What to Know About Chase Freedom’s Extended Warranty
Quick insights
- Extended warranty coverage on eligible purchases is one of many benefits available to Chase Freedom cardmembers.
- This potentially valuable benefit may extend the manufacturer’s warranty by up to a year on certain items. It may be to your benefit to make big purchases, such as electronics, on your Chase Freedom card.
- Generally, the fastest way to take advantage of this benefit is to file a claim online.
When a manufacturer’s warranty ends on a big-ticket item you purchased, that may not be the end of your coverage. If you’re a Chase Freedom cardmember, the item may be eligible for Extended Warranty Protection.
Read on to find out how to take advantage of this valuable benefit.
What is extended warranty protection?
Extended warranty coverage offers you protection beyond the manufacturer’s original or standard warranty. It may cover when items break or need repairs within a set period after the purchase date. This extended protection may be useful to you for items like electronics.
Manufacturers may sell you an extended warranty or you might get it as a benefit through a credit card. Extended Warranty Protection is a good credit card benefit to have.
To get the most out of your extended warranty benefit and avoid surprises, it’s helpful to know:
- The original warranty coverage length
- The extended warranty coverage length
- The maximum coverage per claim or item
- The maximum coverage per year
How does Chase Extended Warranty Protection work?
If you’re a Chase Freedom cardmember, a card benefit you can take advantage of Extended Warranty Protection. This benefit adds a year of coverage to eligible manufacturer U.S. warranties of three years or less.
So, if you purchase an eligible item with a one-year warranty, your Extended Warranty Protection benefit entitles you to an additional year of coverage, giving you a total of two years of protection.
Keep in mind that you’ll need to use your Chase Freedom credit card to purchase the item if you want the additional coverage. The Extended Warranty Protection also applies to purchases made with card rewards or Chase Ultimate Rewards® points. As a Chase Freedom cardmember, all of your eligible purchases are covered, including gifts you purchase for others.
Here are some other terms to be aware of:
- The coverage limit is the item’s original price minus any shipping and handling fees.
- The maximum coverage is $10,000 per claim and $50,000 per account.
- The coverage is secondary to any service contract or extended warranty you purchase or receive.
What is covered and not covered with Chase Freedom Extended Warranty?
If you’re strategic about the purchases you make on your Chase Freedom card, you’re potentially eligible for thousands of dollars in coverage. Here’s what’s covered and what’s not.
What’s covered
Certain items you purchase with your Chase Freedom card are covered if they have a valid, original manufacturer U.S. repair warranty. Eligible refurbished items may be covered if they aren’t considered used or pre-owned and have a warranty.
Items purchased outside the U.S. may be covered if they have:
- A valid original manufacturer U.S. repair warranty of three years or less.
- A store-purchased dealer U.S. repair warranty of three years or less.
- An assembler U.S. repair warranty of three years or less.
Consult your card’s Guide to Benefits (PDF) for a full explanation of coverages, or you can call the number on the back of your card.
What’s not covered
The following are examples of items not covered by the Extended Warranty Protection. It’s not an exhaustive list:
- Automobiles, aircraft, boats and any other motorized vehicles
- Motors, equipment, accessories and towable items of or attachments to motorized vehicles
- Costs not specifically covered in the terms of the original manufacturer’s warranty
- Medical equipment
- Computer software
- Rented or lease items
- Used or pre-owned items
- Items you purchased for commercial, resale or professional use
How do I file a claim?
If an eligible item stops working properly, you’ll need to file a claim. You have 90 days from the product’s failure to contact the Benefit Administrator and submit your claim. It’s usually fastest to file a claim online. You can also file claims by phone at (888) 320-9656.
The Benefit Administrator will ask you questions, direct you to a repair facility and send you the claim form. Submit the claim form and all requested documentation to the Benefit Administrator within 120 days of the product’s failure.
Documents to include with your claim
The Benefit Administrator will let you know which documents are required to process your claim. Here are some of the documents that may be necessary:
- Completed and signed claim form
- Chase credit card statement to show the purchase was made on your account
- Documentation of other purchase methods utilized (i.e. points, etc.) if you used multiple methods
- Copy of itemized sales receipt
- Copy of original manufacturer’s U.S. warranty or any other warranties
- Description of item and its serial number
- Any other necessary documentation, such as a maintenance record and repair receipts
In summary
As a Chase Freedom cardmember, you have access to an Extended Warranty Protection benefit. That’s why it may be a good idea to purchase valuable items like electronics with your Chase Freedom credit card. If an eligible item stops working, you may be covered with your Extended Warranty Protection benefit.
