Looking to buy big appliance? Use Citi Extended Warranty

One of the best card's for extended warranty is Citi. While American Express extended warranty claim is much easier to get approved, AMEX only provides up to 1 year of extended warranty where-as Citi provides up to 24 months of extended warranty. 

Citi's extended warranty adds 24 months to any original manufacturer warranty or purchased extended warranty from vendor/service provider with maximum vendor/service provider of 5 years. So effectively you can get total of 7 years of extended warranty. The best part is you can get this extended warranty with No annual fee Citi Reward+ credit card. 

Below are some of the baseline terms. For complete benefits guide you can look up "card benefits" section after login in to your citi online account:

• Get an extra 24 months added to your warranty when you purchase items at least in part with your Citi card and/or ThankYou® Points. If your eligible item breaks, we’ll repair, reimburse or replace it, up to the amount charged on your Citi card and/or ThankYou® Points or up to $10,000 per item, whichever is less.
• Some Important Details: Coverage begins when the manufacturer’s warranty, or an extended warranty you bought, expires. In no event will total coverage exceed seven years from the purchase date.
• What's Covered: Purchases made with your Citi card and/or ThankYou® Points that come with a manufacturer's warranty.
• Example of What's Not Covered: Cars, boats, aircraft or any motorized land, air or water vehicles and their original equipment. Tires are not covered. Items that do not come with a manufacturer’s warranty.

So, let's say for example you buy a cooking range from Home Depot and you purchased extended warranty of 5 years. You will get additional 24 months of coverage extending your warranty to total of 7 years! If you do not want to pay for the extended warranty from Home Depot than you would still have 1 year of manufacturer warranty (usually) and additional 24 months of extended warranty from Citi. (Note: You need to have some manufacturer warranty provided or else Citi's extended warranty does not apply!)

You also get reimbursed only for the amount paid with Citi credit card/Thank You points. so ensure that you put full purchase charge on Citi card to get the full benefit.

One important thing to check is that even within Citi the extended warranty benefit is not available across all credit card's. For e.g. as of this writing this benefit is not available with Citi Double Cash Card . So do check the benefits of the card before using it for purchase. You can find all the Citi credit card's here.

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