Looking over the benefits of my new Apple Card. There are no extended warranty coverage on items. I just had an expensive kitchen appliance ($450) burn out 6 months after the warranty was over. The manufacturer told me they would not do anything. My Citi card refunded the entire purchase price. Doubt I'll use this card for anything except Apple products. And if they don't provide zero percent financing like the now defunct Barclay Apple Card, I probably will hardly use it at all. If I want to pay interest, I can find better rates than 12.99% elsewhere.