What is Discover Card Extended Warranty?

What is Discover Card Extended Warranty? This is a question that many consumers have, especially when they are about to make a large purchase. Extended warranty coverage can be a lifesaver when something goes wrong with your purchase after the manufacturer’s warranty has expired.

That’s why it’s important to know what your credit card company offers in terms of extended warranties. In this blog post, we will discuss Discover Card Extended Warranty.

What is a Credit Card Extended Warranty and how does it work

Have you ever bought a big-ticket item using your credit card, only for it to break or malfunction shortly after the manufacturer’s warranty has expired?

The good news is that many credit cards offer extended warranties on items purchased using their card. This means that if your item breaks or stops working within a certain period (often extending beyond the manufacturer’s warranty), the credit card company will cover repair or replacement costs.

To qualify for this coverage, it’s important to make sure your purchase was made entirely with your credit card (not a combination of cash and card) and that you still have the item in your possession.

Most credit cards will also require you to submit proof of purchase and potentially other documentation, but it’s worth it to potentially save yourself the headache and expense of repairing or replacing a recently purchased item.

So next time you’re making a big purchase, be sure to check if your credit card offers extended warranty coverage!

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What does an extended warranty cover?

What is Discover Card Extended Warranty
What is Discover Card Extended Warranty

Have you ever been tempted to add on that extended warranty with your purchase? You might be wondering, what exactly does it cover?

The extended warranty offered by your credit card company typically mirrors the terms of the original manufacturer’s warranty. So if the original warranty only covers manufacturing defects, then the extended warranty will do the same.

It’s important to note that an extended warranty does not cover accidental damage or normal wear and tear – for those issues, you may want to look into purchasing a separate insurance plan.

Ultimately, it’s up to you to decide if paying for the additional coverage is worth the peace of mind. Just make sure to read the fine print before making a decision.

Does Discover Credit card offer an extended warranty? NO

As of February 2018, Discover has discontinued its extended warranty program, as well as its purchase protection, travel accident insurance, return protection, and rental car insurance.

Unfortunately, this puts Discover at a disadvantage compared to other major credit card companies that still offer these benefits to their customers. So if having an extended warranty or rental car insurance is important to you, it may be time to consider switching to a different credit card provider.

While it’s always disappointing to lose a perk that we’ve grown accustomed to using, the upside is that Discover can offer lower/No annual fees and interest rates as a result of cutting these benefits. At the end of the day, it’s up to each cardholder to weigh the pros and cons and decide what’s best for them.

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Is there any other way to get an extended warranty?

If you’re interested in getting an extended warranty but don’t have a credit card that offers this benefit, there are other options available.

Chase Sapphire Reserve® card and the Blue Cash Preferred® Card from American Express have got you covered. Both cards offer extensive extended warranty benefits, so you can rest assured that your new appliances or electronics will be taken care of in case of any mishaps.

Plus, with fantastic rewards programs and added perks like purchase protection and extended returns, these cards are total power players in the world of credit.

So if an extended warranty benefit is on your must-have list for a credit card, definitely consider either the Chase Sapphire Reserve® or the Blue Cash Preferred® Card from American Express.


In Conclusion, an extended warranty is a type of insurance that covers repair or replacement costs if an item breaks or stops working within a certain period.

Most credit cards will require you to submit proof of purchase and potentially other documentation. Discover has discontinued its extended warranty program. However, other major credit card companies such as Chase and American Express still offer this benefit to their customers.

Do your research to see if an extended warranty is right for you!

About Author

Dhiraj Jha
Dhiraj Jha
As a personal finance and credit cards expert, I provide valuable insights and advice on budgeting, saving, investing, and debt management. I am also an expert on credit card rewards programs and help readers make informed decisions about which cards are right for them. My goal is to help people improve their financial literacy and make better financial choices.