When deciding whether an extended warranty is worth it, don’t forget about the extra protection you may already have. Charge cards and credit cards like American Express and the premium versions of Visa and MasterCard offer customers an extra year of warranty protection as a benefit of paying with plastic. In addition, some cards offer extra benefits. For example, MasterCard will reimburse you up to $1,000 for loss of or damage to items within 90 days of purchase. Call your card issuer to confirm details of your coverage. Make sure to keep your credit-card receipts and the original invoices to ensure that you can process your claim.