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Cell phone protection
Pays to repair or replace your phone if it is stolen or damaged, when you pay your monthly wireless bill with the card.
What it is
Cell phone protection reimburses repair or replacement of a phone listed on your wireless bill when it is stolen or damaged, as long as you pay that monthly bill with the card. Cards that publish terms set a limit per claim, a deductible and a cap on claims per 12 months.
What to check on your card
- Per-claim limit and deductible: for example up to $600 or $1,000 per claim, minus a $25 to $100 deductible on the cards we checked.
- Claims per year: often 2 or 3 claims per 12 months, with a yearly maximum.
- Paying the bill: coverage usually starts the month after you pay the wireless bill with the card, and stops if you switch cards.
- What isn’t covered: many guides exclude phones that are simply lost, and cosmetic damage that doesn’t affect how the phone works.
- Order of payment: most card coverage pays after any other insurance, such as a carrier plan.
These are general descriptions. The exact terms on your card are in its Guide to Benefits. Not insurance advice.
Card by card
From each issuer’s page or benefit guide; cards with published terms first. “Not listed” means it wasn’t on the source we read, not that it can’t exist.
| Card | Status | What the issuer says |
|---|---|---|
| Chase Ink Business Preferred | Listed with terms | Up to $1,000 per claim against covered theft or damage for phones listed on your monthly cell phone bill, when you pay the bill with the card. Maximum of 3 claims in a 12-month period, with a $100 deductible per claim. |
| Amex Platinum Card | Listed with terms | Repair or replacement of a damaged or stolen cell phone, up to $800 per claim and 2 approved claims per 12-month period, with a $50 deductible per claim, when the phone line is on a wireless bill and the prior month's bill was paid with the card. Coverage is provided by New Hampshire Insurance Company, an AIG Company. |
| Delta SkyMiles Platinum Amex | Listed with terms | Repair or replacement of a damaged or stolen cell phone, up to $800 per claim and 2 approved claims per 12-month period, with a $50 deductible per claim, when the phone line is on a wireless bill and the prior month's bill was paid with the card. Coverage is provided by New Hampshire Insurance Company, an AIG Company. |
| Delta SkyMiles Reserve Amex | Listed with terms | Repair or replacement of a damaged or stolen cell phone, up to $800 per claim and 2 approved claims per 12-month period, with a $50 deductible per claim, when the phone line is on a wireless bill and the prior month's bill was paid with the card. Coverage is provided by New Hampshire Insurance Company, an AIG Company. |
| Hilton Honors Amex Aspire | Listed with terms | Repair or replacement of a damaged or stolen cell phone, up to $800 per claim and 2 approved claims per 12-month period, with a $50 deductible per claim, when the phone line is on a wireless bill and the prior month's bill was paid with the card. Coverage is provided by New Hampshire Insurance Company, an AIG Company. |
| Marriott Bonvoy Brilliant Amex | Listed with terms | Repair or replacement of a damaged or stolen cell phone, up to $800 per claim and 2 approved claims per 12-month period, with a $50 deductible per claim, when the phone line is on a wireless bill and the prior month's bill was paid with the card. Coverage is provided by New Hampshire Insurance Company, an AIG Company. |
| Amex Business Platinum Card | Listed with terms | Repair or replacement of a damaged or stolen cell phone, up to $800 per claim and 2 approved claims per 12-month period, with a $50 deductible per claim, when the phone line is on a wireless bill and the prior month's bill was paid with the card. Coverage is provided by New Hampshire Insurance Company, an AIG Company. |
| Amex Business Gold Card | Listed with terms | Repair or replacement of a damaged or stolen cell phone, up to $800 per claim and 2 approved claims per 12-month period, with a $50 deductible per claim, when your prior month's wireless bill was paid with the card. Coverage is provided by New Hampshire Insurance Company, an AIG Company. |
| Capital One Venture X | Listed with terms | Card page: pay your phone bill with the card and you can be reimbursed up to $800 if the phone is stolen or damaged. The Visa Infinite guide: up to $800 per claim, a maximum of 2 claims and $1,600 per 12 month period, $50 deductible. |
| Bilt Blue Card | Listed with terms | Cellular Wireless Telephone Protection: up to $800 per claim and $1,000 per covered card per 12 month period, 2 claims per covered card per 12 month period, $50 deductible per claim. |
| Bilt Obsidian Card | Listed with terms | Cellular Wireless Telephone Protection: up to $800 per claim and $1,000 per covered card per 12 month period, 2 claims per covered card per 12 month period, $50 deductible per claim. |
| Bilt Palladium Card | Listed with terms | Cellular Wireless Telephone Protection: up to $800 per claim and $1,000 per covered card per 12 month period, 2 claims per covered card per 12 month period, $50 deductible per claim. |
| Wells Fargo Autograph | Listed with terms | Cellular Telephone Protection: up to $600 per approved claim for damage, theft or involuntary and accidental parting, less a $25 deductible, with a maximum of two paid claims per 12-month period. Pay your monthly cell phone bill with the card. Phones that are lost (mysteriously disappear) are not covered. |
| Wells Fargo Autograph Journey | Listed with terms | Cellular Telephone Protection: up to $1,000 per approved claim for damage, theft or involuntary and accidental parting, less a $25 deductible, with a maximum of two paid claims per 12-month period. Pay your monthly cell phone bill with the card. Phones that are lost (mysteriously disappear) are not covered. |
| Wells Fargo Active Cash | Listed with terms | Cellular Telephone Protection: up to $600 per claim to repair or replace a cell phone that is damaged, stolen or unrecoverable after involuntary and accidental parting, less a $25 deductible. Maximum 2 paid claims and $1,200 per 12 month period. Pay the monthly wireless bill with the card; coverage starts the first day of the calendar month after the bill posts. Cracked screens or cosmetic damage that don't affect function, and phones that are simply lost, are not covered. Pays after other insurance. |
| PenFed Power Cash Rewards | Listed with terms | Cellular Telephone Protection: up to $500 per claim, less a $50 deductible, with a maximum of 2 claims and $1000 per 12 month period, when you pay the monthly cell phone bill with the card. Coverage begins the first day of the calendar month after the payment. Pays after other insurance. |
| Chase Ink Business Premier | Listed with terms | Cell Phone Protection: up to $1,000 per claim against covered theft or damage for phones listed on your monthly cell phone bill when you pay it with the card. Maximum of 3 claims in a 12-month period, with a $100 deductible per claim. |
| Wells Fargo Reflect | Listed with terms | Cellular Telephone Protection: up to $600 per claim to repair or replace a cell phone that is damaged, stolen or unrecoverable after involuntary and accidental parting, less a $25 deductible. Maximum 2 paid claims and $1,200 per 12 month period. Pay the monthly wireless bill with the card; coverage starts the first day of the calendar month after the bill posts. Cracked screens or cosmetic damage that don't affect function, and phones that are simply lost, are not covered. Pays after other insurance. |
| U.S. Bank Shield Visa | Listed with terms | Card page: get up to $600 reimbursed if your cell phone is stolen or damaged when you pay your monthly cellular bill with the card. |
| PenFed Platinum Rewards | Listed with terms | Cellular Telephone Protection: up to $500 per claim, less a $50 deductible, with a maximum of 2 claims and $1000 per 12 month period, when you pay the monthly cell phone bill with the card. Coverage begins the first day of the calendar month after the payment. Pays after other insurance. |
| PenFed Gold Visa | Listed with terms | Cellular Telephone Protection: up to $500 per claim, less a $50 deductible, with a maximum of 2 claims and $1000 per 12 month period, when you pay the monthly cell phone bill with the card. Coverage begins the first day of the calendar month after the payment. Pays after other insurance. |
| PNC Cash Rewards Visa | Listed with terms | Cell Phone Protection: when you use the card to pay your monthly wireless bill, you can get reimbursed up to $800 if your cell phone is stolen or damaged. Limitations apply. |
| DoorDash Rewards Mastercard | Listed, no limits published | Card page: cell phone protection is subject to terms, conditions and limitations, including limitations on the amount of coverage; the monthly bill for the phone must be paid with the card, and the policy provides secondary coverage only. No dollar limit is stated. |
| TD Double Up | Listed, no limits published | Card page: Visa benefits like cell phone protection when you pay your monthly mobile bill with the card. No limit stated. |
| Chase Sapphire Preferred | Not listed | |
| Chase Sapphire Reserve | Not listed | |
| United Gateway Card | Not listed | |
| United Explorer Card | Not listed | |
| United Quest Card | Not listed | |
| United Club Card | Not listed | |
| Southwest Rapid Rewards Plus | Not listed | |
| Southwest Rapid Rewards Premier | Not listed | |
| Southwest Rapid Rewards Priority | Not listed | |
| Marriott Bonvoy Bold | Not listed | |
| Marriott Bonvoy Boundless | Not listed | |
| World of Hyatt Credit Card | Not listed | |
| IHG One Rewards Premier | Not listed | |
| IHG One Rewards Credit Card | Not listed | |
| IHG One Rewards Premier Select | Not listed | |
| British Airways Visa Signature | Not listed | |
| Aer Lingus Visa Signature | Not listed | |
| Chase Aeroplan Card | Not listed | |
| Amex Gold Card | Not listed | |
| Delta SkyMiles Gold Amex | Not listed | |
| Hilton Honors Amex Card | Not listed | |
| Hilton Honors Amex Surpass | Not listed | |
| Capital One Venture | Not listed | |
| Capital One VentureOne | Not listed | |
| Capital One Venture X Business | Not listed | |
| Citi Strata Premier | Not listed | |
| Citi Strata Elite | Not listed | |
| Citi AAdvantage Platinum Select | Not listed | |
| Citi AAdvantage Executive | Not listed | |
| Citi AAdvantage Globe | Not listed | |
| U.S. Bank Altitude Connect | Not listed | |
| U.S. Bank Altitude Go | Not listed | |
| BofA Travel Rewards | Not listed | |
| BofA Premium Rewards | Not listed | |
| BofA Premium Rewards Elite | Not listed | |
| Atmos Rewards Ascent | Not listed | |
| JetBlue Plus Card | Not listed | |
| Wyndham Rewards Earner Plus | Not listed | |
| Royal ONE Visa Signature | Not listed | |
| Royal ONE Plus Visa Signature | Not listed | |
| Norwegian Cruise Line World Mastercard | Not listed | |
| Princess Rewards Visa | Not listed | |
| Holland America Line Rewards Visa | Not listed | |
| Chase Freedom Unlimited | Not listed | |
| Chase Freedom Flex | Not listed | |
| Prime Visa | Not listed | |
| Amex Blue Cash Preferred | Not listed | |
| Costco Anywhere Visa | Not listed | |
| Capital One Savor | Not listed | |
| Navy Federal cashRewards (Visa) | Not listed | |
| Fidelity Rewards Visa Signature | Not listed | |
| Chase Freedom Rise | Not listed | |
| Chase Slate Edge | Not listed | |
| Amazon Visa | Not listed | |
| Disney Visa Card | Not listed | |
| Disney Premier Visa Card | Not listed | |
| Disney Inspire Visa Card | Not listed | |
| Chase Ink Business Cash | Not listed | |
| Chase Ink Business Unlimited | Not listed | |
| Amex Blue Cash Everyday | Not listed | |
| Amex Blue Business Cash | Not listed | |
| Amex Blue Business Plus | Not listed | |
| Amex Graphite Business Cash Unlimited | Not listed | |
| Citi Double Cash | Not listed | |
| Costco Anywhere Visa Business | Not listed | |
| Capital One Quicksilver | Not listed | |
| Capital One Savor Student | Not listed | |
| Capital One Spark Cash Plus | Not listed | |
| Capital One Spark Cash Select | Not listed | |
| Wells Fargo Signify Business Cash | Not listed | |
| BofA Business Advantage Customized Cash | Not listed | |
| BofA Business Advantage Unlimited Cash | Not listed | |
| Robinhood Gold Card | Not listed | |
| Navy Federal GO REWARDS (Visa) | Not listed | |
| Navy Federal More Rewards Amex | Not listed | |
| Navy Federal Platinum (Visa) | Not listed | |
| Navy Federal cashRewards Secured (Visa) | Not listed | |
| Alliant Cashback Visa Signature | Not listed | |
| Truist Enjoy Cash | Not listed |
Questions
Quick answers
Which credit cards list cell phone protection with terms?
Of the 103 cards we checked for it, 22 list cell phone protection with published terms: Chase Ink Business Preferred, Amex Platinum Card, Delta SkyMiles Platinum Amex, Delta SkyMiles Reserve Amex, Hilton Honors Amex Aspire, Marriott Bonvoy Brilliant Amex, Amex Business Platinum Card, Amex Business Gold Card, Capital One Venture X, Bilt Blue Card, Bilt Obsidian Card, Bilt Palladium Card, Wells Fargo Autograph, Wells Fargo Autograph Journey, Wells Fargo Active Cash, PenFed Power Cash Rewards, Chase Ink Business Premier, Wells Fargo Reflect, U.S. Bank Shield Visa, PenFed Platinum Rewards, PenFed Gold Visa and PNC Cash Rewards Visa. 2 more list it without published limits or as assistance only: DoorDash Rewards Mastercard and TD Double Up. Check your Guide to Benefits.
What does “not listed” mean for cell phone protection?
It means cell phone protection wasn’t on the issuer page or benefit guide we read for that card. Not listed doesn’t mean not covered: the card’s Guide to Benefits may still include it. Check your Guide to Benefits.
What should I check about cell phone protection in my Guide to Benefits?
The per-claim limit and deductible; how many claims are allowed per 12 months; whether you must pay the full monthly wireless bill with the card and from when coverage starts; and whether lost phones or cracked screens are excluded. Check your Guide to Benefits.
Gap check
Not listed for your card?
Not listed doesn’t mean not covered. Read the protection section of your card’s Guide to Benefits, or call the number on the back of the card, before you buy or file a claim.