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Top Credit Cards That Offer Cell Phone Insurance

Nov. 5, 2019
Balance Transfer Credit Cards, Business Credit Cards, Cash Back Credit Cards, Credit Cards, Rewards Credit Cards, Student Credit Cards, Travel Credit Cards
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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 built-in cell phone insurance, 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.

U.S. Bank Visa® Platinum Card

Our pick for: 0% intro APR

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

Apply Now on US Bank's secure site
  • Recommended Credit Score
  • 690
    719
    Good
  • Card Details
  • Pros

    • No annual fee
    • Intro APR period on Purchases and Balance Transfers

    Cons

    • No rewards

    Annual Fees

    $0

    APR

    • APR: 13.99% - 24.99% Variable APR
    • Cash Advance APR: 25.49%, Variable

    Bonus Offers

    None

    Intro APR

    • 0%* on purchases and balance transfers for 18 billing cycles*
  • Additional Information
    • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 13.99% - 24.99%
    • Great offer from U.S. Bank, a 2019 World's Most Ethical Company® - Ethisphere Institute, February 2019
    • No Annual Fee*
    • Flexibility to choose a payment due date that fits your schedule
    • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
    • View Rates and Fees

Rewards: None.

Sign-up bonus: None.

Annual fee: $0.

APR: 0% on Purchases and Balance Transfers for 18 billing cycles, and then the ongoing APR of 13.99% - 24.99% Variable APR.

Deductible: $25.

Cell phone insurance: In addition to having one of the longest 0% APR periods around, the U.S. Bank Visa® Platinum Card 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.

›› MORE: Full review of the U.S. Bank Visa® Platinum Card

Wells Fargo Propel American Express® card

Our pick for: Everyday expenses

Wells Fargo Propel American Express® card

Wells Fargo Propel American Express® card

Apply Now on Wells Fargo's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • No annual fee
    • Sign-up bonus
    • No foreign transaction fee
    • Intro APR period on Purchases and qualifying Balance Transfers

    Cons

    • American Express isn’t accepted at as many merchants as Visa or Mastercard
    • Requires good/excellent credit

    Annual Fees

    $0

    APR

    • APR: 15.49% - 27.49% Variable APR

    Bonus Offers

    Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value

    Intro APR

    • 0% APR for 12 months on purchases and qualifying balance transfers
  • Additional Information
    • Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value
    • $0 annual fee and no foreign currency conversion fee
    • Earn 3X points on eating out and ordering in
    • Earn 3X points on travel including flights, hotels, homestays and car rentals
    • Earn 3X points on gas stations, rideshares and transit
    • Earn 3X points on popular streaming services
    • Earn 1X points on other purchases
    • Select "Apply Now" to learn more about the product features, terms and conditions
    • View Rates and Fees

Rewards:

  • 3 points per $1 spent on dining out or ordering in.
  • 3 points per $1 spent on gas stations, rideshares and transit.
  • 3 points per $1 spent on travel including flights, hotels, homestays and car rentals.
  • 3 points per $1 spent on eligible streaming services.
  • 1 point per $1 spent in non-bonus categories

Deductible: $25.

Cell phone insurance: The Wells Fargo Propel American Express® card isn’t the only Wells Fargo credit card that offers cell phone insurance, but it’s among the issuer’s best overall cards, with a generous welcome offer and rich ongoing rewards and perks. Among them: Pay your monthly cell phone bill with the card and you qualify for up to $600 per claim (and a maximum of $1,200 in a 12-month period) for a damaged or stolen phone. Wells Fargo’s cell insurance policy serves as supplemental coverage that can potentially cover costs that any existing insurance doesn’t. Terms apply.

›› MORE: What to expect from Wells Fargo’s cell phone insurance

Deserve® Pro Mastercard

Our pick for: Those with limited credit

Deserve® Pro Mastercard

Deserve® Pro Mastercard

Apply Now on Deserve's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • No annual fee
    • No foreign transaction fee

    Cons

    • No sign-up bonus
    • No intro APR period on Purchases and Balance Transfers

    Annual Fees

    $0

    APR

    • APR: 17.74% to 24.74% Variable APR

    Bonus Offers

    None

    Intro APR

    • N/A
  • Additional Information
    • Available to L1, O1, and H1B visa holders.
    • Priority Pass™ Select Membership (valued at $99), after you make $1,000 of purchases with your new Deserve Pro Mastercard within the first 90 days after activation.
    • 3% cash back on travel & entertainment.
    • 2% cash back on restaurants.
    • 1% unlimited cash back on all purchases.
    • Credit limits up to $10,000.
    • $0 annual fee & no foreign transaction fees.
    • No security deposit or co-signer required.
    • Helps students and professionals build a credit history and gain financial independence.
    • Use anywhere in the world where Mastercard is accepted.
    • Includes Mastercard Platinum Benefits like Travel Assistance Services, Extended Warranty, and ID Theft Protection.
    • Complimentary cellphone insurance up to $600.

Rewards:

  • 3% cash back on travel and entertainment and 2% cash back at restaurants for purchases up to $500 per billing cycle, combined.
  • 1% unlimited cash back on all other purchases.

Welcome offer: None.

Annual fee: $0.

APR: The ongoing APR is 17.74% to 24.74% Variable APR.

Deductible: $50.

Cell phone insurance: The Deserve® Pro Mastercard is designed for individuals with established credit, but some applicants with limited credit might qualify. The issuer may allow exceptions for those who can meet income and employment verification requirements. The Deserve® Pro Mastercard has the highest rewards rate out of all Deserve cards, plus some perks, too. It offers secondary cell phone insurance when you use the card to pay your monthly cell phone bill. It covers up to $600 per claim (for a maximum of $1,000 per 12-month period) for a damaged or stolen phone.

›› MORE: Full review of the Deserve® Pro Mastercard

Navy Federal Credit Union® nRewards® Secured Credit Card

Our pick for: Those with no credit or poor credit

Navy Federal Credit Union® nRewards® Secured Credit Card

Navy Federal Credit Union® nRewards® Secured Credit Card

Apply Now on Navy Federal Credit Union's secure site
  • Recommended Credit Score
  • 300
    689
    Poor - Average
  • Card Details
  • Pros

    • Qualify with limited / bad credit
    • No annual fee
    • No foreign transaction fee

    Cons

    • Must be a Navy Federal member

    Annual Fees

    $0

    APR

    • APR: 18.00%, Variable
    • Penalty APR: Up to 18.00%, Variable
    • Cash Advance APR: 20.00%, Variable

    Bonus Offers

    None

    Intro APR

    • N/A
  • Additional Information
    • 1X point per dollar spent
    • No annual fees
    • No balance transfer fees
    • No foreign transaction fees
    • No cash advance fees
    • Deposit at least $200 into your savings account (before submitting your application) to back your spending. Once approved, the deposit will determine your card’s credit limit and be held

Rewards:

  • Earn one point per net $1 spent, to redeem for cash, gift cards or merchandise.

Welcome offer: None.

Annual fee: $0, but it does require a one-time $200 security deposit.

APR: The ongoing APR is 18.00%, Variable.

Deductible: $50.

Cell phone insurance: The Navy Federal Credit Union® nRewards® Secured Credit Card 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.

›› MORE: Full review of the Navy Federal Credit Union® nRewards® Secured Credit Card

Ink Business Preferred℠ Credit Card

Our pick for: Business owners

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

Apply Now on Chase's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • No foreign transaction fee

    Cons

    • Has annual fee

    Annual Fees

    $95

    APR

    • APR: 17.74% - 22.74% Variable APR
    • Cash Advance APR: 26.74%, Variable

    Bonus Offers

    Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®

    Intro APR

    • N/A
  • Additional Information
    • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem 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 no limit to the amount you can earn
    • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
    • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
    • No foreign transaction fees
    • Employee cards at no additional cost
    • $95 Annual Fee

Rewards:

  • 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year.
  • 1 point per $1 on all other purchases.

Sign-up bonus: Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.

Annual fee: $95.

APR: The ongoing APR is 17.74% - 22.74% Variable 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 Ink Business Preferred℠ Credit Card 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.

›› MORE: Full review of the Ink Business Preferred℠ Credit Card

Deserve® Edu Mastercard for Students

Our pick for: Students

Deserve® Edu Mastercard for Students

Deserve® Edu Mastercard for Students

Apply Now on Deserve's secure site
  • Recommended Credit Score
  • 630
    850
    Average - Excellent
  • Card Details
  • Pros

    • Qualify with limited credit
    • No annual fee
    • No foreign transaction fee

    Cons

    • High APR

    Annual Fees

    $0

    APR

    • Purchase: 20.49%, Variable

    Bonus Offers

    None

    Intro APR

    • N/A
  • Additional Information
    • No SSN required for International students.
    • Available to students (enrollment verification is required).
    • Amazon Prime Student on us (get reimbursed for subscription fees up to a lifetime total of $59).
    • 1% unlimited cash back on all purchases.
    • Credit limits up to $5,000.
    • $0 annual fee & no foreign transaction fees.
    • No security deposit or co-signer required.
    • Helps students build credit history and gain financial independence.
    • Use anywhere in the world where Mastercard is accepted.
    • Includes Mastercard Platinum Benefits like Travel Assistance Services, Extended Warranty, and ID Theft Protection
    • Complimentary cellphone insurance up to $600.

Rewards: 1% unlimited cash back on all purchases.

Sign-up bonus: None.

Annual fee: $0.

APR: The ongoing APR is 20.49% Variable.

Deductible: $50.

Cell phone insurance: The Deserve® Edu Mastercard for Students 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.

›› MORE: Full review of the Deserve® Edu Mastercard for Students

Uber Credit Card

Our pick for: Frequent rideshare users

Rewards:

  • 5% back in UberCash on Uber purchases, including rides, Uber Eats orders, and Jump bike and scooter rides.
  • 3% back in UberCash on restaurants, bars, hotels, and airfare.
  • 1% back in UberCash on all other purchases.

Deductible: $25.

Cell phone insurance: The Uber Credit Card serves up big rewards on Uber spending, and it also offers supplemental cell phone coverage when you pay your monthly bill with the card. It covers damage to or theft of your phone that’s not otherwise covered by another policy, up to $600 per claim, with a maximum of two claims and $1,000 per 12-month period. Terms apply.

» MORE: Full review of the Uber Credit Card

TRIO® Credit Card from Fifth Third Bank

Our pick for: Foodies who dine at home

TRIO® Credit Card from Fifth Third Bank

TRIO® Credit Card from Fifth Third Bank

Apply Now on Fifth Third Bank's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • No annual fee
    • Intro APR period on Balance Transfers
    • No foreign transaction fee

    Annual Fees

    $0

    APR

    • APR: 15.74% - 24.74%* Variable
    • Cash Advance APR: 26.74%* Variable

    Bonus Offers

    Earn a new account bonus worth $100! Earn 10,000 bonus points which can be redeemed for $100 cash back, simply spend $1,000 within 90 days of opening your account.

    Intro APR

    • 0% Introductory APR on Balance Transfers for your first 12 billing cycles after the account is opened.
  • Additional Information
    • 3% cash back at restaurants and 2% cash back on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
    • 1% unlimited cash back on all other purchases
    • Earn a new account bonus worth $100! Earn 10,000 bonus points which can be redeemed for $100 cash back, simply spend $1,000 within 90 days of opening your account
    • 0% Introductory APR on Balance Transfers for your first 12 billing cycles after the account is open, then your variable APR will be 15.74% to 24.74% based on your creditworthiness
    • No international transaction fees on credit purchases
    • No Annual Fee
    • Click apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information and Rewards Details

Rewards:

  • 3% cash back at restaurants, 2% cash back on gas, 2% cash back at grocery and drug stores (on up to $1,500 in combined spending per quarter).
  • 1% unlimited cash back on all other purchases.

Sign-up bonus: Earn a new account bonus worth $100! Earn 10,000 bonus points which can be redeemed for $100 cash back, simply spend $1,000 within 90 days of opening your account.

Annual fee: $0.

APR: 0% Introductory APR on Balance Transfers for your first 12 billing cycles after the account is opened, and then the ongoing APR of 15.74% - 24.74% Variable APR.

Deductible: $50.

Cell phone insurance: The TRIO® Credit Card from Fifth Third Bank rewards everyday expenses and earns a high rewards rate at restaurants. It offers a cell phone insurance benefit as supplemental coverage when you use the card to pay your monthly cell phone bill. This card covers the amount your insurance won’t up to $200 per claim, with a maximum of two claims and $400 per 12-month period. Terms apply.

» MORE: Review of the TRIO® Credit Card from Fifth Third Bank

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