Credit Card Purchase Protection & Extended Warranty in Canada (2026)

Rows are generated from card data. A card appears only if we stored at least one verified term (days, warranty extension, per-occurrence max, or aggregate max) from the issuer page or certificate. Presence without those terms is omitted rather than guessed.

Ranked by published score. See How we rank.

17 cards list 90 days of purchase protection. The National Bank Platinum Mastercard lists 180 days (theft in Canada and breakage, per the National Bank Platinum certificate). Coverage is typically excess of other insurance: home or tenant insurance pays first.

18 cards list a warranty extension of up to 1 extra year (often described as doubling the manufacturer’s warranty, capped at one additional year). National Bank Platinum lists tripling the manufacturer’s warranty, up to 2 additional years. Certificates commonly require the original warranty to be valid in Canada.

4 Amex cards in the table list $1,000 per occurrence for purchase protection. 10 cards list a $60,000 lifetime aggregate for purchase protection and extended warranty combined. The RBC Cash Back Mastercard certificate lists $50,000 per account per calendar year, not a lifetime cap.

We do not invent per-item deductibles, excluded goods (jewellery, vehicles, used items), or claim deadlines. Read the certificate linked from the issuer page before you rely on a claim.

Black Friday 2026 is 27 November 2026. Cyber Monday is 30 November 2026. Canadian credit-card purchase protection and extended warranty do not have a separate “sale” schedule in the certificates we used. Eligible new items charged to the card are covered on the same terms as a purchase on any other day.

Keep the receipt and the card statement. Coverage is usually automatic without registration, except some certificates require registration when the manufacturer’s warranty is longer than five years.

Used, refurbished, or marketplace-as-is items are commonly excluded. We do not claim a door-crasher TV is covered if the certificate excludes it.

If two cards in the table both cover the purchase, the longer listed protection window still only applies to the card that paid. Charge the item to one card that lists the terms you need.

8 cards list purchase protection or extended warranty as included but do not have stored days, extension, or max (RBC Avion Visa Infinite, RBC Visa Classic Low Rate Option, TD Cash Back Visa Infinite, Scotia Momentum Visa Infinite Card, CIBC Aventura Visa Infinite, PC World Elite Mastercard, CIBC Costco Business Mastercard, and CIBC Costco Mastercard). They are left out of the table rather than filled in from a different card’s certificate.

Amex Aeroplan Reserve and Marriott Bonvoy list generic travel or shopping coverage without purchase-protection days or warranty length in our data, so they are omitted too.

No annual fee is not the same as purchase protection. Some no-fee cards in our data list these coverages (for example Tangerine Money-Back and Simplii Cash Back Visa) and some do not.

A 0% FX travel card can still list purchase security — the Scotiabank Passport Visa Infinite+ Card lists 90 days and up to 1 extra warranty year, with a $60,000 lifetime max.

Run spend on the calculator if you are choosing a card for rewards. Insurance here is presence and listed terms only. How we rank does not assign dollar values to insurance.