Thanks @
mia - it helps.
I just randomly picked a Hilton card It just talks about "Extended Warranty" for 1 additional yr (no mare than 5yr total). Then checked for Amex platinum - it has the same wordings too.
Furniture might come with 5yr warranty - so extended warranty does not work.
Whereas Citi Costo. is only for the Electrinics and Appliances:
https://www.retailmenot.com/blog/cos...-warranty.html