Credit cards that offer cell phone protection

By
Benji Stawski
and
Christina Ly
Editor
Nick Ewen
Updated
Feb 01, 2023
This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

Cell phones have become more expensive, both to buy and replace. Luckily, many credit cards today will cover phone loss or damage. 

In this article, we highlight credit cards that offer ongoing phone protection when you pay your cell phone bill with the card. While this benefit isn’t as revolutionary as others, it’s now being offered on more cards than ever before.

In 2019, Mastercard added cell phone insurance to most World and World Elite cards. Then, in early 2021, American Express added it to several of its premium cards. The benefit is also offered on some Visa cards, but not network-wide. See cards below from our partners.

Best for Rotating Bonus Categories
TPG Editor's Rating tooltip icon
3.5/5
1 - 5% cash-back
details
  • 5% 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • 1% Unlimited 1% cash back on all other purchases.
$200
details
Intro Offer tooltip icon
$200
$0

Why We Chose It

The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories that change each quarter. You’ll also earn 5% back on travel purchased through Chase Ultimate Rewards. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee. Read our full review of the Chase Freedom Flex.

Pros

  • Rotating bonus cash-back categories.
  • High bonus earning rate.
  • Cellphone protection.

Cons

  • Bonus rate must be activated each quarter.
  • Foreign transaction fees.
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Pros

  • Rotating bonus cash-back categories.
  • High bonus earning rate.
  • Cellphone protection.

Cons

  • Bonus rate must be activated each quarter.
  • Foreign transaction fees.
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Pros

  • Rotating bonus cash-back categories.
  • High bonus earning rate.
  • Cellphone protection.

Cons

  • Bonus rate must be activated each quarter.
  • Foreign transaction fees.
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
award ribbon
Best for premium travel benefits
TPG Editor's Rating tooltip icon
4.5/5
Go to review
2 - 10X points
details
  • 10X Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
  • 5X 5X miles on flights booked through Capital One Travel.
  • 2X 2 Miles per dollar on every purchase, every day
75,000 miles
details
Intro Offer tooltip icon
75,000 miles
$395

Why We Chose It

If you can maximize the up to $300 statement credit toward Capital One Travel, the Venture X’s annual fee effectively comes down to $95, the same annual fee pegged to the Capital One Venture Rewards Credit Card. Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations), lounge access, and shopping protections and this card may become the strongest option out there for a lot of travelers. Read our full review of the Capital One Venture X Rewards Credit Card.

Pros

  • Travel credits.
  • Anniversary bonus miles.
  • Travel and shopping protection.
  • Lounge access.

Cons

  • High annual fee.
  • Restrictive statement credit structure.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023

Pros

  • Travel credits.
  • Anniversary bonus miles.
  • Travel and shopping protection.
  • Lounge access.

Cons

  • High annual fee.
  • Restrictive statement credit structure.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023

Pros

  • Travel credits.
  • Anniversary bonus miles.
  • Travel and shopping protection.
  • Lounge access.

Cons

  • High annual fee.
  • Restrictive statement credit structure.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Apply for The Platinum Card® from American Express
Apply now for The Platinum Card® from American Express at American Express's secure site Terms & restrictions apply. See rates & fees
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Terms & restrictions apply. See rates & fees
TPG Editor's Rating tooltip icon
4.5/5
Go to review
5X points
details
  • 5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Earn 80,000 points
details
Intro Offer tooltip icon
Earn 80,000 points
$695

Why We Chose It

The American Express Platinum Card is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee. Phone protection is just one of the Platinum’s many benefits. Read our full review of the American Express Platinum Card.

Pros

  • Bonus earning for flights and prepaid hotels.
  • Luxury travel credits.
  • Travel and shopping protection.
  • Lounge access.
  • Hotel elite status.

Cons

  • High annual fee.
  • Limited bonus earning rate outside of travel purchases.
  • Annual airline fee credit is complicated to redeem.
  • Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
  • Breeze through security with CLEAR® lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. Learn more.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees

Pros

  • Bonus earning for flights and prepaid hotels.
  • Luxury travel credits.
  • Travel and shopping protection.
  • Lounge access.
  • Hotel elite status.

Cons

  • High annual fee.
  • Limited bonus earning rate outside of travel purchases.
  • Annual airline fee credit is complicated to redeem.
  • Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
  • Breeze through security with CLEAR® lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. Learn more.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees

Pros

  • Bonus earning for flights and prepaid hotels.
  • Luxury travel credits.
  • Travel and shopping protection.
  • Lounge access.
  • Hotel elite status.

Cons

  • High annual fee.
  • Limited bonus earning rate outside of travel purchases.
  • Annual airline fee credit is complicated to redeem.
  • Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
  • Breeze through security with CLEAR® lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. Learn more.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees
TPG Editor's Rating tooltip icon
4.5/5
Go to review
1 - 3X points
details
  • 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
100,000 points
details
Intro Offer tooltip icon
100,000 points
$95

Why We Chose It

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus, earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel and shopping protections, including cellphone coverage. Read our full review of the Ink Business Preferred Card.

Pros

  • High sign-up bonus.
  • Reasonable annual fee.
  • Multiple business-related bonus categories.
  • Travel and shopping protection.

Cons

  • High spend needed for sign-up bonus.
  • Cap for bonus earning rate.
  • Lack of travel or business credits.
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Pros

  • High sign-up bonus.
  • Reasonable annual fee.
  • Multiple business-related bonus categories.
  • Travel and shopping protection.

Cons

  • High spend needed for sign-up bonus.
  • Cap for bonus earning rate.
  • Lack of travel or business credits.
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Pros

  • High sign-up bonus.
  • Reasonable annual fee.
  • Multiple business-related bonus categories.
  • Travel and shopping protection.

Cons

  • High spend needed for sign-up bonus.
  • Cap for bonus earning rate.
  • Lack of travel or business credits.
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Terms & restrictions apply. See rates & fees
TPG Editor's Rating tooltip icon
3.5/5
2% cash-back
details
  • 2% Earn unlimited 2% cash rewards on purchases
$200 cash rewards
details
Intro Offer tooltip icon
$200 cash rewards
$0

Why We Chose It

The Wells Fargo Active Cash card delivers simplicity to cardholders who want to pay for their purchases without worrying if you’re maximizing every last dollar. With a 2% cash rewards rate, you’ll rest easy knowing that you’re earning bonus points whether you’re online shopping or paying your hairdresser. Plus, enjoy other benefits like cell phone protection and access to the Visa Signature Concierge luxury hotels.

Pros

  • There’s no annual fee, meaning that you can keep your costs low while focusing on earning rewards.
  • Earn 2% cash rewards on purchases — no bonus categories to track or remember.
  • Get up to $600 in cell phone protection (with a $25 deductible) against covered damage or theft when you pay your monthly cell phone bill with this card.

Cons

  • Don’t take this card abroad with you, as this card incurs a 3% foreign transaction fee.
  • Other cash rewards cards can offer better sign-up bonuses.
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions

Pros

  • There’s no annual fee, meaning that you can keep your costs low while focusing on earning rewards.
  • Earn 2% cash rewards on purchases — no bonus categories to track or remember.
  • Get up to $600 in cell phone protection (with a $25 deductible) against covered damage or theft when you pay your monthly cell phone bill with this card.

Cons

  • Don’t take this card abroad with you, as this card incurs a 3% foreign transaction fee.
  • Other cash rewards cards can offer better sign-up bonuses.
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions

Pros

  • There’s no annual fee, meaning that you can keep your costs low while focusing on earning rewards.
  • Earn 2% cash rewards on purchases — no bonus categories to track or remember.
  • Get up to $600 in cell phone protection (with a $25 deductible) against covered damage or theft when you pay your monthly cell phone bill with this card.

Cons

  • Don’t take this card abroad with you, as this card incurs a 3% foreign transaction fee.
  • Other cash rewards cards can offer better sign-up bonuses.
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions
Apply now for Wells Fargo Reflect® Card at Wells Fargo's secure site
Terms & restrictions apply. See rates & fees
BEST FOR FINANCING CREDIT CARD DEBT
TPG Editor's Rating tooltip icon
3/5
Go to review
no offer
details
no offer
no offer
Intro Offer
no offer
$0

Why We Chose It

There’s no annual fee, and you’ll enjoy a 0% introductory APR on purchases and qualifying balance transfers for 18 months from account opening, with the potential of an extension of up to three months, given that you make on-time minimum payments in the introductory period. After the introductory period, you’ll face a variable APR of 17.24% to 29.24%, depending on your creditworthiness.

Pros

  • No annual fee.
  • Introductory APR offer of 18 months with the potential to extend up to three months.
  • Cell phone protection.

Cons

  • No points or cash rewards earning potential.
  • No welcome bonus.
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.24% to 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
  • $0 Annual Fee
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • Select "Apply Now" to learn more about the product features, terms and conditions

Pros

  • No annual fee.
  • Introductory APR offer of 18 months with the potential to extend up to three months.
  • Cell phone protection.

Cons

  • No points or cash rewards earning potential.
  • No welcome bonus.
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.24% to 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
  • $0 Annual Fee
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • Select "Apply Now" to learn more about the product features, terms and conditions

Pros

  • No annual fee.
  • Introductory APR offer of 18 months with the potential to extend up to three months.
  • Cell phone protection.

Cons

  • No points or cash rewards earning potential.
  • No welcome bonus.
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.24% to 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
  • $0 Annual Fee
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • Select "Apply Now" to learn more about the product features, terms and conditions

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Credit cards that cover cell phone loss and damage

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Card Welcome Offer/Sign Up Bonus Earning Rate Annual Fee
Ink Business Preferred® Credit Card 100,000 points
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
$95
Capital One Venture X Rewards Credit Card 75,000 miles
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
  • 5X miles on flights booked through Capital One Travel.
  • 2 Miles per dollar on every purchase, every day
$395
The Platinum Card® from American Express Earn 80,000 points
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$695
Chase Freedom Flex℠ $200
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • Unlimited 1% cash back on all other purchases.
$0

Capital One Venture X Rewards Credit Card

The Venture X card comes with a number of attractive benefits, from an up to a $300 annual travel credit for bookings made through the Capital One portal, Capital One lounge and Priority Pass lounge access for you and up to two guests and more.

What may really sell you on this card is its ample cellphone protection, covering theft or damage. By paying your monthly bill with your Venture X, you’ll not only earn 2 miles per dollar on all purchases, but cardholders are eligible for up to two approved claims each calendar year, for a maximum of $800 per claim and $1,600 per 12-month period. There’s a $50 deductible that applies.

Related: The most exciting premium card to come around in years: A review of Capital One Venture X

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Official application link: Capital One Venture X

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The Platinum Card® from American Express

On April 1, 2021, American Express added cellphone protection to a number of its premium consumer and small business cards, including The Platinum Card. What makes Amex’s protection stand out is that it includes screen damage, which is typically excluded from damage coverage. It also covers theft and any other form of damage. 

To be eligible, a cardmember’s cellphone line needs to be listed on the wireless bill and the prior month’s bill must be paid on the eligible Amex card account. Cardholders are eligible for up to two approved claims, for a maximum of $800 per claim or $1,600 per 12-month period. A $50 deductible applies to each approved claim.*

Related: Amex adds new cell phone protection benefit

Here’s the full list of Amex cards that will be eligible for cell phone protection:

*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

**The information for these cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

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Official application link: American Express Platinum

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Ink Business Preferred Credit Card

On top of offering 3 points per dollar when you use the card to pay your monthly bill, the Ink Business Preferred from Chase gives your phone and any eligible phones listed on the same bill supplemental protection. That means damage may be covered, assuming the phone is not listed on any insurance policy from the provider or on your personal home/valuable property insurance.

This protection is subject to a $100 deductible per claim and a maximum of three claims per 12-month period. The maximum benefit limit is $1,000, for up to $3,000 annually per claim. The protection covers damage and theft. Per Chase, there are exceptions to this protection, including but not limited to: 

  • Cellular wireless telephone accessories other than standard battery and/or standard antenna provided by the manufacturer.
  • Cellular wireless telephone purchased for resale.
  • Cellular wireless telephone under the care and control of a common carrier.
  • Cellular wireless telephone that has been rented, leased and borrowed.
  • Cosmetic damage to the cellular wireless telephone.
  • Taxes, delivery and transportation charges, and any fees associated with the cellular service provider.

You must file a claim within 60 days of the incident and provide all required documentation for the claim within 90 days of the incident. You can go to page 48 of your Chase Ink Business Preferred benefits guide to read all the fine print.

Related: How to submit a cellphone insurance claim for the Ink Business Preferred

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Official application link: Ink Business Preferred

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Wells Fargo Active Cash® Card

The Wells Fargo Active Cash is one of the few cards on the market with no annual fee and offers cell phone protection against damage and theft. Just pay your monthly cell phone bill with this card and receive up to $600 in protection (with a $25 deductible). Plus, you’ll earn 2% cash rewards on purchases, making this one of the most lucrative cash rewards cards on the market.

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Certain World Elite Mastercards 

If you happen to carry a World Elite Mastercard in your wallet, you may be eligible for cell phone protection that covers damage or theft up to $800 (with a $50 deductible), and up to $1,000 per 12-month period. This benefit protects your primary cell phone line and the first two secondary, additional or supplemental lines when you pay your cell phone bill every month with a World Elite Mastercard.

Here’s a list of World Elite Mastercards, but it’s currently not clear whether all come with cell phone insurance.

The information for the Barclays Arrival Plus, JetBlue Plus, Lufthansa Miles, and Hawaiian Airline cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Citi Prestige® Card

This premium card offers a cell phone protection benefit above the usual Mastercard World Elite coverage maximum. The benefit is for up to five phones when you pay their monthly bill with the card. You’ll get up to $1,000 per claim and up to $1,500 per 12-month period, with a $50 deductible.

This coverage doesn’t apply to phones that are lost or mysteriously disappear (though theft is covered), and you won’t be covered if your cell phone’s damage is merely cosmetic, “including minor screen cracks and fractures less than 2 inches in length that do not prevent the ability to make or receive phone calls or to use other features related to making or receiving phone calls.” Log in to your Citi account to read all the fine print about this coverage policy.

The information for the Citi Prestige Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.          

U.S. Bank Visa® Platinum Card

Another Visa card to offer cell phone protection is the U.S. Bank Visa Platinum CardThe benefit covers damage or theft up to $600, with a $25 deductible, for up to two claims ($1,200) per 12-month period. It protects your primary cell phone line and any secondary, additional or supplemental lines when you pay your cell phone bill every month with your U.S. Bank Visa Platinum Card. The secondary coverage provided by this card is similar to the coverage provided by the Wells Fargo Propel American Express® card and the Uber Visa Card, but check your guide to benefits for full details.

Is cell phone protection worth it?

If you have a credit card that offers cellphone protection, it’s a no-brainer to use that card to pay your cellphone bill. These days, phones can cost more than $1,000, so being totally on the hook for an unexpected replacement can be very painful.

By leaning into some built-in card protections, you’ll have coverage for you and others on your plan without needing to pay your phone company for device coverage. The Ink Business Preferred has a $100 deductible, but you’ll earn 3 Chase Ultimate Rewards points per dollar spent on cellphone bills. So if your family has a $200 cell phone bill each month, you’ll earn 7,200 Ultimate Rewards per year, which TPG values at $144.

Related: How I got my cracked iPhone replaced for just $54.20 by using the right credit card

Bottom line

Knowing you have your phone protected could really pay big dividends if your expensive smartphone is damaged or stolen. Just make sure to set your monthly cell phone bill payment up to one of the cards that offer this coverage as it doesn’t kick in if you don’t use that card to pay your monthly bill.

Additional reporting by Stella Shon and Christina Ly.

For rates and fees of the Amex Platinum card, click here.

Featured image by praetorianphoto via Getty Images.

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