Citi vs. Amex Extended Warranties

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CarefulBuilder14
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Citi vs. Amex Extended Warranties

Postby CarefulBuilder14 » Mon Aug 21, 2017 11:33 pm

How do others feel about extended warranties from Amex vs. Citi cards?

Citi has a two-year extension, while Amex adds only one year but has a reputation for a smoother process. Citi covers lost items on all cards, while Amex only covers lost items on Plat/Cent. I have a Plat, so in that sense they are equivalent to me.

I had a smooth experience with Citi over one purchase, but haven't had to file a warranty claim with Amex yet.

So what card(s) are others using for breakable stuff these days?
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card


Tubpbs
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Re: Citi vs. Amex Extended Warranties

Postby Tubpbs » Tue Aug 22, 2017 6:15 pm

CarefulBuilder14 wrote:How do others feel about extended warranties from Amex vs. Citi cards?

Citi has a two-year extension, while Amex adds only one year but has a reputation for a smoother process. Citi covers lost items on all cards, while Amex only covers lost items on Plat/Cent. I have a Plat, so in that sense they are equivalent to me.

I had a smooth experience with Citi over one purchase, but haven't had to file a warranty claim with Amex yet.

So what card(s) are others using for breakable stuff these days?



What kind of purchases are we taking about here?
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

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CarefulBuilder14
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Re: Citi vs. Amex Extended Warranties

Postby CarefulBuilder14 » Tue Aug 22, 2017 6:29 pm

Tubpbs wrote:
CarefulBuilder14 wrote:How do others feel about extended warranties from Amex vs. Citi cards?

Citi has a two-year extension, while Amex adds only one year but has a reputation for a smoother process. Citi covers lost items on all cards, while Amex only covers lost items on Plat/Cent. I have a Plat, so in that sense they are equivalent to me.

I had a smooth experience with Citi over one purchase, but haven't had to file a warranty claim with Amex yet.

So what card(s) are others using for breakable stuff these days?



What kind of purchases are we taking about here?

The question is a general one, but the timing is because I'm shopping for a video camera and related accessories, expecting to spend somewhere between $300 and $800. I'm probably going to go with the reasonably rugged GoPro Hero5 (about $600 with accessories), even though I know the next year's model is only a few months away.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

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CarefulBuilder14
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Posts: 4445
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: Citi vs. Amex Extended Warranties

Postby CarefulBuilder14 » Tue Aug 22, 2017 8:14 pm

This is the approach that currently seems to make the most sense:

Is the merchant shady? If yes, Platinum for potential dispute resolution.
Is there a base warranty? If no, Platinum for purchase protection.
Is the merchant reputable, and is there a base warranty to extend? If yes to both, Citi.

There's also the consideration that I may end up bonus chasing a different variant of Platinum (and close Schwab, losing existing item protections), while my Costco card should remain as is for several years.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card



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