We may receive a commission when you use our links. Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. We appreciate you using our links!!!

---

It may seem too good to be true, but it isn’t. You credit card may give you free cell phone insurance

When this post was first written the Chase Ink Business Preferred was one of the only cards to offer cell phone insurance as a perk of the card. Now…there are so many that you need a chart to keep track! Luckily…Miles is a whiz at chart making and whipped up this bad boy to make things a little simpler for you. This is an overview of the various cards on the market that offer free cell phone insurance as a perk of card membership. While most are affiliated with banks specifically…most Mastercards that are branded World and World Elite offer some kind of cell phone insurance. That’s amazing! Whether you have an Amex Platinum, a Chase Freedom Flex, or a Chase Ink Business Preferred, make sure you’re making use of the perks that a free to you with your cards!

*note…there are exclusions to any coverage and make sure you understand the terms and conditions

Our Favorite Credit Cards – updated monthly!

Credit Cards that offer Free Cell Phone Insurance

Bank	Card Name	Coverage	Earn Rate	Extras	Annual Fee
American Express	Platinum and Black Card both personal and business	$800 per claim, $50 deductible and max of 2 per year	1x ( limited time on some Business Platinum of 5x )	Cover Screen cracks as well	Personal Plat = $550 Business Plat = $595 Black = $5k
American Express	Delta Platinum and Reserve, both personal and business	$800 per claim, $50 deductible and max of 2 per year	1x	Cover Screen cracks as well	Platinum = $250 Reserve = $550
Barclay	American Airlines Aviator Red	$800 per claim, $50 deductible, $1k max/ 2 claims per year	1x		$99 annual fee
Barclay	Uber Visa	$800 per claim, $50 deductible, $1k max/ 2 claims per year	1x		No longer available to new applicants
Chase	Freedom Flex	$800 per claim, $50 deductible, 2 claims per year, $1000 max	1x		No Annual Fee
Chase	IHG Rewards Club Premier	$800 per claim, $50 deductible, 2 claims per year, $1k max	1x		$89
Chase	IHG Rewards Club Select	$600 per claim, $50 deductible, 2 claims per year, $1k max	1x		$49
Chase	IHG Rewards Club Traveler	$600 per claim, $50 deductible, 2 claims per year, $1k max	1x		No Annual Free
Chase	Ink Business Preferred	$600 per claim, $100 deductible, $1800 per year	3x		$95
Citi	Prestige	$1000 per claim, $50 deductible, $1500 max per year	1x		$495
Mastercard World	Nearly all of them	$600 per claim, $50 deductible, and $1200 max per year	varies		varies
Mastercard World Elite	Nearly all of them	Roughly...$1000 per claim, $50 deductible, $1500 max	varies		varies ( Freedom Flex is no Annual Fee and has coverage )
Sofi	Money Debit	$200 per claim, $25 deductible, and 2 claims per year			$0
US Bank	Platinum Card	$600 per claim, $25 deductible, and $1200 per year			no annual fee
Wells Fargo	Coverage on all of their consumer cards	$600 per claim, $25 deductible, and $1200 per year	varies		varies