contact the Benefit Administrator within 90 days of product failure or as soon as reasonably possible. The Benefit Administrator will ask questions and let you know if any documentation is necessary. You’ll need to return the completed claim form and any documents within 120 days of the loss.

You may be asked to submit these documents:

• Credit card account statement with purchased item
• Documentation of any other eligible payment methods used to pay for item
• Copy of itemized sales receipt
• Copy of documentation for any settlement of loss (if applicable)
• Estimate for repair or copy of paid receipt/invoice for repairs
• Copy of police report, fire report or incident report to substantiate the loss

You could be asked to provide documentation not listed above.

In summary

Chase Sapphire Reserve and Chase Sapphire Preferred cards offer Extended Warranty Protection to cardmembers. This benefit provides an additional year of coverage on an original manufacturer’s U.S. repair warranty (of three years or less) when an eligible item is purchased with a Chase Sapphire credit card or using rewards points on that card.