{"id":9053,"date":"2026-08-17T12:10:02","date_gmt":"2026-08-17T12:10:02","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=9053"},"modified":"2026-09-25T00:59:33","modified_gmt":"2026-09-25T00:59:33","slug":"best-credit-cards-with-cell-phone-protection","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/best-credit-cards-with-cell-phone-protection\/","title":{"rendered":"Free Cell-Phone Insurance: Which Credit Cards Cover Damage and Theft?"},"content":{"rendered":"

For most of us, our cell phones allow us to connect with loved ones, find directions to a new restaurant, get recommendations for things to do in a new city, retrieve our boarding pass, translate an unknown language, take pictures, or listen to music. Twenty years ago, we might have had several different devices and methods to accomplish these tasks, but today, our smartphone can just about do it all.<\/p>\n

Whether you're an Android or iPhone user, as phones have increased in capabilities, they've also increased in cost. And somehow, they've become increasingly fragile \u2014 not a great combination. A flashy new phone is also a great target for pickpockets worldwide, and they are small enough to be easily left on a cafe table or in an airplane seatback.<\/p>\n

What does all this mean? It's incredibly common for your phone to break, get lost, or get stolen, especially while you're bouncing from country to country on buses, planes, taxis, and trains. Thankfully, there are several credit cards that you might already have in your wallet that offer some sort of cell phone insurance. Here are the best credit cards for cell phone insurance and how you can make a claim.<\/p>\n

Best No Annual Fee Card With Cell Phone Insurance: Wells Fargo Autograph<\/span><\/h2>\n

If you want cell phone protection without paying an annual fee, it's hard to beat the Wells Fargo Autograph\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>). You'll enjoy up to $600 of protection against damage or theft, subject to a $25 deductible. You can make a maximum of two claims per 12-month period, for a total of $1,200 in coverage.<\/p>\n

What makes the Wells Fargo Autograph unique is that you'll also earn 3X Wells Fargo Rewards points<\/a> on your cell phone and landline providers. This makes the Wells Fargo Autograph a great card for coverage and earnings alike. Outside of cell phones, it's a lucrative card to keep in your wallet. It also earns 3X points at restaurants, travel, gas stations, transit, and popular streaming services. You can then transfer those points to 10 airline and hotel partners<\/a>.<\/p>\n

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Wells Fargo Autograph\u00ae<\/sup> Card<\/div>\n
\"Wells<\/div>\n
Apply Now<\/a><\/div>\n
Rates & Fees<\/a><\/span><\/div>\n
Welcome Bonus<\/strong>\r\nEarn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.<\/div>\n <\/div>\n
\n Wells Fargo Autograph\u00ae<\/sup> Card<\/strong>\n
Welcome Bonus<\/strong>\r\nEarn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.<\/div>\n
Annual Fee:<\/strong>$0<\/b><\/div>\n
Show more<\/a>Why We Like It<\/a>Highlights<\/a>Earning Rates<\/a>
The Wells Fargo Autograph\u00ae<\/sup> Card rewards cardholders with diverse spending requirements, offering unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. It enhances travel experiences with benefits like an auto rental collision damage waiver, emergency assistance, and Roadside Dispatch\u00ae<\/sup>, and no annual fee.<\/div>