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Home » Credit Cards » How to get free cell phone insurance with a credit card
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How to get free cell phone insurance with a credit card

Miles June 18, 2022 7 Comments
MMMondayMemo

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Your 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…many Mastercards that are branded World and World Elite offer some kind of cell phone insurance. That’s amazing!

Whether you have a Capital One Venture X, 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!

Miles Credit Cards

Credit Cards that offer Free Cell Phone Insurance

BankCard NameCoverageEarn RateAnnual Fee
American ExpressPlatinum and Black Card both personal and business$800 per claim, $50 deductible and max of 2 per year1x Personal Plat = $695
Business Plat = $695
Black = $5k
BarclayBilt Mastercard World Elite$800 per claim, $50 deductible, $1k max/ 2 claims per year1xNo annual fee
BarclayAmerican Airlines Aviator Red$800 per claim, $50 deductible, $1k max/ 2 claims per year1x$99 annual fee
Capital OneCapital One Venture X$800 per claim, $50 deductible, 2 claims per year, 2x$395
Capital OneCapital One Spark Cash Plus$800 per claim, $50 deductible, 2 claims per year, $1k max per year1x$0
ChaseFreedom Flex$800 per claim, $50 deductible, 2 claims per year, $1000 max1xNo Annual Fee
ChaseInk Business Preferred$600 per claim, $100 deductible, $1800 per year3x$95
CitiPrestige$1000 per claim, $50 deductible, $1500 max per year1x$495
Mastercard WorldSome of them$600 per claim, $50 deductible, and $1200 max per yearvariesvaries
Mastercard World EliteSome of themRoughly...$1000 per claim, $50 deductible, $1500 maxvariesvaries ( Freedom Flex is no Annual Fee and has coverage )
SofiMoney Debit$200 per claim, $25 deductible, and 2 claims per year$0
US BankPlatinum Card$600 per claim, $25 deductible, and $1200 per yearno annual fee
Wells FargoCoverage on all of their consumer cards$600 per claim, $25 deductible, and $1200 per yearvariesvaries

 

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Miles

This Monkey didn't get the name Miles for nothing. I might look like an innocent little furball, but I am a Points and Awards BEAST!! Follow me around the world to see how I fly in lie flat seats and sleep in 5* suites for pennies on the dollar.

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7 Comments

  1. Thomas Reply
    June 25, 2022 at 1:42 pm

    Amex Bus Platinum’s coverage is “secondary,” which I learned only after filing a claim and jumping through many hoops. They wanted me to file a claim first with my Allstate Homeowners Insurance, which made no sense at all for filing a claim for a stolen phone because my policy premium would have jumped $500 a year starting with my renewal. Ridiculous.

  2. Fathiss Reply
    June 18, 2022 at 5:38 pm

    How is the coverage free when the Amex Plat charges a $695 fee? You pay for the coverage as part of the fee!
    This is deceptive as any practice that states something is free but you have to pay money in some way to get it.
    That’s not the definition of free.

  3. SMR Reply
    June 18, 2022 at 6:46 am

    I’m pretty sure chase doesn’t back Capital One cards. Also , the Venture X has a 2x earning rate. I’m not sure any of that chart is accurate. Make sure you check your own cards terms.

  4. derek Reply
    May 21, 2021 at 2:45 pm

    How to get the coverage? Buy the phone with the credit card that offers it?

    I am on my 4th smartphone. The battery has been the problem in the past in all the smartphones though a loose charging port was also a problem in one. I have gotten 3-4 years out of them. The phone with 4 years, it was limping the last year.

  5. Drew Reply
    October 30, 2017 at 5:54 pm

    My son broke an iPhone 6s. Apple Store charged 300 to replace it. Insurance through Chase reimbursed 200 of it.

  6. Kit Flyer Reply
    October 30, 2017 at 4:31 pm

    Ha! I got a Samsung S5 a few years ago during Best Buy’s Thanksgiving Friday sale. It cost 1 cent plus $35 activation fee. And I had to re-up my 2-year ATT plan, which I was going to do anyway.
    My phone broke, Chase Ink reps said I was covered, the check was going to be for $35.01 b/c that was the charge on the card. I thanked them but told them not to bother.

  7. Pingback: Got an American Express Platinum Card? Here are 13 things you should do immediately - Monkey Miles

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