September 13, 2022
Credit Cards with Cell Phone Protection
Pam
We love our credit cards for the points/miles we earn for free to nearly free travel. We also enjoy all the benefits each card offers us that make the annual fee worth paying year after year. Did you know that some credit cards come with cell phone protection? Let’s go over these as the cost of cell phones is so high that we might as well get a card with protection, right?
There are several cards that have virtually the same cell phone protection plans. They come with $800-$1000 worth of protection in the event your phone is damaged or stolen. Some even cover cosmetic damage. You can use that coverage twice a year but will have a $50 deductible that you will have to pay. The credit cards with cell phone protection include:
All information about the Chase Freedom Flex℠ has been collected independently by Points Talk Squad. The Chase Freedom Flex℠ is no longer available through Points Talk Squad.
All information about the Ink Business Preferred® Credit Card has been collected independently by Points Talk Squad. The Ink Business Preferred® Credit Card is no longer available through Points Talk Squad.
Things To Consider
You must have paid your phone bill with the credit card for the previous statement that you are trying to make a claim on. If your phone was stolen, most plans want you to have filled out a police report within 48 hours. Here is a great article about things to consider with claims for cell phones.
The interesting thing about the credit cards that offer cell phone protection is that the annual fees on these cards vary from no annual fee (the Freedom Flex) to a $895 annual fee (American Express Platinum Card® rates and fees *enrollment required for some benefits). That means you don’t have to pay a lot to have a credit card that offers cell phone coverage.
Bottom Line
Cell phones cost a lot of money and nothing is worse than having one stolen or damaged. Luckily, one of the benefits of some of our favorite credit cards that we use for points and miles also comes with cell phone insurance. Do you have a card with this coverage?
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. American Express is a Travel Mom Squad advertiser, but we always show the best public offer even when we don’t earn a commission. Terms Apply.
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