Best extended warranty!! - (Think Citi Credit Cards)

While most of the time we make a purchase the consideration is on the credit card which gives best bang for the buck (maximize cash back or points), there are times when you are looking for things beyond just the cashback. So what are little know things which might matter for that big purchase you are eyeing to make? Below are couple of things which you should look at:

• Purchase protection / damage protection / return protection
• Extended Warranty

While there are other areas where Citi might not be a beat in terms of benefits, the one area it shines ( as of now) is the Extended Warranty. Most Citi credit cards barring a few still provide Extended Warranty which looks like below:

• Get Extra 24 months of warranty. Maximum total coverage up to 7 years if you purchase extended warranty of 5 years. Coverage begins at the expiration of the manufacturer provided or purchased extended warranty.
• Reimbursement up to the amount charged to Citi Card with maximum per item limit of $10,000.
• Repair, replace or reimbursement provided based on claim.
• 24 months additional warranty provided as long as some manufacturer warranty exists (Even if the manufacturer warranty is 6 months or less).

As you can see from above, if the item is an expensive one then Citi provides an excellent coverage. You could technically charged partial amount to the card and still would have extended warranty up to the amount charged on Citi credit card. Also 24 months is an additive extended warranty. So you can purchase additional warranty from manufacturer or the store and Citi would extend it further up by 24 months with maximum total of 7 years.

So, if you are considering purchasing a big ticket item (except the one from exception list as provided by Citi benefits guide) your best bet would be to go with Citi Credit Card.

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