Visa consumer card benefits

Please note: This benefit is available on all Visa cards.

Product and service information at your fingertips

Cardholder Inquiry Service provides customer phone support for general inquiries and provides product or service information to all Visa cardholders.

Benefit at a glance

24-hour cardholder information and assistance by phone to all Visa cardholders calling from anywhere in the world, provided by Visa Global Customer Care Services. Toll-free numbers are supported 24 hours a day, seven days a week.

• Quick and accurate account and card benefit information.
• Product and service information at your fingertips.
• Customer service available in all major languages.

How it works

Cardholder Inquiry Service provides customer phone support for general inquiries and provides product/service information for Visa cardholders. Visa Global Customer Care Services team provides information regarding general account or card benefit questions. 

Please note: This benefit is available on all Visa cards.

Assistance is a phone call away

Enjoy peace of mind knowing that if your Visa card is ever lost or stolen, assistance is only a phone call away.

Benefit at a glance

• Call Visa Global Customer Care Services at 1-800-847-2911 (within the U.S. or Canada) if your card has been lost or stolen.
• For the hearing impaired, please call 1-800-TDD-1213 in the US or Canada or 1-305-278-4285 or 1-512-865-2002 in all other countries.
• Toll-free numbers are supported 24 hours a day, seven days a week.
• Peace of mind from Visa Global Customer Care Services.

Benefit details

With the Visa Lost/Stolen Card Reporting service, reporting a lost or stolen card is simple. Just call Visa Global Customer Care Services at 1-800-847-2911, or call one of our global toll-free numbers and a Visa representative will work with you to notify the appropriate parties and replace your card.

Have a lost, stolen or damaged card? Need emergency cash?

Visa credit cardholders can get an emergency cash advance or a card replacement within one business day—or even within 24 hours in some cases—after approval. We’ll block your card (if the card number is known) and connect you to your Financial Institution/Bank. Visa can also work with your Bank to expedite the replacement of your card and ship it globally within 24 to 72 hours. Alternatively in case of emergency, we can also arrange a wire cash transfer to your local Western Union within 2 hours of approval from your Bank. 

Effective 4/1/14.

Please note: This benefit is available on all Visa Standard Credit, Visa Rewards Credit, and Visa Premium Rewards cards.

Protect against collision and theft

Visa Standard Credit, Visa Rewards Credit, and Visa Premium Rewards cardholders receive Auto Rental Collision Damage Waiver coverage for damage due to collision or theft.

Benefit at a glance

• Collision and theft coverage on auto rentals.
• To activate coverage, complete the entire rental transaction with your eligible Visa card and decline the collision damage waiver (CDW) coverage if offered by the rental company.
• If you have any questions regarding a specific vehicle, call the Benefit Administrator at 1-800-847-2911, or if outside the United States at one of our toll-free numbers.
• Quick, easy and accurate filing when you file claims online at the Card Benefit Services.

What is the Auto Rental Collision Damage Waiver (“Auto Rental CDW”) benefit?

The Auto Rental Collision Damage Waiver (“Auto Rental CDW”) benefit offers insurance coverage for automobile rentals made with your Visa card. The benefit provides reimbursement (subject to the terms and conditions in this guide) for damage due to collision or theft up to the actual cash value of most rental vehicles.

Who is eligible for this benefit?

You are eligible only if you are a valid cardholder whose name is embossed on an eligible Visa card issued in the United States. Only you as the primary renter of the vehicle and any additional drivers permitted by the auto rental agreement are covered.

What losses are covered?

The benefit provides reimbursement up to the actual cash value of the vehicle as it was originally manufactured. Most private passenger automobiles, minivans, and sport utility vehicles are eligible, but some restrictions may apply. Please contact the Benefit Administrator to inquire about a specific vehicle.

Covered losses include:

• Physical damage and/or theft of the covered rental vehicle
• Valid loss-of-use charges imposed and substantiated by the auto rental company
• Reasonable and customary towing charges, due to covered theft or damage, to the nearest qualified repair facility

Please Note: This benefit only covers vehicle rental periods that neither exceed nor are intended to exceed fifteen (15) consecutive days within your country of residence or thirty-one (31) consecutive days outside your country of residence.

Use your Visa card to make purchases anywhere and you’re protected from unauthorized use of your card or account information. With the Visa Zero Liability policy ¹, your liability for unauthorized transactions ² is $0—you pay nothing.

¹ Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions, or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

² Financial institutions may exclude from the Zero Liability policy a transaction made by a person authorized to transact business on the account and/or a transaction made by a cardholder that exceeds the authority given by the account owner.

Gain access to 24-hour, toll-free referral dispatch for emergency roadside assistance services like towing, fuel delivery, and more. Cardholders are responsible for service fees.

Benefit at a glance

• 1-800-847-2869 connects you to the Roadside Dispatch service.
• Applies to rental cars as well as your own motor vehicle.
  

Services included in a $59.95 per service call include:

• Towing¹ (up to five miles included).
• Tire changing (must have good, inflated spare).
• Jump-starting (battery boost).
• Lockout service (no key replacement).
• Fuel delivery (up to five gallons and the cost of fuel not included).
• Winching² (within 100 feet of paved or county maintained road only).

Benefit Details

How does the service work?

Call 1-800-847-2869 to be connected to the Roadside Dispatch service. Simply tell the Roadside Dispatch operator where you are, what the problem is and while you remain on the phone they will arrange a dispatch to a reliable tow operator or locksmith to provide help. The operator will let you know the name of the local tow operator or locksmith being sent to assist you.

Can my car be towed anywhere I want?

Yes. The vehicle will be towed to an authorized service/repair facility or other location specified by you. Program costs will vary based on the types of service required and the distance traveled. Special rates apply to tows within a 5-mile radius.

Is there a charge to my card to use the Roadside Dispatch service?

Yes. You are responsible for the cost of any actual services or goods provided. The service may save you money because the rates are pre-negotiated by Visa.

¹Any vehicle with wheels is covered under the program as long as it can be classified as ‘Light Duty’. ‘Light Duty’ vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs. are considered ‘Medium Duty’ or ‘Heavy Duty’ and are NOT covered under this program. Cardholders are required to pay the service provider for mileage over 5 miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee.

²Additional fees may apply for winching services under certain circumstances.

Note: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor the issuer shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other “off road” areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Other terms may apply. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, Visa does not provides any assurances as to the ability of the Service Provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival. Services provided by United States Auto Club, Motoring Division, Inc. Please note, effective 10/1/16 the roadside dispatch rate will increase to $69.95. Pricing is subject to change at any time. This program may be discontinued at any time without prior notice. Program void where prohibited.

Not all Visa cards offer this benefit. Availability is determined by your card issuer.

Effective 4/1/14.

Please note: It may be also available on other card products. Check with your Issuer to see if you have this benefit and to verify level of coverage.
 

When you pay for the entire cost of Common Carrier tickets with your eligible Visa card, You will be eligible to receive reimbursement for your checked luggage or carry-on baggage, and/or its contents provided the luggage was lost due to theft or misdirection by the Common Carrier.

The "value of the amount claimed" is the lesser of the actual purchase price of the item(s), the actual cash value of the item(s) at the time of theft or misdirection with appropriate deduction for depreciation,  and the cost to replace the item(s). The Eligible Person must take all reasonable means to protect, save, and/or recover any carry-on property at all times. This benefit is supplemental to and excess of any valid and collectible insurance and/or collectible reimbursement from another source.

Not all Visa Signature cards offer this benefit.  Availibility is determined by your card issuer.

Certain restrictions, limitations and exclusions apply and benefit configuration may vary. Contact your issuer for full terms and conditions.

Effective 4/1/11.

Protect and manage your purchases
Visa cardholders can register a product and extend a manufacturer’s warranty. One convenient service makes it quick and easy.

(This benefit may also be available on other card products. Check with your issuer to see if you qualify.)

Benefit at a glance

• Keep track of purchases.
• Register purchases and file claims online.
• Extend warranties.
• Call the Benefit Administrator at 1-800-882-8057 for general questions regarding this benefit.

How do I benefit from Warranty Manager Service?

Warranty Manager Service offers you a number of valuable features, including
warranty registration and Extended Warranty Protection, all available with a simple toll-free telephone call. And with Warranty Manager Service you have the option of purchasing additional coverage with Extended Service Agreements.

Warranty Manager Service’s registration service helps you take full advantage of your warranties, because you can get key information about your coverage with a single toll-free call. And if you send us your sales receipts and warranty information, we’ll keep everything on file—so arranging for a repair or replacement is as easy as picking up the telephone. Warranty Manager Service offers Extended Warranty Protection that doubles the time period of the original manufacturer’s written U.S. repair warranty up to one (1) additional year on eligible warranties of three (3) years or less when an item is purchased entirely with your eligible Visa card.

Why should I register my purchases?

To have peace of mind knowing all of your purchases are registered and on file with Visa. Although registration is not required for Extended Warranty Protection benefits, it is strongly encouraged that you send us your sales receipts and warranty information. With this valuable service, you won’t have to search for critical documentation
when you need it. Arranging for a repair or replacement is as easy as picking up the telephone. Call 1-800-882-8057 for information regarding the security of registering your purchases.

How do I register my purchases?

To register a purchase today, call 1-800-882-8057—or go to www.cardbenefitservices.com.

Who is eligible for this benefit?

To be eligible for this benefit you must be a valid cardholder of an eligible U.S.-issued Visa card.

What items are covered by Warranty Manager Service Extended Warranty Protection?

Warranty Manager Service Extended Warranty Protection doubles the period of repair service under the manufacturer’s written U.S. warranty up to a maximum of one (1) additional year on many items of personal property which have a valid original manufacturer’s written U.S. repair warranty of three (3) years or less and which you have purchased entirely on your eligible Visa card.

What items are not 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’s written U.S. repair warranty, as supplied by the original manufacturer, or other eligible warranty.
• Items purchased for resale, professional, or commercial use.
• Real estate and items which are intended to become part of real estate including, but not limited to, items that are hard-wired or hard-plumbed, garage doors, garage door openers, and ceiling fans.
• Rented or leased items, or items purchased on an installment plan and for which the entire purchase price was not paid in full at the time of the occurrence.
• Computer software.
• Medical equipment.
• Used or pre-owned items.

Are gifts covered?

Yes, as long as you purchased the gift entirely with your eligible Visa card and it meets the terms and conditions of the benefit.

Are purchases made outside the United States covered?

Yes, as long as you purchased the item entirely with your eligible Visa card and the eligible item has a valid original manufacturer’s written U.S. repair warranty of three (3) years or less, store-purchased dealer warranty, or assembler warranty.

Do I need to keep copies of receipts or any other records?

To file a claim, copies of your Visa card receipt, your store receipt, the original manufacturer’s written U.S. warranty, and any other applicable warranty are required. You will need to retain copies of these records unless the purchase is registered.

How do I file a claim?

Call the Benefit Administrator at 1-800-882-8057 immediately upon learning of a product failure.

Please note: If you do not give such notice within sixty (60) days after the product failure, your claim may be denied. The Benefit Administrator will ask you for some preliminary claim information, direct you to the appropriate repair facility, and send you the appropriate claim form.This claim form must be completed,
signed, and returned with all the requested documentation within ninety (90) days of the product failure.

Gift recipients of eligible items are also covered by the claims process, if desired. However, a gift recipient must provide all the documents necessary to fully substantiate the claim.

For faster filing, or to learn more about the Visa Warranty Manager Service, go to www.cardbenefitservices.com.

What documents do I need to submit with my claim?

• Your completed and signed claim form.
• Your Visa card receipt.
• The itemized store receipt.
• A copy of the original manufacturer’s written U.S. warranty and any other applicable warranty.
• A description and serial number of the item, and any other documentation deemed necessary to substantiate your claim. This includes bills and, if necessary, a copy of the maintenance record and
  receipts.
• The original repair order.
  

All claims must be fully substantiated.

How will I be reimbursed?

Once your claim has been verified and the terms and conditions of the benefit have been met, the item will be repaired or replaced at the Benefit Administrator’s discretion, but for no more than the original purchase price of the covered item, as recorded on your Visa card receipt, less shipping and handling fees, up to a maximum of ten thousand dollars ($10,000.00), as recorded on your Visa card receipt, and fifty thousand dollars ($50,000.00) maximum per cardholder.

Under normal circumstances, reimbursement will take place within five (5) business days of receipt and approval of all required documents.

Extended Warranty Protection will pay the facility directly for repairs, if possible, or you may go to an authorized repair facility and file a claim for reimbursement. Only valid and reasonable repairs made at the manufacturer’s authorized repair facility are covered.

In either case, the Benefit Administrator’s payment, replacement, or repair made in good faith will fulfill the obligation under the benefit.

Do I have to file with my insurance company?

No. However, if you have purchased or received a service contract or Extended Warranty, Extended Warranty Protection is supplemental to, and excess of, that coverage.

Additional Provisions for Warranty Manager Service

This protection provides benefits only to you, the eligible Visa cardholder, and to whomever receives the eligible gifts you purchase entirely with your eligible Visa card.

You shall use due diligence and do all things reasonable to avoid or diminish any loss or damage to property protected by this benefit. This provision will not be unreasonably applied to avoid claims.

If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of repair services, no benefit shall exist for such claim and your benefits may be canceled. Each claimant agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.

Once you report an occurrence, a claim file will be opened and shall remain open for six (6) months from the date of the damage or theft. No payment will be made on a claim that is not completely substantiated in the manner required by the Benefit Administrator within six (6) months of the date of product failure.

After the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect of this claim will be transferred to the Benefit Administrator to the extent of payment made to you. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.

No legal action for a claim may be brought against us until sixty (60) days after we receive Proof of Loss. No legal action against us may be brought more than two (2) years after the time for giving Proof of Loss. Further, no legal action may be brought against us unless all the terms of the Guide to Benefit have been complied with fully.

This benefit is provided to eligible Visa cardholders at no additional cost. The terms and conditions contained in this Guide to Benefit may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefit mailings, statement inserts, or statement messages. The benefit
described in this Guide to Benefit will not apply to Visa cardholders whose accounts have been suspended or canceled.

Termination dates may vary by financial institutions. Visa and/or your financial institution can cancel or non-renew the benefit, and if we do, we will notify you at least thirty (30) days in advance. This information is a description of the benefit provided to you as a Visa cardholder. It is insured by Indemnity Insurance Company of North America.

FORM #VWMGR – 2010 (04/11)

Not all Visa cards offer this benefit. Availability is determined by your card issuer. Extended Service Agreements are offered through a third-party administrator, and may not be available in all states. Terms and conditions may vary by product type. Call 1-800-882-8057 for details regarding specific products.

¹Some restrictions, limitations, and exclusions apply. Pricing does not include sales tax and may be subject to change.

Not all Visa cards offer this benefit. Availability is determined by your card issuer.

Get a detailed yearly report of your card spending to simplify budgeting and financial planning. All of your spending will be organized into categories such as Travel and Entertainment and Restaurants and Merchandise. If you need more details, you can get a list of all your transactions from the year.

Eligible purchases are replaced, repaired, or reimbursed for the first 90 days from the date of purchase in the event of theft, damage due to fire, vandalism, accidentally discharged water, or certain weather conditions.

Certain restrictions, limitations, and exclusions apply and benefit configuration may vary. Please refer to your Guide to Benefits or contact your issuer for full program terms and conditions, and to confirm specific coverage levels.

Not all Visa Signature cards offer this benefit. Availability is determined by your card issuer.