Page Contents<\/p>
- Get Free Cellular Telephone Protection\u00a0With Your Credit Card<\/a><\/li>
- American Express Credit Card Cell Phone Protection<\/a>
- What cards are included?<\/a><\/li>
- Claims are subject to:<\/a><\/li>
- What isn\u2019t covered?<\/a><\/li><\/ul><\/li>
- Capital One Venture X and Venture X Business Cell Phone Protection<\/a>
- What cards are included?<\/a><\/li>
- Claims are subject to:<\/a><\/li>
- What isn\u2019t covered?<\/a><\/li><\/ul><\/li>
- Chase Ink Preferred Cell Phone Protection<\/a>
- Claims are subject to:<\/a><\/li>
- What isn\u2019t covered?<\/a><\/li><\/ul><\/li>
- Chase Freedom Flex Cell Phone Protection<\/a>
- Claims are subject to:<\/a><\/li>
- What isn\u2019t covered?<\/a><\/li><\/ul><\/li>
- TD Bank Visa Platinum and Signature Card Cell Phone Protection<\/a>
- What cards are included?<\/a><\/li>
- Claims are subject to:<\/a><\/li>
- What isn\u2019t covered?<\/a><\/li><\/ul><\/li>
- Wells Fargo Consumer Credit Card Cell Phone Protection<\/a>
- What cards are included?<\/a><\/li>
- Claims are subject to:<\/a><\/li>
- What isn\u2019t covered?<\/a><\/li><\/ul><\/li>
- What Is the Best Card for Cell Phone Insurance?<\/a><\/li><\/ul><\/div>\n\n
Get Free Cellular Telephone Protection\u00a0With Your Credit Card<\/span><\/h2>\n
American Express, Capital One, Chase, TD Bank, U.S. Bank, and Wells Fargo offer cell phone protection as a benefit on select cards. Generally, you activate this coverage simply by paying your monthly cell phone bill with an eligible credit card \u2014 and some card issuers cover multiple phones on the same plan.<\/p>\n
- \n
- American Express<\/strong> added cell phone protection to several premium cards in 2021<\/a>, providing up to $800 per claim, with a maximum of two claims per year, an annual limit of $1,600, and a $50 deductible per claim. <\/li>\n
- Capital One<\/strong> offers cell phone protection on the Capital One Venture X Rewards Credit Card<\/a> and the Capital One Venture X Business<\/a>. These cards provide up to $800 per claim, with a maximum of two claims within a 12-month period and a $50 deductible for each claim.<\/li>\n
- Chase<\/strong> offers cell phone protection on select cards, including the Ink Business Preferred\u00ae<\/sup> Credit Card<\/a> (Rates & Fees<\/a>) and the Chase Freedom Flex\u2120<\/a>. The Ink Preferred covers up to $1,000 per claim, allowing up to three claims per year, with a $100 deductible. The Freedom Flex provides up to $800 per claim, with a $1,000 annual limit across two claims and a $50 deductible per claim.<\/li>\n
- TD Bank<\/strong> includes cell phone protection on Visa Platinum and Signature-branded cards like the TD Double Up\u2120 Credit Card<\/a>. Coverage amounts to $500 per claim, with a maximum of two claims and $1,000 in coverage per 12-month period. Each claim is subject to a $50 deductible.<\/li>\n
- U.S. Bank<\/strong> offers cell phone protection through the U.S. Bank Platinum Visa<\/a>, offering up to $600 per claim and $1,000 in total annual coverage<\/a>. Claims are subject to a $25 deductible.<\/li>\n
- Wells Fargo<\/strong> extends this benefit to select personal credit cards, including the Wells Fargo Active Cash\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>). The Active Cash Card covers up to $600 per claim, allowing two claims per 12-month period, with a $25 deductible.<\/li>\n<\/ul>\n
Coverage terms vary depending on the issuer and card type. But in most cases, phones must be purchased new, and protection begins once your cell phone bill is paid with the eligible credit card. If you stop paying your bill with the card, your coverage may be suspended.<\/p>\n
![\"Man](\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\")
Credit: Mikhail Nilov\/Pexels<\/em><\/enter><\/figure>\n Below, we'll discuss the more granular details of the coverage you can unlock with each issuer.<\/p>\n
American Express Credit Card Cell Phone Protection<\/span><\/h2>\n
The cell phone protection offered by American Express covers not just theft and damage but also screen damage.<\/p>\n
What cards are included?<\/span><\/h3>\n
The following cards provide coverage. However, there may be other cards that provide this coverage.<\/p>\n
- \n
- American Express Platinum Card\u00ae<\/sup><\/a><\/li>\n
- The Business Platinum Card\u00ae<\/sup> from American Express<\/a><\/li>\n
- Centurion\u00ae<\/sup> Card from American Express<\/strong><\/li>\n
- Delta SkyMiles\u00ae<\/sup> Platinum American Express Card<\/a><\/li>\n
- Delta SkyMiles\u00ae<\/sup> Platinum Business American Express Card<\/a><\/li>\n
- Delta SkyMiles\u00ae<\/sup> Reserve American Express Card<\/a><\/li>\n
- Delta SkyMiles\u00ae<\/sup> Reserve Business American Express Card<\/a><\/li>\n<\/ul>\n
\n\n\nAmerican Express Platinum Card\u00ae<\/sup><\/div>\n<\/div>\n How to Apply<\/a><\/div>\nRates & Fees<\/a>
(Terms apply)<\/span><\/div>\nWelcome Offer<\/strong>\r\nAs High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards\u00ae<\/sup> Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div>\n <\/div>\n\n American Express Platinum Card\u00ae<\/sup><\/strong>\nWelcome Offer<\/strong>\r\nAs High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards\u00ae<\/sup> Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div>\nAnnual Fee:<\/strong>$895<\/b><\/div>\nShow more<\/a>Why We Like It<\/a>Highlights<\/a>Earning Rates<\/a>Cardholders can access more than 1,550 airport lounges worldwide, take advantage of up to $200 in annual airline fee credits, up to $209 in CLEAR+ credits, and TSA PreCheck\u00ae<\/sup> or Global Entry fee credits. The card also includes an annual hotel credit worth up to $600 on prepaid Fine Hotels + Resorts\u00ae<\/sup> or The Hotel Collection bookings (The Hotel Collection requires a minimum two-night stay), Hilton Honors\u2122 and Marriott Bonvoy\u00ae<\/sup> Gold Elite status, and a suite of benefits with Fine Hotels + Resorts\u00ae<\/sup>. Additional perks include $12.95 monthly Walmart+ membership credit (with applicable sales taxes and Plus Ups not include), up to $300 in annual digital entertainment credits, up to $300 Equinox credits, and up to $200 annual Uber Cash and $120 Uber One Credit. Enrollment required for select American Express benefits.<\/div>\n\n\n- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.<\/li>
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.<\/li>
- With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07\/2025.<\/li>
- $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.<\/li>
- $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.<\/li>
- $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.<\/li>
- $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.<\/li>
- $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.<\/li>
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.<\/li>
- Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM check-out.<\/li>
- $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 in statement credits each calendar year. Enrollment required.<\/li>
- $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.<\/li>
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24\/7.<\/li>
- $895 annual fee.<\/li>
- Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div>
- \r\n
- Earn 5X points for flights booked directly with airlines or with American Express Travel\u00ae<\/sup> (up to $500,000 in purchases per calendar year).<\/li>\r\n
- Earn 5X points on prepaid hotels booked with American Express Travel\u00ae<\/sup>.<\/li>\r\n
- Earn 5X points on Fine Hotels + Resorts\u00ae<\/sup> and The Hotel Collection bookings.<\/li>\r\n<\/ul><\/div><\/div>\n <\/div>\n <\/div>\n
- Earn 5X points on prepaid hotels booked with American Express Travel\u00ae<\/sup>.<\/li>\r\n
- Earn 5X points for flights booked directly with airlines or with American Express Travel\u00ae<\/sup> (up to $500,000 in purchases per calendar year).<\/li>\r\n
- The Business Platinum Card\u00ae<\/sup> from American Express<\/a><\/li>\n
- Capital One<\/strong> offers cell phone protection on the Capital One Venture X Rewards Credit Card<\/a> and the Capital One Venture X Business<\/a>. These cards provide up to $800 per claim, with a maximum of two claims within a 12-month period and a $50 deductible for each claim.<\/li>\n
- Claims are subject to:<\/a><\/li>
- Claims are subject to:<\/a><\/li>
- What isn\u2019t covered?<\/a><\/li><\/ul><\/li>
- What isn\u2019t covered?<\/a><\/li><\/ul><\/li>
- Claims are subject to:<\/a><\/li>
- Claims are subject to:<\/a><\/li>
- American Express Credit Card Cell Phone Protection<\/a>
![\"Man](\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Credit-Card-Mikhail-Nilov-Featured.png\")
![\"American](\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/e6901d88-1a35-4373-b3e1-9a2a445490a0.png\")
<\/div>\n