citi simplicity online bill pay

Citi® Double Cash Card: Best for cash back. Why we picked it: This card comes with worthwhile consistency so long as you pay your bills. You'll. Some card issuers may set a later due date if you pay your bill online, don't charge late fees, including the Citi Simplicity® Card and the Apple Card. With Citi Simplicity, avoid paying late by signing up for online payment alerts and bill pay. Pay Online. I didn't mean to pay late! HELP IS AHEAD! citi simplicity online bill pay

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Find answers to commonly asked questions about Synchrony bank products and services such as CDs, high yield savings accounts, money market accounts and IRAs. Usually, it either means that the debits and credits were accidentally reversed, or that the wrong account was used as part of a journal entry. Planar diffused silicon photodiode n PRINCIPLE OF OPERATION Silicon is a semiconductor with a band gap energy of 1. >>> a = [1, 2, 3] >>> a [-1] 3. BlackRock offers a range of solutions for institutions, financial professional and individuals across the U. Open textbooks are licensed by authors and publishers to be freely used and adapted. • Competitive Wages. However, the most optimal training dosage of KBA exercises is still unclear. If your credit balance increases to above 35% of your available limit on that card, it could negatively affect your credit score. FSNB offers a wide range of opportunities for new jobs and advancement. 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Osteoarthritis ( OA) is a type of degenerative joint disease that results from breakdown of joint cartilage and underlying bone. Monitor the markets, open trades, set stop loss and take profit limits, keep in touch with the latest events in the financial market. When an accountant records a sale or expense entry using double-entry accounting, he or she sees the interconnections between the income statement and balance sheet. A sale increases an asset or decreases a liability, and an expense decreases an asset or increases a liability. Managers and co-workers are advised to listen, redirect, and work towards a solution with the contrary employee. The most common symptoms are joint pain and stiffness. These occur when the production of a good creates external costs that are damaging to third parties. Therefore, you could get several NSF fees for small items if you also had one large check clearing your account on the day it went into the negative. 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HDFC Bank Savings Account Minimum Balance: For regular savings accounts held in HDFC Bank's metro and urban branches, the customer is required to maintain an average monthly balance of Rs 10,000. Open textbooks are licensed by authors and publishers to be freely used and adapted. 12 eV at room temperature. 91, the kinematic viscosity, v, is inversely proportional to the flowrate, Q. Statements are provided monthly and may be combined with other deposit accounts. Annual fee. The 14 knee OA patients in the study (all of whom had proprioceptive deficits at baseline) experienced significantly improved proprioception after application of the brace, but the difference from baseline was small—a mean difference of. Plus, get a first-year annual fee rebate for you and up to 3 authorized users. Knee OA affects most adults aged 65 or older, with a prevalence in the US of 33. 40 % APY, balances under $10,000 earn 0. 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I felt I covered all the cases but some of the hidden test cases didn't pass. 4 Women with radiographic knee OA are more likely to have symptoms than men, and African Americans generally report more knee and hip symptoms than do whites. A balance functions by measuring the force of gravity that the earth exerts on an. A high-yield savings account is a type of savings account that earns higher than average interest on the balance amount. Patients with OA might have pain and limited function and not capable to perform exercise. 6A with VC and CC Control, Upgraded TP3005D,HY3005, Mastech: Amazon. Individualization of exercise based on patient’s condition and preference is therefore how is plain yogurt good for you. If your credit balance increases to above 35% of your available limit on that card, it could negatively affect your credit score. Three (3) withdrawals allowed per month, each withdrawal after will incur a fee. InfinitGain WebTrader gives you real time data, interactive charts, fast execution time and an advanced. The cash flow of a company must, however, be analysed along with the company's income statement as well as a balance sheet to determine its actual liquidity position. Announce punitive measures against a client's account Ask an applicant for credit to submit more information Cancel or withdraw a customer's credit account Inform a customer of an incorrect payment amount and ask for the balance San jose earthquakes coach a customer of an overpayment Investigate an applicant's credit reference Notify a creditor that you have stopped payment on a check Notify a debtor of a. A correctly set up QuickBooks file assumes the following: You are not converting the data from Quicken, Peachtree, Microsoft Small Business Accounting or Office Accounting. We offer attractive and competitive commission rate. A sale increases an asset or decreases a liability, and an expense decreases an asset or increases a liability. A negative employee or co-worker can infect a workgroup or a team with negativity faster than you can imagine. The Opening Balance Equity account should have a zero balance once a file is set up correctly. Small studies evaluating water-based exercise, a walking programme, tailored exercises and T'ai Chi involving OA sufferers have reported improvements strength, balance and falls efficacy. Many suggestions appear in management books and websites to help deal with an employee's negative attitude. 74% (variable) APR. Currency and CFD trading in South Africa should safe, secure and an enjoyable experience. Effects of tai chi exercise on pain, balance, muscle strength, and perceived difficulties in physical. 2 Women have a greater prevalence (42. This program allows users to create groups that show all records of debts between the group members. 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MetaTrader 4 is the best forex trading platform that offers the leading trading and analytical technologies, as well as additional services. Therefore, you could get several NSF fees for small items if you also had one large check clearing your account on the day it went into the negative. Balance wall colors. To recap, the early symptoms of OA can include: Dull, achy joint pain that gets worse during or after activity, and typically affects a joint on just one side of the body. Debit balance and credit balance are terms often used in the accounting world hence it is important to understand the distinction and their exact meaning. The cash flow of a company must, however, be analysed along with the company's income statement as well as a balance sheet to determine citi simplicity online bill pay actual liquidity position. The most common symptoms are joint pain and stiffness. Usually the symptoms progress slowly over years. As a pioneer in healthcare, we have been committed to improving lives since the company was founded in 1896 in Basel, Switzerland. The highest stage, Stage 4, is assigned to severe OA. • Supplemental Insurance. 3V - 12V @ 0-3. Paying Extended Overdraft Fees Many banks charge so-called "extended overdraft fees" if your account balance remains in the negative for more than a week. Luck Balance - Hacker Rank Solution. Each type of debt has a specific time period in which a lawsuit can be filed against someone who owes a debt, so that the one who is owed can obtain a judgment. Recently I have taken OA2 and I got borrower lender problem to find smallest negative balance. Knee OA affects most adults aged 65 or older, with a prevalence in the US of 33. OA that has become this advanced is likely to. Intelli-Balance 100 solves this by supplying air to replace exhausted air, helping to balance air pressure within the home. Interest rate for purchases†. C--> -$7(Borrowed from B) + $5(Lend to A) So C's Total Balance = -$2. Wait 30-60 days for the creditor to report the closed account and the credit reporting companies to update records. Initially they may occur only after exercise but can become constant over time. Tier 6 - $250,000 and greater. Understanding Audio. Statements are provided monthly and may be combined with other deposit accounts. Stage 0 is assigned to a normal, healthy knee. Tier 3 - $10,000 to $49,999. Thus, when closing the books at the end of an accounting period, the investigation of negative account. OctaFX - one of the best Forex brokers on the market, for traders all round the world. It’s everything your favourite trading platform was—only faster, simpler, and more efficient. Part of our private one-on-one, no-judgment counseling involves helping you determine which solutions are the best for your situation. Not only can these transactions send your balance into the red, but the overdraft or non-sufficient funds (NSF) fees can make the problem even worse. Usually, it either means that the debits and credits were accidentally reversed, or that the wrong account was used as part of a journal entry. Tier 3 - $10,000 to $49,999. OctaFX - one of the best Forex brokers on the market, for traders all round the world. Why Choose Applied Bank for Your Assets. As a pioneer in healthcare, we have been committed to improving lives since the company was founded in 1896 in Basel, Switzerland. From shop assistants in your local stores to national organizations and non-profits, BlackRock has helped people take control of their financial security for over three decades. Patients with OA might have pain and limited function and not capable to perform exercise. Currency and CFD trading in South Africa should safe, secure and an enjoyable experience. Individualization of exercise based on patient’s condition and preference is therefore needed. BlackRock offers a range of solutions for institutions, financial professional and individuals across the U. As well as access to the Forex market, OctaFX offers a variety citi simplicity online bill pay promotions that can help you: START TRADING. a negative voltage applied to anode and positive voltage to cathode. FSNB offers a wide range of opportunities for new jobs and advancement. SBA loan submission requirements include: Borrower information, with a list of owners, percentage of ownership, criminal background and other personal information. Initially they may occur only after exercise but can become constant over time. About BlackRock. Tier 5 - $100,000 to $249,999. Mobile Deposit. The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. August 18, 2020 10:25 PM. C--> -$7 (Borrowed from B) + $5 (Lend to A) So C's Total Balance = -$2. Applied Bank is the highest rated Delaware State chartered bank and one of the highest rated banks in the country. Why this is one of the best balance transfer credit cards: The Citi Simplicity Card has a 0% introductory APR for 21 months on balance transfers completed within four months of opening your account. Given the group debt records (including the borrower name, lender name, and debt amount), who in the group has the smallest negative balance?. 75 for senior citizen) Issue of duplicate/adhoc statements: Soft Copy. You won't pay any monthly service fees, regardless of how you use your account. Minimum amount to open account is $100. When an accountant records a sale or expense entry using double-entry accounting, he or she sees the interconnections between the income statement and balance sheet. Limitations in physical function are associated with participation restrictions in people with knee osteoarthritis (OA) (), and they predicted mortality independent of traditional risk factors (). For example, and:. A balance functions by measuring the force of gravity that the earth exerts on an. Minimum $10,000 deposit required to open account. Learn more. 13 Strenuous physical. A negative balance is an indicator that an incorrect accounting transaction may have been entered into an account, and should be investigated. Lorem Ipsum is simply dummy text of the printing and typesetting industry. fincare bank account opening online Licenses

Citi ThankYou® Points: What Are They Worth?

Citi is an advertising partner.

The Citi ThankYou® program might not get as much attention as its Amex and Chase counterparts, but if you know how to milk it, this rewards program can be just as lucrative. Between generous credit card sign-up bonuses and a lengthy list of transfer partners that covers all three airline alliances, earning and using Citi ThankYou points has never been easier.

What is Citi ThankYou?

Citi ThankYou is a points-based credit card and banking rewards program associated with Citi. Citi ThankYou points are earned through spending on select Citi credit cards and qualifying Citi checking account activity, and they can be redeemed for various shopping and travel rewards.

How much are Citi ThankYou points worth?

On average, Citi ThankYou points are worth about 0.8 cents each, but it's not hard to get 1 cent per point by redeeming them for gift cards or flights. The easiest redemption options, cash back and citi simplicity online bill pay credits, will only get you 0.5 cents per point, which drags down the average value of Citi ThankYou points.

Citi ThankYou points value

Cash Back$50 Cash Back: 10,000 points0.5 cents
Gift Cards$25 Best Buy Gift Card: 2,500 points1 cent
Redeem For Flights$450 fare: 45,000 points1 cent
Mortgage/Student Loan Payment$25 payment: 2,500 points1 cent
Charity Donation$25 donation: 2,500 points1 cent
Shopping$829 Apple iPad Mini: 100,000 points0.83 cents
Statement Credit$10 Statement Credit: 1,000-2,000 points (depending on the card)0.5-1 cent
Amazon$80 purchase: 10,000 points0.8 cents

Pros and cons of the Citi ThankYou program

Like all rewards programs, the Citi ThankYou program has both its strengths and weaknesses. Weighing the pros and cons will help you decide whether this is the right program for you.

Pros

You can earn ThankYou points through banking in addition to credit card spending, making this a good program if you're not a big credit card user. Gift card redemptions offer a high value of 1 cent per point, which provides extra flexibility if you don't want to redeem points for travel. ThankYou points can be transferred to over a dozen Citi transfer partners, which mostly consist of airline loyalty programs, as long as you have an eligible credit card.

Cons

ThankYou points offer a lower average value than comparable rewards programs like Chase Ultimate Rewards and American Express Membership Rewards. Citi's transfer partners don't include any major U.S. airlines. (They do, however, cover all of the major airline alliances). Low value for cashback redemptions compared with competitors, Chase Ultimate Rewards and American Express Membership rewards.

How to earn Citi ThankYou points

You can accumulate Citi ThankYou points with an eligible Citi checking account and/or several different Citi credit cards.

Earning Citi ThankYou points with your checking account

To earn ThankYou points with your banking activity, you'll need to have or open an eligible checking account with Citi. It's worth noting that only some of Citi's bank account packages earn ThankYou points, and they often come with bigger monthly service fees that can only be waived if you maintain a certain bank account balance.

You'll also need to have at least one qualifying direct deposit and one qualifying bill payment on each monthly statement, and there are maximums to how many points you can earn through banking. You'll earn ThankYou points a lot faster with a credit card, but banking can be a good way to supplement your credit card rewards if you already bank with Citi anyway.

Earning Citi ThankYou points with a credit card

Citi offers three main credit cards that earn ThankYou points: a no-annual-fee card, a middle-of-the-road card and a premium card. Two of these cards — the Citi Premier® Card and the Citi Prestige® Credit Card — allow you to transfer your points to any of Citi's airline partners, which significantly increases the value of your ThankYou points.

Citi Rewards+® CardEarn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.comEarn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.No$0
Citi Premier® CardEarn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account openingEarn 3X points per $1 spent at restaurants, supermarkets, gas stations, air travel and hotels and 1X per $1 spent on all other purchasesYes$95
Citi Prestige® Credit CardEarn 50,000 bonus points after spending $4,000 within three months of account opening.Earn 5x points at restaurants and for air travel purchases, 3x for hotel and cruise purchases, and 1x for all other purchasesYes$495

The sign-up bonuses on these credit cards are one of the best ways to accumulate lots of Citi ThankYou points in a short period of time. For lasting value, though, you'll want to pay attention to the earning rate and pick a card that offers bonus points on categories where you spend the most. You'll also want to make sure that your annual earnings outweigh the annual fee.

You're not eligible for these sign-up bonuses if you've previously earned a sign-up bonus on one of these cards, or on the Citi ThankYou® Preferred Card in the past 24 months.

Tip

The cash back earnings from the Citi® Double Cash Card – 18 month BT offer, one of the most popular cashback credit cards thanks to its rewards rate (Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.), can be converted to ThankYou points at a rate of 100 points per $1. If you have a Citi card that allows you to transfer your ThankYou points to Citi's airline partners, this could help you earn more value than the card's already lucrative rewards rate.

Best ways to use Citi ThankYou points

Citi ThankYou points offer a lot of flexibility in how they can be used, but some redemption options offer a lot more value than others. Here are the most lucrative ways to use your Citi ThankYou points.

Citi ThankYou Travel

You can redeem your ThankYou points through the ThankYou travel center for flights, hotel stays, cruises and rental cars. The value you'll get from these travel redemptions varies, although you'll get 1 cent per point when you redeem for flights. Typically, you can get my liberty email login value by transferring your ThankYou points to one of Citi's transfer partners.

Transfer Citi Thankyou points

As long as you have the Citi Premier® Card or the Citi Prestige® Credit Card, you can transfer your ThankYou points to more than a dozen airline loyalty programs at a 1:1 rate. You do have to transfer your points in 1,000-point increments.

While most of Citi's transfer partners are airlines based outside of the U.S., many are part of an airline alliance, which means you get access to a large network of airlines when redeeming those miles. In fact, between all of Citi's transfer partners, you have access to all three of the major airline alliances. In many cases, these airline miles are worth well over 1 cent each, so points transfer tends to be the most lucrative redemption option.

Citi ThankYou transfer partners

AeroMexicoSkyTeam1,000:1,000
Cathay PacificOneworld1,000:1,000
AviancaStar Alliance1,000:1,000
Emirates--1,000:1,000
Etihad--1,000:1,000
Eva AirStar Alliance1,000:1,000
Air France/KLMSkyTeam1,000:1,000
JetBlue--1,000:1,000
JetPrivilege--1,000:1,000
Malaysia AirlinesOneworld1,000:1,000
QantasOneworld1,000:1,000
Qatar AirwaysOneworld1,000:1,000

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Gift cards

You can also redeem your ThankYou points for gift cards from tons of major brands. These include chain restaurants like Olive Garden and Starbucks; clothing and department stores like Macy's, Kohl's and Saks Fifth Avenue; and entertainment and travel companies like Royal Caribbean and iTunes. While this won't yield as much value as transferring your points, you'll get around 1 cent per point, which is better than what most credit card programs offer for gift card redemptions. It's not a bad option if you can't find a way to redeem your points for air travel.

Other redemption options

Citi offers a slew of other ways to redeem your ThankYou points, including online shopping with Citi's partners, statement, paying bills with points and cash back. These redemption options might be tempting thanks to the high level of flexibility they offer, but unfortunately, they're generally a bad value. You'll only get 0.5 to 0.83 cents per point when you redeem your ThankYou points with these methods, versus the 1+ cent per point you can get by transferring points or redeeming them for gift cards or travel.

How do you cash out Citi ThankYou points?

You can cash out your Citi ThankYou points by redeeming them for statement credits, cash rewards, online bill payments or payments toward your student loans or mortgage. You might not get as much value from these redemptions.

Citi redemption options
Citi redemption options

Screenshots of Redemption Options from Citi's ThankYou.com

Citi redemption options

Screenshot of Student Loan Screen from Citi's ThankYou.com

Citi redemption options

Screenshot of Mortgage Screen from Citi's ThankYou.com

Is Citi ThankYou worth it?

Overall, the Citi ThankYou program offers excellent value to people who prefer to redeem their rewards for air travel. The average value offered by Citi ThankYou points is a little lower than what you'll get from Chase Ultimate Rewards points, but it's on par with Amex Membership Rewards points and Capital One Venture miles.

What really sets the Citi ThankYou program apart from other big rewards programs are its transfer partners. Not only does it boast a longer list of transfer partners than both Chase and Capital Citi simplicity online bill pay, but Citi's transfer partners also include all three of the major airline alliances, giving you ample redemption options when it comes to flying. If you decide you don't want to redeem your points for travel, Citi ThankYou also offers a higher value on gift card redemptions than the other reward programs.

How do I redeem my Citi ThankYou points?

You can redeem your Citi ThankYou points by logging on to your Citi ThankYou account. From there, you can navigate to the redemption option of your choice to spend your points.

What are Citi ThankYou points good for?

Citi ThankYou points can be used to book travel through the Citi ThankYou center, transferred to one of Citi's airline partners or exchanged for gift cards, statement credits, online shopping, bill payments or cash back. Transferring your ThankYou points will often get you the best value, followed by travel and gift card redemptions.

Can you transfer Citi ThankYou points?

You can transfer Citi ThankYou points to over a dozen airline loyalty programs at a 1:1 rate. Transfers must be made in 1,000-point increments, and once completed, they can't be reversed. Make sure you have a trip in mind before transferring your ThankYou points to one of Citi's transfer partners.

Can you transfer Citi ThankYou points to another person?

You can transfer or share your Citi ThankYou points with another person as long as they're also a member of the Citi ThankYou program. However, shared points are only valid for 90 days from the day they're received, so make sure the other person plans to use them soon.

Is the Citi Premier® Card a Mastercard or Visa?

The Citi Premier® Card is a Mastercard.

When do Citi ThankYou points expire?

While the ThankYou points you earn with your credit card won't expire as long as the account remains open and in good standing, points earned through other avenues can expire. You can check the expiration status of your ThankYou points by logging in to your account and going to the ThankYou Points Summary section. Shared ThankYou points expire 90 days from the date they're received, while points issued by ThankYou Rewards expire three years from the end of the year in which you received them.

How do you link your Citi ThankYou account to Amazon?

First, you'll need to add your eligible Citi credit card as a form of payment on your Amazon account. Use it to make a purchase on Amazon, and you'll automatically be enrolled in the "Shop with points" program, which will give you the option to pay for Amazon purchases with your ThankYou points upon checkout.

How many Citi ThankYou points do you need for a free flight?

The number of Citi ThankYou points you need for a free flight depends on the dollar price of that flight, as your points are worth 1 cent each when redeemed for flights through the ThankYou center. This means that you'd need 40,000 ThankYou points to purchase a $400 flight through this portal. Alternatively, you can transfer your ThankYou points to one of Citi's airline cut loose solana beach ca partners. The number of Citi ThankYou points you need in that case will depend on the airline partner and how many miles you need with that partner to purchase the flight you want.

The information related to the Citi Prestige® Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

Источник: https://www.valuepenguin.com/travel/citi-thankyou-points
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Only mortgage activity by Credit Karma Mortgage, Inc., dba Credit Karma is licensed by the State of New York. Credit Karma, LLC. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services.

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Best credit cards for extended warranties

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Editor’s note: This is a recurring post, regularly updated with new information. 

When you make a purchase, it’s helpful to have the peace of mind of warranty protection from the manufacturer — especially if it’s an expensive item. But if your item breaks or is damaged after the warranty has ended, you may think you’re out of luck. The state bank of cross plains oregon news is if you put your purchase on a credit card with extended warranty protection, you may still be able to receive reimbursement for repair or replacement costs, or even have the original purchase cost reimbursed. That’s something to remember now, in particular, as we head into the holiday shopping frenzy.

This guide describes how to utilize the extended warranty benefit offered by select credit cards as well as lists some of the best cards that offer extended warranty protection. Consider using one of them for your holiday purchases to ensure that the recipient is protected against the unexpected and can use the gift you give them well into the future.

The best extended warranty cards of 2021

The information for the Amex Green, U.S. Bank Altitude Reserve, Citi AAdvantage Platinum Select and Hilton Aspire cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

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What is a credit card extended warranty?

The extended warranty protection offered by select credit cards effectively citi simplicity online bill pay the manufacturer’s warranty on eligible products purchased with the card. This protection mirrors the protection provided by the original manufacturer’s warranty, so damage that would have been covered by the original warranty will be covered by the extended warranty.

Credit card extended warranty coverage varies. Some match the original warranty up to a particular period of time. Others add a set amount of time to the end of the original warranty. However, there are usually exclusions and maximum coverage limits. Note that extended warranty protection covers a wide variety of items, whereas the cellphone protection offered by select credit cards only covers cellphones.

Related: Filing an extended warranty claim — reader success story

Comparing the best credit cards for extended warranties

Issuer, bank or networkExtension periodMaximum coverageMaximum length of initial warranty
Citi2 years$10,000 per item5 years
American Express1 year$10,000 per item, $50,000 per account per year5 years
Chase1 year$10,000 per claim, $50,000 per account3 years
Visa SignatureMatch up to 1 year$10,000 per claim, $50,000 per cardholder3 years
Visa Infinite1 year$10,000 per claim, $50,000 per cardholder3 years
USAAMatch up to 1 year$15,000 per claim, $50,000 per account3 years

It’s important to note that only certain cards offered by these issuers or banks offer extended warranty protection.

The following sections describe some of the best consumer cards from these issuers that offer extended warranty protection.

Other cards not mentioned here also offer extended warranty protection, so you don’t assume that a card doesn’t offer this benefit simply because it is not listed in this guide. Check your card’s guide to benefits for details.

Related: The ultimate best food areas in nyc to credit card application restrictions

Comparing the best Citi credit cards for extended warranties

CardSign-up bonusEarning ratesAnnual fee
Citi Premier® Card80,000 bonus points after you www turbotax com full site $4,000 on purchases within the first three months of account opening.3x ThankYou points on air travel, hotels, gas stations, restaurants and supermarkets; 1x on all other purchases$95
Citi / AAdvantage Platinum Select World Elite Mastercard50,000 miles after you spend $2,500 on purchases within three months of account opening2x on eligible American Airlines purchases, restaurants and gas stations; 1x on all other purchases$99 (waived for the first year)
American Airlines AAdvantage MileUp Card10,000 miles and a $50 statement credit after you spend $500 pod save america listen purchases within three months of account opening2x on grocery stores and eligible American Airlines purchases; 1x on all other purchasesNone
AT&T Access Card from Citi10,000 points after you spend $1,000 on purchases within three months of account opening2x on eligible retail and travel websites; 2x on products and services purchased directly from AT&T; 1x on all other purchasesNone

The information for the Citi AAdvantage Platinum Select and the AT&T Access cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Back in 2019, Citi removed many benefits from its cards to the dismay of many. However, the Citi cards described in the above table still offer an extended warranty benefit. This benefit extends the manufacturer’s warranty by two years, with total coverage not exceeding seven years from the purchase date.

Citi doesn’t have a minimum manufacturer’s warranty required for coverage, so a one-month manufacturer’s warranty would still be extended by two years on covered items. If you purchase an extended warranty, Citi’s coverage begins at the expiration of that warranty. To be eligible for coverage, you must have paid for either all or part of the item with your Citi card and/or ThankYou points.

Citi’s extended warranty coverage doesn’t apply to:

  • Boats, cars, aircraft or any other motorized land, air or water vehicles and their original equipment (tires aren’t covered, either).
  • Services, unless covered under the manufacturer’s warranty.
  • Used, antique or pre-owned items.
  • Items purchased for resale, professional or commercial use.
  • Land or buildings; housing properties.
  • Plants and live animals.
  • Items that don’t come with a manufacturer’s warranty.

Additionally, Citi’s extended warranty coverage doesn’t apply when:

  • You fail to care for or service the item appropriately as required by the manufacturer.
  • The item has a product defect, recall or experiences normal wear and tear where no failure has occurred.
  • The item is damaged because of an act of God, such as a flood, hurricane, lightning, wind or earthquake.

Related: The best Citi credit cards

Comparing the best American Express cards for extended warranties

CardWelcome bonusEarning ratesAnnual fee
American Express Green Card30,000 points after you spend $2,000 on purchases in your first three months. Terms apply.3x on travel, transit and restaurants; 1x on all other purchases$150 (see rates and fees)
The Platinum Card from American ExpressEarn 100,000 bonus points after you spend $6,000 on purchases on the card in the first six months of card membership.5x on flights booked directly with airlines or through Amex Travel (on up to $500,000 per calendar year) and prepaid hotels booked with American Express Travel. Plus, earn 10x points citi simplicity online bill pay eligible purchases on the card bk com lets play restaurants worldwide and when you “Shop Small” in the U.S., on up to $25,000 in combined purchases, during the first six months of card membership. 1x on other purchases$695 (see rates and fees)
American Express Gold Card60,000 points after you spend $4,000 on purchases in your first six months. Terms apply.4x at restaurants and U.S. supermarkets (on up citi simplicity online bill pay $25,000 per calendar year, then 1x); 3x on flights booked directly with airlines or through amextravel.com; 1x on other purchases$250 (see rates and fees)
Hilton Honors American Express Aspire Card150,000 points after you spend $4,000 on purchases in your first three months. Terms apply.14x on eligible purchases at Hilton hotels and resorts; 7x on U.S. restaurants, car rentals booked directly with select companies and flights booked directly with airlines or through amextravel.com; 3x on all other purchases$450 (see rates and fees)
Marriott Bonvoy Brilliant American Express CardEarn 75,000 bonus points after you spend $3,000 in purchases within the first three months of card membership. Plus, earn up to $200 in statement credits for eligible purchases made on your new card at U.S. restaurants within the first six months of card membership.6x at hotels participating in the Marriott Bonvoy program; 3x on U.S. restaurants and flights booked directly with airlines; 2x on other eligible purchases$450 (see rates and fees)
Delta SkyMiles Platinum American Express CardEarn 50,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 on purchases on your new card in the first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants in the first three months of card membership.3x on eligible Delta purchases and hotels booked directly; 2x at restaurants and U.S. supermarkets; 1x on all other eligible purchases$250 (see rates and fees)
Blue Cash Preferred Card from American ExpressEarn a $300 statement credit after you spend $3,000 on purchases on your new card within the first six months.6% at U.S. supermarkets (on up to $6,000 per calendar year, then 1%) and select U.S. streaming subscriptions; 3% on transit and U.S. gas stations; 1% back on all other eligible purchases$0 intro annual fee for the first year, then $95  (see rates and fees)

The information for the Amex Green and Hilton Aspire Amex cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The Amex benefit provides up to $10,000 per covered purchase and up to $50,000 in a calendar year per eligible card. Currently, most Amex cards will match manufacturer’s warranties of one year or less and extend manufacturer’s warranties of two to five years by one year. However, select no-annual-fee cards no longer offer any extended warranty coverage as of Jan. 1, 2020. You can see the current guide to benefits for each American Express card that offers extended warranty protection citi simplicity online bill pay American Express’ website.

An item is eligible for coverage if it was paid for with an eligible card or purchased through the redemption of Membership Rewards points and/or Pay with Points.

The following items aren’t covered:

  • Items covered by an unconditional satisfaction guarantee.
  • Items damaged through alteration or modification of any kind.
  • Animals or living plants.
  • One-of-a-kind items including antiques, artwork and furs or previously owned and used items (except when refurbished by the original manufacturer).
  • Purchases that have a limited lifespan like food, perfume, light bulbs, batteries, etc.
  • Credit cards, securities, documents and tickets, traveler’s checks and other negotiable instruments including gift certificates, gift cards, gift checks, food stamps, cash or its equivalent, notes, accounts, bills, currency, deeds, evidence of debt or intangible property and rare stamps or coins.
  • Items that are rented, leased or borrowed.
  • Motorized devices or motorized device parts, except for motorized devices and motorized device parts that are permanent residential or business fixtures that can be removed without damaging the structure.
  • Permanent residential or business fixtures, additions or built-ins that can’t be removed without damaging the structure.
  • Land or buildings.
  • More than one article in a pair or set. Coverage will be limited to no more than the value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection.
  • Downloadable services, application programs, computer programs, operating software, firmware and other software of any kind.
  • Items voluntarily or involuntarily discarded.
  • Indirect or direct damages to any other item or property resulting from a covered event.
  • Items purchased for use as resale (i.e., goods purchased as inventory for sale).
  • Items purchased for professional or commercial use, including education, training or skills, or to be used in professional competition.

No coverage is provided for:

  • Charges for shipping, handling, installation, assembly, professional advice, maintenance or other service fees, warranties or memberships, including costs or fees in addition to the replacement cost.
  • Rebates, discounts or money from lowest-price programs.
  • Any legal defense costs or expenses.
  • Any request to return a covered purchase by a retailer, wholesaler or manufacturer, including product recall.
  • Additional service contract, extended warranty coverage or purchased service contract for a computer, computer component or part that is bought which already comes with an original manufacturer’s warranty and/or retailer’s warranty, unless such coverage is provided and administered by the original manufacturer.
  • Repairs not completed at an authorized repair facility or another repair facility acceptable under the original manufacturer’s warranty or using aftermarket parts not approved by the original manufacturer’s warranty.
  • Physical damage, including damage as a direct result of natural disaster or a power surge, except to the extent the original manufacturer’s warranty covers such physical damage.
  • Eligible beneficiary’s participation in a felony, riot, civil disturbance, protest or insurrection.
  • Items for which the combination of the original manufacturer’s warranty coverage and/or purchase service contract exceeds five years.

Related: Choosing the best American Express card for you

Comparing the best Chase credit cards for extended warranties

CardSign-up bonusEarning ratesAnnual fee
Chase Sapphire Preferred Card60,000 points after you spend $4,000 on purchases in your first three months5x total points on all travel purchased through Chase Ultimate Rewards, excluding hotel purchases that qualify for the $50 anniversary credit

3x points on dining, including eligible delivery services, takeout and dining out

3x points on select streaming services

3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs)

2x points on all other travel

1x point on all other purchases

$95
Chase Sapphire Reserve50,000 bonus points after you spend $4,000 on purchases in the first three months.10x on hotels and car rentals purchased through Chase Ultimate Rewards (excluding the $300 annual travel credit)

5x on flights purchased through Chase Ultimate Rewards (excluding the $300 annual travel credit)

3x on travel and dining

10x on Lyft rides through March 2022

1x on other purchases

$550
Chase Freedom Unlimited$200 after you spend $500 on purchases in your first three months5% on travel booked through Chase

3% on dining and drugstores

1.5% on other purchases

None
Chase Freedom Flex$200 after you spend $500 on purchases in your first three months5% on select categories that rotate quarterly (activation required) and travel booked through Chase Ultimate Rewards

3% on dining and drugstores

1% on other purchases

None
Southwest Rapid Rewards Plus Credit CardEarn up to 100,000 bonus points. Earn 50,000 bonus points after spending $2,000 on purchases in the first three months your account is open, plus 50,000 more bonus points after spending $12,000 total on purchases in the first 12 months.2 points per dollar spent on Southwest purchases

2 points on local transit and commuting (including ride-hailing services)

2 points on internet, cable, phone services and select streaming

1 point per dollar on everything else

$69
United Explorer CardEarn 60,000 bonus miles after you spend $3,000 on purchases in the first three months of account opening.2x on United purchases, restaurants and hotel accommodations booked directly with hotels

1x on all other purchases

$95, waived the first year
British Airways Visa Signature Card100,000 Avios after you spend $5,000 on purchases in your first 3 months.5x on purchases with British Airways, Aer Lingus, Iberia and Level in your first 12 months, then 3x

3x on hotel accommodations when purchased directly with the hotel in your first 12 months, then 2x

1x on all other purchases

$95
World of Hyatt Credit CardUp to 60,000 points:30,000 points after you spend $3,000 on purchases within your first three months. Plus, up to 30,000 more points by earning 2x on purchases that normally earn 1x, on up to $15,000 in your first six months.4x on Hyatt purchases

2x on local transit, commuting, dining and airline tickets purchased directly from airlines

2x on purchases that normally earn 1x, on up to $15,000 in the first 6 months of account opening

1x on all other purchases

$95

 

Most Chase cards, including but not limited to all of the cards listed above, will extend eligible U.S. manufacturer’s warranties of three years or less by one additional year. Purchases made using rewards points are also eligible for the extended warranty benefit. You’re covered up to $10,000 per claim and up to $50,000 per account.

Related: How I used Chase’s extended warranty benefit to get a new phone

The following items aren’t covered:

  • Boats, automobiles, aircraft and any other motorized vehicles and their motors, equipment or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle.
  • Any costs other than those specifically covered under the terms of the original manufacturer-written U.S. repair warranty, as supplied by the original manufacturer, or other eligible warranty.
  • Items purchased for resale, professional or commercial use.
  • Rented or leased items.
  • Computer software.
  • Medical equipment.
  • Used or pre-owned items (refurbished items will be covered as long as they have a warranty and would not be considered used or pre-owned).

Related: The best Chase credit cards of 2021

Other cards with extended warranty benefits

Woman in cafe shopping online with laptopPhoto by filadendron/Getty Images

Visa Signature and Visa Infinite cards — such as the new Capital One Venture X Rewards Credit Card, the Capital One Venture Rewards Credit Card and the U.S. Bank Altitude Reserve Visa Infinite Card — offer extended warranty protection. Both card types will extend warranties of three years or less and will cover up to $10,000 per claim and up to $50,000 per cardholder. Visa Signature cards will match warranties of less than one year and extend warranties of one to three years by one year, while Visa Infinite cards will extend warranties of up to three years by one year. Benefits only available to accounts approved for a Visa Signature or Visa Infinite card. Terms apply.

Related: The best Visa credit cards

USAA credit cards also offer extended warranty protection that will match warranties of less than one year and extend warranties of one to three years by one additional year. You can be covered up to $15,000 per claim and up to $50,000 per account.

How to utilize credit card extended warranties

There are a few items you should save after buying something that has a manufacturer’s warranty if you’ve used a credit card that features an extended warranty benefit:

  • Original store receipt.
  • Credit card statement for the month showing the charge.
  • Manufacturer’s warranty booklet or document.

If something you own breaks and has a manufacturer’s warranty:

  1. Check the manufacturer’s warranty. If the item is still covered, begin a claim with the manufacturer.
  2. If it’s outside the manufacturer’s warranty, check the benefits guide for the credit card that you used to make the purchase.
  3. Call a benefits administrator if you need to citi simplicity online bill pay a claim or have questions regarding the claim process or eligibility. Call before getting the item repaired in case you are required to send it to a particular repair facility.
  4. Collect documentation — which may consist of a repair quote, photos of the damaged item, the original receipt and the credit card statement showing the charge — and submit the claim.

If approved, you’ll usually receive a check or statement credit reimbursing you for repair costs, replacement costs or the original purchase cost. In some cases, the benefits administrator may ask you to send back the item for inspection or repair.

What isn’t covered by credit card extended warranty protection

LONDON, ENGLAND - JANUARY 05: A man holds a Wempe aviator watch from 1943 (£5200) at the Mayfair Antiques and Fine Art Fair on January 5, 2017 in London, England. Running from January 5 to Sunday 8, the fair sees over forty exhibitors with pieces ranging from 1300BC to the present day available for sale. (Photo by Leon Neal/Getty Images)

The extended warranty benefit offered by select credit cards doesn’t cover all purchases or all types of damage. Your purchase won’t be covered if an eligible manufacturer’s warranty didn’t originally cover it. Additionally, most extended warranty benefits have maximum coverage lengths and coverage limits per item, claim or account.

Most extended warranty benefits have set exclusions. Some types of items are commonly excluded, like cars, boats, software, plants, animals, antiques and products normally hard-wired into a house. Likewise, some types of damage like power surges, accidental damage, catastrophes, wear and tear and riots are usually excluded. You can find all of the exclusions in your card’s guide to benefits.

Related guides

Additional reporting by Madison Blancaflor and Senitra Horbrook.

For rates and fees of the Amex Green Card, click here.
For rates and fees of the Amex Platinum Card, click here.  
For rates and fees of the Amex Gold Card click here.  
For rates and fees of the Hilton Aspire, click here.  
For rates and fees of the Marriott Bonvoy Brilliant card, click here.   
For rates and fees of the Delta SkyMiles Platinum Amex, click here.  
For rates and fees of the Blue Cash Preferred, click here.  

Featured photo by Matthew Kane via Unsplash.

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Katie Genter is a location independent digital nomad who has traveled full-time since June 2017. Her focus at TPG is points, miles, loyalty and credit cards.
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