How To Get Free Cell Phone Insurance With Credit Cards [2023] How To Get Free Cell Phone Insurance With Credit Cards [2023]

How To Get Free Cell Phone Insurance With Credit Cards [2023]

by Jess Farley and Ryan Smith
September 21, 2023
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The mighty smartphone. That beautiful, soft, blue-white glow that is a cure-all for bored kids on the plane. It can translate the indecipherable foreign road sign in front of us and records our most intimate travel moments through the burgeoning art of the “selfie.”

It's also a fragile $600+ packet of electronics that mimics buttered toast (always landing screen down when it falls), doesn’t get on with us very well when we’ve been drinking, is a target for modern-day pickpockets, and, unlike our children, will not cry and yell when we leave it behind. That makes your phone quite easy to misplace.

Thankfully, credit card companies have caught on to the value we place on our phones, with several banks now offering free cell phone protection as a credit card benefit.

Get Free Cell Phone Protection With Your Credit Card

From the major credit card providers, American Express, Barclays, Capital One, Chase, U.S. Bank, and Wells Fargo now offer cell phone protection as a credit card benefit on select cards. The coverage is dependent on paying the cell phone's monthly bill with the applicable credit card. In some cases, the policy will cover more than one phone.

Cracked Screen on Dropped Phone

The terms differ for each provider, and we'll cover these in detail below for Barclays, Capital One, Chase, and Wells Fargo. Across the board, phones need to be purchased new, and coverage typically starts after payment of an entire monthly bill. Coverage is suspended when you miss a payment using the card.

For U.S. Bank terms, see here: U.S. Bank Cell Phone Cover Terms.

American Express Credit Card Cell Phone Protection

The cell phone protection offered by American Express covers not just theft and damage but also screen damage.

What cards are included?

The following cards provide coverage. However, there may be other cards that provide this coverage.

Claims are subject to:

  • A $50 deductible
  • Maximum two claims per 12 months
  • Limited to $800 per claim, $1,600 per 12 months

The insurance is a secondary (“excess”) policy. That means you may need to prove you don't have other coverage (such as cell phone insurance programs, home insurance, car insurance, etc.) or have exhausted those before claims are processed.

What isn’t covered?

  • Eligible Cellular Wireless Telephone accessories other than the standard battery and standard antenna provided by the manufacturer,
  • Eligible Cellular Wireless Telephones purchased for resale or for professional or commercial use. Exclusion applies for Consumer card accounts only,
  • Eligible Cellular Wireless Telephones that are lost or Mysterious Disappearance,
  • Eligible Cellular Wireless Telephones under the care and control of a common carrier, including, but not limited to, the U.S. Postal Service, airplanes or delivery service,
  • Eligible Cellular Wireless Telephones which have been rented, leased, borrowed, or Cellular Wireless Telephones that are received as part of a pre-paid plan.
  • Cosmetic damage (i.e. superficial abrasions or scuffs) to the Eligible Cellular Wireless Telephone or damage that does not impact the Eligible Cellular Wireless Telephone’s ability to make or receive phone calls.
  • Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion, or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects or vermin.
  • Damage or theft resulting from misdelivery or voluntary parting from the Eligible Cellular Wireless Telephone.
  • Replacement Eligible Cellular Wireless Telephone(s) purchased from anyone other than a cellular service provider’s retail or internet store that has the ability to initiate activation with the cellular service provider.
  • Taxes, delivery or transportation charges or any fees associated with the service provided.
  • Losses covered under a warranty issued by a manufacturer, distributor, or seller.

Claims need to be made within 90 days of the incident. Notify the Benefit Administrator at 833-784-1467. You have 120 days from the incident to return all the required paperwork.

a woman sits at a kitchen table while making a phone call

Barclays Credit Card Cell Phone Protection

The cell phone protection offered on the Wyndham Rewards® Earner℠ Business Card covers theft of or damage to your cell phone. Whether this will be rolled out to other Barclays cards is anyone's guess, but we hope to see this feature on other Barclays products.

What cards are included?

At this stage, we only see one Barclays card that carries cell phone coverage as a benefit.

Claims are subject to:

  • A $50 deductible
  • Maximum two claims per 12 months
  • Limited to $600 per claim, $1,200 per 12 months

The insurance is a secondary policy.

What isn’t covered?

  • Eligible Cellular Wireless Telephone accessories other than the standard battery and standard antenna provided by the manufacturer;
  • Eligible Cellular Wireless Telephones that are lost or Mysteriously Disappear;
  • Eligible Cellular Wireless Telephones under the care and control of a common carrier, including, but not limited to, the U.S. Postal Service, airplanes or delivery service;
  • Eligible Cellular Wireless Telephones Stolen from baggage unless hand-carried and under the Eligible Person’s supervision or under the supervision of the Eligible Person’s traveling companion who is previously known to the Eligible Person;
  • Eligible Cellular Wireless Telephones Stolen from a construction site;
  • Eligible Cellular Wireless Telephones which have been rented or leased from a person or company other than a cellular provider;
  • Eligible Cellular Wireless Telephones which have been borrowed;
  • Eligible Cellular Wireless Telephones that are received as part of a pre-paid plan;
  • Cosmetic damage to the Eligible Cellular Wireless Telephone or damage that does not impact the Eligible Cellular Wireless Telephone’s ability to make or receive phone calls (including minor screen cracks and fractures less than 2 inches in length that do not prevent the ability to make or receive phone calls or to use other features related to making or receiving phone calls);
  • Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects or vermin;
  • Damage or theft resulting from mis-delivery or voluntary parting from the Eligible Cellular Wireless Telephone;
  • Replacement of Eligible Cellular Wireless Telephone(s) purchased from anyone other than a cellular service provider’s retail or internet store that has the ability to initiate activation with the cellular service provider;
  • Taxes, delivery or transportation charges or any fees associated with the service provided; and
  • Losses covered under a warranty issued by a manufacturer, distributor or seller.

Claims need to be made within 90 days of the incident. Notify the Benefit Administrator at 844-252-7831. You have 120 days from the incident to return all the required paperwork.

Capital One Venture X and Venture X Business Cell Phone Protection

The cell phone protection offered on the Capital One Venture X covers “theft, damage, or involuntary and accidental parting” of your phone. However, “Electronic issues, such as inability to charge, mechanical or battery failure, where there is no evidence of physical damage, are not covered under this program.”

What cards are included?

At this stage, we only see two Capital One cards offering cell phone coverage as a benefit.

Claims are subject to:

  • A $50 deductible
  • Maximum two claims per 12 months
  • Limited to $800 per claim and $1,600 per 12 months (Capital One Venture X) or $1,000 per 12 months (Venture X Business)

The insurance is a secondary policy. It can be used to get reimbursement for the deductible you paid to your primary provider.

What isn’t covered?

  • Cell phone accessories other than standard battery and/or standard antenna provided by the manufacturer.
  • Cell phones purchased for resale, professional, or commercial use.
  • Cell phones that are lost or “mysteriously disappear,” meaning that the phone vanished in an unexplained manner without evidence of a wrongful act by a person or persons.
  • Cell phones under the care and control of a common carrier (including, but not limited to, the U.S. Postal Service, airplanes, or delivery service).
  • Cell phones stolen from baggage unless hand-carried and under Your personal supervision, or under supervision of Your traveling companion.
  • Cell phones which have been rented, borrowed or are part of pre-paid or “pay as you go” type plans.
  • Cosmetic damage to the cell phone or damage that does not impact the cell phone’s capabilities and functionalities.
  • Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion, or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects.
  • Damage or theft resulting from misdelivery or voluntary parting with the cell phone.
  • Taxes, delivery and transportation charges, and any fees associated with the cellular wireless service provider • Losses caused by or resulting from a Cyber Incident.

Claims need to be made within 60 days of the incident. Notify the Benefit Administrator at 844-288-2140. You have 90 days from the incident to return all the required paperwork.

a man talks on a phone
Credit: Hassan Ouajibir/Unsplash

Chase Ink Preferred Cell Phone Protection

The Ink Preferred has a cell phone protection policy that will reimburse cardholders for “damage to, theft of, or involuntary and accidental parting” for eligible cell phones that are recorded on your cell phone provider's monthly billing statement for the cycle prior to the incident taking place.

Claims are subject to:

  • A $100 deductible
  • Maximum three claims per 12 months
  • Limited to $600 per claim, $1,800 per 12 months

The insurance is a secondary policy, so cardholders will likely need to prove the phone is not covered under another policy first.

IMPORTANT: Remember this coverage is not limited to the cellular phone of the primary cardholder. Per the coverage: “Eligible Cellular Wireless Telephones are the lines listed on Your most recent cellular provider’s monthly billing statement for the billing cycle prior to when the incident occurred.” Additionally, coverage applies if you've purchased the phone with any credit card; just make sure you have the receipt in case you need to file a claim. Make sure all the phones are paid for and are on a single wireless bill being paid for with your Ink Preferred and you're covered.

What isn’t covered?

  • Cellular wireless telephone accessories other than standard battery and/or standard antenna provided by the manufacturer. • Cellular wireless telephone purchased for resale.
  • Cellular wireless telephones that are lost or “mysteriously disappear.” “Mysterious disappearance” means the vanishing of an item in an unexplained manner where there is absence of evidence of a wrongful act by a person or persons.
  • Cellular wireless telephone under the care and control of a common carrier (including, but not limited to, U.S. Postal Service, airplanes, or delivery service).
  • Cellular wireless telephone stolen from baggage unless hand-carried and under Your personal supervision, or under the supervision of Your traveling companion who is previously known to You.
  • Cellular wireless telephone which has been rented, borrowed or cellular wireless telephones that are received as part of a pre-paid wireless service plan or “pay as you go” type service plans.
  • Cosmetic damage to the cellular wireless telephone or damage that does not impact the cellular wireless telephone’s capabilities and functionalities of the phone.
  • Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion, or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects.
  • Damage or theft resulting from misdelivery or voluntary parting with the cellular wireless telephone.
  • Replacement cellular wireless telephone not purchased from a cellular service provider’s retail or Internet store, (for example: Verizon Wireless, Sprint Wireless, etc.) or from an authorized cellular phone retailer.
  • Taxes, delivery and transportation charges, and any fees associated with the cellular service provider.
  • Electronic issues, such as inability to charge, mechanical or battery failure, where there is no evidence of physical damage.

Claims need to be made within 60 days of the incident and all paperwork filed within 90 days. You will need copies of your credit card statement showing the monthly bill payments for the phone, the monthly statement from your phone provider, the original receipt for the replacement phone, a police report if necessary, and a completed and signed claim form.

You can find the terms and conditions detailed in the Ink Preferred Benefits Guide.

a person repairs electronics inside a smart phone
Credit: Tima Miroshnichenko/Pexels

Chase Freedom Flex Cell Phone Protection

The Freedom Flex offers a different policy from Chase, which becomes active on the first of the calendar month after you pay yoru wireless bill with your card. This policy covers replacing or repairing a stolen or damaged phone

Claims are subject to:

  • A $50 deductible
  • Maximum two claims per 12 months
  • Limited to $800 per claim, $1,000 per 12 months

What isn’t covered?

  • Eligible Cellular Wireless Telephone accessories other than the standard battery and standard antenna provided by the manufacturer.
  • Eligible Cellular Wireless Telephones purchased for resale or for professional or commercial use.
  • Eligible Cellular Wireless Telephones that are lost or
    Mysteriously Disappear.
  • Eligible Cellular Wireless Telephones under the care and control of a common carrier, including, but not limited to, the U.S. Postal Service, airplanes, or delivery service.
  • Eligible Cellular Wireless Telephones Stolen from baggage unless hand-carried and under the Eligible Person’s supervision or under the supervision of the Eligible Person’s traveling companion who is previously known to the Eligible Person.
  • Eligible Cellular Wireless Telephones Stolen from a construction site.
  • Eligible Cellular Wireless Telephones which have been rented or leased from a person or company other than a cellular provider.
  • Eligible Cellular Wireless Telephones which have been borrowed.
  • Eligible Cellular Wireless Telephones that are received as part of a pre-paid plan.
  • Cosmetic damage to the Eligible Cellular Wireless Telephone or damage that does not impact the Eligible Cellular Wireless Telephone’s ability to make or receive phone calls (including minor screen cracks and fractures less than 2 inches in length that do not prevent the ability to make or receive phone calls or to use other features related to making or receiving phone calls).
  • Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion, or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects or vermin.
  • Damage or theft resulting from misdelivery or voluntary parting from the Eligible Cellular Wireless Telephone.
  • Replacement of Eligible Cellular Wireless Telephone(s) purchased from anyone other than a cellular service provider’s retail or internet store that has the ability to initiate activation with the cellular service provider.
  • Taxes, delivery or transportation charges, or any fees associated with the service provided.
  • Losses covered under a warranty issued by a manufacturer, distributor, or seller.

Claims need to be made within 90 days of the incident and all paperwork filed within 12 days. You'll need to provide your credit card statement showing the monthly bill payments for the phone, the monthly statement from your phone provider, the original receipt for the replacement phone (if applicable), a police report if necessary, and a completed and signed claim form.

a person looks at their smart phone
Credit: John Tuesday/ Unsplash

Wells Fargo Consumer Credit Card Cell Phone Protection

The Cellular Telephone Protection policy offered by Wells Fargo is available across a number of personal credit cards and covers up to four cell phones listed on your wireless cell phone bill, covering damage or theft but not phones that are lost. The policy doesn't cover business or debit cards.

What cards are included?

The following cards provide coverage. However, there may be other cards that provide this coverage not listed.

Claims are subject to:

  • A $25 deductible
  • Maximum 2 claims per 12 months
  • Limited to $600 per claim, $1,200 per 12 months

The insurance is a secondary policy, so cardholders may need to prove the phone is not covered under another policy before claims are processed.

What isn’t covered?

  • Cellular Wireless Telephone accessories other than standard battery and/or standard antenna provided by the
    manufacturer.
  • Cellular Wireless Telephones purchased for resale, professional, or commercial use.
  • Cellular Wireless Telephones that are lost or “mysteriously disappear.” “Mysterious disappearance” means the vanishing of an item in an unexplained manner where there is absence of evidence of a wrongful act by a person or persons.
  • Cellular Wireless Telephones under the care and control of a common carrier (including, but not limited to, U.S. Postal
    Service, airplanes, or delivery service).
  • Cellular Wireless Telephones stolen from baggage unless hand-carried and under Your personal supervision, or under the supervision of Your traveling companion who is previously known to You.
  • Cellular Wireless Telephones stolen from a construction site.
  • Cellular Wireless Telephone which has been rented, leased or borrowed or Cellular Wireless Telephones that are
    received as part of a pre-paid plan.
  • Cosmetic damage to the Cellular Wireless Telephone or damage that does not impact the Cellular Wireless Telephone’s
    ability to make or receive phone calls.
  • Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion, or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects or vermin.
  • Damage or theft resulting from misdelivery or voluntary parting with the Cellular Wireless Telephone.
  • Replacement Cellular Wireless Telephone not purchased from a cellular service provider’s retail or Internet store.
  • Taxes, delivery and transportation charges and any fees associated with the service provider.

Claims need to be made within 60 days of the incident and all paperwork filed within 90 days. You will need copies of your credit card statement showing the monthly bill payments for the phone, the monthly statement from your phone provider, the original receipt for the replacement phone (if applicable), a police report if necessary, and a completed and signed claim form. You can start the claims process by calling 866-804-4770.

You can find the terms and conditions detailed in the Wells Fargo Cellular Telephone Protection Guide to Benefits (warning: PDF).

Bottom Line

The Wells Fargo and Barclays policies have the lower deductible at $25, but the Wells Fargo policy doesn’t cover accidental loss of the phone, which is one of the main reasons people want cell phone protection from a credit card.

The coverage on the Ink Preferred has a higher deductible at $100, will cover you when you leave your phone behind, and you can claim up to three times per year, which includes a lot of lost phones. Another big plus for the Ink Preferred is you will earn 3x Ultimate Rewards points on telephone spending (on up to $150,000 of bonus category spending annually), which equates to a roughly 6% return — the highest rate of return for any card on this list. The Capital One Venture X also covers “accidental parting” for up to $800 per claim and has only a $50 deductible, though the rate of return on spending is lower.

It’s awesome to see credit card companies taking note of changes in consumer behavior, adjusting credit card benefits to suit. If you’ve had any experience making a claim for a phone with any of the providers above, we’d love to hear from you in the comments.

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Comments

  • August 27, 2023 at 3:41 am
    MC says:

    Also CapitalOne VentureX has cell phone protection too

  • March 28, 2023 at 6:30 pm
    HairyGodFather says:

    Uber card discontinued in 2020. hardly ‘new’

  • March 23, 2021 at 11:22 pm
    Valeria says:

    Does it mean that if I purchased a refurbished phone from Amazon, it won’t be covered by any card?

    • March 24, 2021 at 6:13 pm
      JT Genter says:

      I’d check the terms and conditions, but it seems most policies require buying a new phone.

  • March 23, 2021 at 4:41 pm
    Jason says:

    Does my entire bill have to be paid with my credit card to get this coverage? I get some credits from some Amex Biz cards for $10-15 each card, so I pay those $10-15 per card and then want to pay the rest of my bill with a card that has phone coverage. Would my insurance still kick in?

    • April 5, 2021 at 1:00 pm
      JT Genter says:

      Generally yes, you need to pay your entire bill with the eligible card to be covered. Browsing through a couple of the claim forms, the bank requires that you provide your cell phone bill with a claim.

      That said, in my case, I’m utilizing the monthly credits. I’d rather save the cash now than have the coverage. But, it’s easier for me to make this decision since my phone is a couple of years old now.

  • March 13, 2021 at 11:51 pm
    Justin D. says:

    This write-up is missing a better option than every card listed: REI’s World Mastercard.

    “Damage or theft of your eligible cellphone, up to $800 per claim, 2 claims per year, with a $50 deductible, up to $1,000 per 12-month period, is included with this no-cost benefit.”

    The only requirement is to pay your phone plan with the REI World Mastercard each month. Your insurance benefits start as soon as your bill reflects that you’re paying it with the card. Set it up on AutoPay and forget about it.

    I have personally had to use a claim already and it was SUPER EASY. I was paid within 2 weeks of submitting the paperwork. Cannot recommend it, enough.

    • March 15, 2021 at 1:56 pm
      JT Genter says:

      Thanks for the heads up on that! We will confirm and add it to the list on our next update.

  • October 17, 2020 at 10:25 am
    Bob says:

    Just got this type of coverage from Banana Republic credit card. Does it provide coverage for a cracked screen, even tho it does not affect the functionality of the phone?

  • December 11, 2019 at 3:45 pm
    amyleeb5@aol.com says:

    ..

    Any email will work I just need to know which one. Glad to know this piece of information because I am going to need it.

  • December 31, 2018 at 1:19 pm
    Lenny says:

    Been looking for this thanks a lot

  • August 19, 2018 at 1:43 pm
    naf says:

    Maybe someone can help me cause I’m getting the run around. I’m part of a group plan and only pay my portion of the bill, will I have coverage from any of these cards?

    • August 19, 2018 at 2:00 pm
      Howie Rappaport says:

      If you are paying a friend/family member and are not paying the mobile phone provider directly, no, you will not.

      If your family member pays the bill and pays using one of these credit cards, as he/she is ultimately responsible for all the lines, yes, you (well he/she) would be eligible. Makes sense?

  • July 19, 2018 at 3:23 pm
    m says:

    Correct me if I’m wrong, but “secondary” coverage might kick in even if you have other primary coverage, as long as the deductible on that primary coverage (e.g. a renter’s insurance) is more than the deductible on the secondary coverage.

  • April 3, 2018 at 9:54 pm
    Mary Cunard says:

    This coverage provided is stated as secondary. Does this mean I HAVE to have some type of other insurance as well? Or can this be my sole coverage?

  • November 21, 2017 at 11:15 am
    Lucas says:

    I just filed a claim for the Chase Ink Business Preferred coverage, here are a few things to know:

    – You need to say your incident was within the last 90 days.
    – The incident should be an accident, and not damaged on purpose
    – I had the option to select whether they reimburse me via Check or Debit Card, I selected Check

    – You’ll need (4) pieces of documentation:
    1) Your last month’s credit card statement showing that you used it to pay for your cell phone bill
    2) A written estimate of the damage repair costs from a local repair shop (try https://www.cellphonerepair.com/
    3) Your last month’s cell phone bill
    4) A screenshot of your cell phone carriers website showing the phone, with it’s IMEI number, and cell number

    The coverage is for $600, and I broke the back and front glass of my Galaxy S8 and also caused some pretty significant scratching to the outer metal frame of the phone. I expect the damage to be every bit of $600.

  • October 28, 2017 at 9:17 am
    Grannyofthree says:

    I pay our Verizon bill monthly with my wells Fargo credit card, but I am not the primary line homder, my adult daughter is. It says up to 3 other lines have coverage, but doesn’t specifically say if it has to be paid by the primary account holders card, or simply a additional line users card. I’m afraid to ask them now, because I need to file a claim. Any ideas?

  • October 23, 2017 at 11:58 pm
    Air Flyer says:

    Interesting info.

  • September 3, 2017 at 6:24 am
    James says:

    If you lose your iPhone 7 what would the charge for the replacement (refurbished) be…. more than 600.00?

  • July 16, 2017 at 5:34 pm
    bob says:

    I had worst experience with Wells Fargo card benefits services. My phone died mysteriously while it was on charging. There was no physical damage. I got it troubleshooted with certified repair shop and as per them it was complete loss of phone due to motherboard chipset burned off.

    The claimed was not approved with reason it’s device fault. Since my phone was 2 year old the manufacturer warranty was already expired and I had to bare the 700$ phone cost + lost of data

    • July 17, 2017 at 10:29 am
      Howie Rappaport says:

      That response is surprising, and something I wouldn’t be typical of an experience most consumers would have. I would have contacted card benefit services first and asked what to do to follow a proper claim — perhaps they have a process you should specifically follow that wasn’t done?

    • August 26, 2017 at 4:59 pm
      Leigh says:

      I specifically read that Wells Fargo didn’t cover electronic failure so that’s something I think should be covered

  • December 9, 2016 at 12:46 pm
    Daniel says:

    thanks for the tip but I don’t have business card~~

  • December 8, 2016 at 7:00 pm
    Chris says:

    Even if not specifically for phones, always good to remember the regular purchase insurance (loss, theft) or warranty extension that many cards provide if you charged it to your card.

  • December 8, 2016 at 10:58 am
    Jimmy says:

    **grumble grumble** 5/24 **grumble grumble**

  • December 8, 2016 at 10:53 am
    P says:

    It’s unfortunate that only these two cards.

    • December 8, 2016 at 1:53 pm
      Howie Rappaport says:

      An entire line of Wells Fargo personal cards offer the protection and typically have no annual fees. Possibly worthwhile to open solely for that if you can find a decent bonus to go with it. Especially only for the $25 deductible.

  • December 8, 2016 at 7:10 am
    Charles Cummings says:

    Does someone have an experience of actually filing a claim? When I tried to file a claim for a computer a couple years ago, it was such a huge pain (Citi wanted an estimate of what it would take to get it fix and Best Buy wouldn’t give me one….).

    • December 8, 2016 at 11:53 am
      Howie Rappaport says:

      I’ve filed claims previously on small electronics with Amex and Chase and have had no problems — I have a feeling it is a combination of the person working your case and your specific circumstance which would play out how things go.

  • December 7, 2016 at 4:01 pm
    marc says:

    great coverage

  • December 7, 2016 at 1:50 pm
    panka121 says:

    good to know!

  • December 7, 2016 at 10:18 am
    Paul says:

    Free coverage is a great perk!

  • December 7, 2016 at 3:08 am
    ADAM PARSONS says:

    Wish I had known about this, recently smashed the iPhone.

  • December 7, 2016 at 12:01 am
    RMK says:

    This Chase benefit is pretty great. Almost makes me wish I didn’t have Ink Plus.

  • December 6, 2016 at 8:48 pm
    Jinyoung Park says:

    This is really interesting! I’ll definitely keep this in mind when I am in the market for a new card.

  • December 6, 2016 at 4:33 pm
    Jacob says:

    Would love to see this offered on Chase’s premium consumer cards like the Sapphire Reserve.

  • December 6, 2016 at 3:51 pm
    Valerie says:

    Thanks for the tip! I had no idea that cell phone insurance was included with these cards. Good to know!

  • December 6, 2016 at 3:49 pm
    Leah Sobel says:

    Pretty high deductibles

    • December 6, 2016 at 5:35 pm
      Howie Rappaport says:

      At $100, I agree. But to have it cover an unlimited amount of phones and the ability to use it 3x in a year — seems like a decent enough deal. Especially for a business which is likely to use the coverage.

    • December 7, 2016 at 8:59 pm
      Dave Bailey says:

      Considering the value of a new phone could be up to $600, paying $100 for a replacement isn’t bad. Especially if that insurance doesn’t really cost you anything directly.

  • December 6, 2016 at 3:00 pm
    JL says:

    Wow I didn’t know cell phone insurances existed on credit cards.
    Thanks for the useful info!

  • December 6, 2016 at 2:20 pm
    Cathie says:

    I was excited to see that my chase card could cover cell phone insurance. I must say that I was disappointed when I saw the $600 deductible. There are cheaper plans out there, so probably wouldn’t go for this offer. Good to know though!

  • December 6, 2016 at 2:09 pm
    DaWoodMan1 says:

    The Ink Business Preferred card is so good. I’m going to have to find a way to get pre-approved for it at a Chase branch, even though I’m way over 5/24! Applying at a branch worked for me with the Sapphire Reserve even though I was way over 5/24 then too.

  • December 6, 2016 at 2:08 pm
    AD says:

    Good to know, thanks.

  • December 6, 2016 at 1:45 pm
    Peggy says:

    Very useful information. I will look into this.

  • December 6, 2016 at 1:02 pm
    RD says:

    The Ink Plus doesn’t have this insurance though right?

  • December 6, 2016 at 11:18 am
    Jack says:

    Any way to do an account change from the ink plus to ink preferred and get the signup bonus?

  • December 6, 2016 at 10:30 am
    MAHOMED J says:

    thanks for the great article.

  • December 6, 2016 at 10:11 am
    ANISA says:

    GREAT ARTICLE . THANK YOU

  • December 6, 2016 at 9:10 am
    Robin Gronsky says:

    This is good to know. Thank you for the information.

  • December 6, 2016 at 8:41 am
    eniko says:

    thanks for this informative report.

  • December 6, 2016 at 6:34 am
    Brian G. says:

    Thanks for the tip.