Top Credit Cards That Offer Cell Phone Insurance

Picture it: Your phone falls from your pocket and hits the ground face first. With a sense of dread, you stoop to pick it up and assess the damage.

Could it be a cracked screen? Or worse, a dead phone?

If you pay for cell phone insurance through your carrier or another provider, you may be covered. But if not, check your credit card. Some offer , as long as you pay your monthly cell phone bill with the card.

You shouldn't choose a card based solely on this feature. But if you're already paying separately for cell phone insurance, here are some of our favorite cards that could spare you that expense.

Rewards:

Welcome offer: 

Annual fee: .

APR: .

Deductible: $50.

Cell phone insurance: The  earns rich rewards in rotating and fixed bonus categories, but it has the potential to get complicated. You have to activate bonus categories every quarter and also remember to stay on top of them to get the most from your spending. This card also provides generous introductory offers and secondary cell phone insurance. To qualify for the cell phone benefit, use the card to pay your monthly cell phone bill. It covers up to $800 per claim (for a maximum of $1,000 per year) for a damaged or stolen phone.

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Rewards:

Welcome offer:

Annual fee: .

Deductible: $50.

Cell phone insurance: In addition to offering multiple luxury travel perks (like lounge access and automatic elite status), as well as monthly Uber statement credits,  also offers cell phone protection. Use the card to pay your monthly wireless bill, and you'll be covered if your cell phone gets damaged or stolen, including a cracked screen. Eligible claims can be reimbursed for a maximum of $800 per claim, or $1,600 per 12-month period, up to two approved claims. Terms apply.

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Rewards: None.

Deductible: $25.

Cell phone insurance: In addition to having one of the longest 0% APR periods around, the  covers your primary cell phone and additional lines in your plan up to $600 per claim, for a maximum of $1,200 per 12-month period. Simply pay your monthly cell phone bill with the card and you’ll be covered for damage or theft starting the next month. If you already have your own insurance, this benefit will reimburse the deductible portion required by that plan.

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Rewards:

Welcome offer:

Annual fee: .

APR: .

Deductible: $100.

Cell phone insurance: The earns solid rewards on everyday purchases, but gas guzzlers will get the most value from it. The cell phone protection benefit is less generous on this card than on other cards — even those without an annual fee. It offers secondary cell phone insurance for a damaged or stolen phone if you’ve used the card to pay your monthly cell phone bill. It covers one claim per year, up to $600. Terms apply.

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Rewards:

Welcome offer: .

Annual fee: , but it does require a one-time $200 security deposit.

APR: .

Deductible: $50.

Cell phone insurance: The  is a secured card, so it's meant for those looking to establish or repair credit. While you’re doing so, you can also get supplemental cell phone protection for stolen or damaged phones when you pay your monthly cell phone bill with the card.

Coverage varies depending on the type of card you choose during the application process. (This card can be issued as a Visa or a Mastercard.) The Visa covers up to $250 per claim (and a maximum of $500 in a 12-month period). The Mastercard covers up to $600 per claim ($1,000 maximum in a 12-month period).

In addition to meeting the traditional credit card application requirements, you’ll also have to be a member of Navy Federal to qualify.

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Rewards:

Sign-up bonus: .

Annual fee: .

APR: .

Deductible: $100.

Cell phone insurance: Get up to $600 per claim in cell phone protection for damaged or stolen cell phones when you use the to pay your monthly cell phone bills. Coverage is supplemental to your provider’s insurance or other qualifying insurance, and it extends to employees as long as they are also listed on the monthly cell phone bill. The benefit covers up to $600 per claim, with a maximum of three claims and $1,800 per 12-month period. Terms apply.

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Rewards: 1% unlimited cash back on all purchases.

Sign-up bonus: None.

Annual fee: .

APR: .

Deductible: $50.

Cell phone insurance: The stands out as a credit card that doesn't solely rely on the traditional FICO scoring model; the issuer has its own underwriting standards. As a student credit card, it ups the ante by offering secondary cell phone insurance when you use the card to pay your monthly bill. Coverage of up to $600 per claim (for a maximum of $1,000 per 12-month period) can go a long way for a damaged or stolen phone. So much can happen to a phone on a college campus or in the fog of finals week — this way, you can put your money toward books or pizza. Terms apply.