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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!
*note…there are exclusions to any coverage and make sure you understand the terms and conditions
|Bank||Card Name||Coverage||Earn Rate||Annual Fee|
|American Express||Platinum and Black Card both personal and business||$800 per claim, $50 deductible and max of 2 per year||1x||Personal Plat = $695
Business Plat = $695
Black = $5k
|Barclay||Bilt Mastercard World Elite||$800 per claim, $50 deductible, $1k max/ 2 claims per year||1x||No annual fee|
|Barclay||American Airlines Aviator Red||$800 per claim, $50 deductible, $1k max/ 2 claims per year||1x||$99 annual fee|
|Capital One||Capital One Venture X||$800 per claim, $50 deductible, 2 claims per year,||2x||$395|
|Capital One||Capital One Spark Cash Plus||$800 per claim, $50 deductible, 2 claims per year, $1k max per year||1x||$0|
|Chase||Freedom Flex||$800 per claim, $50 deductible, 2 claims per year, $1000 max||1x||No Annual Fee|
|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||Some of them||$600 per claim, $50 deductible, and $1200 max per year||varies||varies|
|Mastercard World Elite||Some 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|
Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers.
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