which of these credit cards have the best "extended warranty" benefit?

[purbeast0]

i'm about to purchase a macbook and i have 2 credit cards that have an extended warranty of a year over the manufacture warranty. one is an amex blue and one is the chase sapphire preferred card.

i'm curious if anyone has ever had to use either of these for the extended warranty benefit and if so, what the process was like. i've read some stories about amex being kind of a PITA as far as process goes but i haven't heard much as far as the sapphire preferred card goes, so just wondering if anyone has experiences with either and how it went.

 

[s0me0nesmind1]

I've ALWAYS been told if I have a major purchase and want to charge it, AMEX is the way to go for extended warranty, hands down.

AFAIK - It doubles the warranty? Personally, I haven't really had anything that needed a warranty (Refrigerator, A/C, major appliance, etc...) so I can't exactly vouch for knowing on expert mode.

 

[jlee]

I've done two warranty claims via Amex Blue and they were incredibly easy.

My experience with Sapphire Preferred has been excellent (ever call the # on the back of the card? Immediate real person, no menus and no hold time!), but if you might close the card within the warranty period (as it has an annual fee after the first year) it may be safer to put it on the Amex.

Amex doubles the manufacturer's warranty up to one year, i.e. 3mo warranty becomes 6mo, 1yr warranty becomes 2yr, 3yr warranty becomes 4yr, etc (as I recall).

 

[purbeast0]

okay cool thanks, going to just use my amex card then. was doing even more googling and people did seem to have good experiences having to use the benefit.

 

[Wonderful Pork]

most of these cards only provide up to $1k of coverage, no matter how much the initial charge was ($10k charge, only get $1k back) unless you have a more premium card.

What if the item exceeds the limit for coverage?
Purchase Protection can provide coverage up to $1,000 per Occurrence, up to $50,000 per Card Member account per calendar year and any amount over that will not be reimbursed or covered. You will only be reimbursed for the amount charged to your eligible Card.

For Platinum Card® and Delta Reserve Card Members, Purchase Protection can provide coverage up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year and any amount over that will not be reimbursed or covered. You will only be reimbursed for the amount charged to your eligible Card.

 

[purbeast0]

most of these cards only provide up to $1k of coverage, no matter how much the initial charge was ($10k charge, only get $1k back) unless you have a more premium card.

not the 2 that i mentioned in the OP.

and i'm not talking about "purchase protection" i'm talking about the extended warranty coverage. they are 2 different benefits.