4. American Express

While most manufacturers’ warranties don’t cover accidental damage, buying your purchase with any American Express card will cover you for accidents up to 90 days after purchase. Theft is covered, too, which is nice if you get mugged on the way home from the Apple Store. There is a limit of $1,000 per incident and $50,000 in total damages per year.

As for warranties, American Express automatically doubles the term of the manufacturer’s warranty, to a point you get up to one additional year of warranty coverage for all purchases with a manufacturer’s warranty of five years or less.

In other words, if the purchase has a six-month warranty, buying with an Amex card gets you a full year, whereas any warranty of a year or more is simply given an extra year of coverage, unless the original warranty is more than five years.

Finally, you also get return protection - if you want to return an item beyond the retailer’s return window, American Express will see to it that you can get a refund up to 90 days after the purchase, capped at $300 per item.