8 Best Credit Cards for Cell Phone Insurance

Jodie Price

By Jodie Price | Updated September 15, 2025

Many credit cards now include cell phone insurance, covering damage, loss, or theft when you pay your phone bill with the card. This benefit can help cardholders avoid out-of-pocket repair or replacement costs without needing separate insurance. The top eight cards offering this feature come from trusted issuers and match different spending styles and credit levels.

  • Wells Fargo Active Cash® Card

    The Wells Fargo Active Cash® Card is a straightforward cash back credit card that offers a simple rewards structure. It provides a solid option for people who want consistent rewards without complicated categories.

    This card includes cell phone insurance as a benefit, helping protect users’ devices against damage or theft when they pay their monthly phone bill with the card. It combines rewards with coverage to add value for everyday purchases.

    Earning Structure:

    • Earn unlimited 2% cash rewards on all purchases
    • No category restrictions or spending caps

    Welcome Bonus:

    Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: None
    • APR: 0% intro APR for 12 months on purchases and qualifying balance transfers; 19.24%, 24.24%, or 29.24% variable APR thereafter
    • Up to $600 of cell phone protection against damage or theft (with $25 deductible)
    • Includes 24/7 Visa Signature® Concierge and access to event tickets, reservations, and more

    Key Benefits:

    • Flat-rate unlimited cash back makes rewards simple
    • Cell phone protection covers damage and theft
    • No category tracking or activation needed
    • Includes purchase protection and extended warranty coverage

    Redemption Options:

    Cash back can be redeemed as statement credits, direct deposits, or gift cards, with no minimum redemption amount.

    Credit Requirements:

    Generally requires good to excellent credit, typically a FICO score of 690 or higher.

    Spending Limitations / Potential Drawbacks:

    Flat-rate rewards may be less lucrative for users who spend heavily in specific categories.

    Why it Works for Beginners:

    Its simple earning structure and added cell phone insurance make it easy for new cardholders to earn rewards and get extra protection without managing complex rules.

  • Ink Business Preferred® Credit Card

    The Ink Business Preferred® Credit Card is designed for small business owners who want to earn rewards on everyday spending. It offers cell phone insurance as part of its benefits, which can protect phones used for business purposes.

    This card lets users earn points that can be redeemed for travel and other expenses. It combines strong rewards with useful protections, making it a practical choice for business cardholders.

    Earning Structure:

    • 3 points per $1 on the first $150,000 spent each account anniversary year on travel, internet, cable, phone services, shipping, and advertising on social media and search engines
    • 1 point per $1 on all other purchases

    Welcome Bonus:

    Earn 90,000 bonus points after spending $8,000 on purchases within the first 3 months.

    Card Details:

    • Annual fee: $95
    • Foreign transaction fees: None
    • APR: 20.24%–26.24% variable
    • Cell phone protection up to $1,000 per claim, with a $100 deductible, maximum 3 claims or $3,000 per 12-month period
    • Points do not expire as long as the account is open

    Key Benefits:

    • Cell phone insurance up to $600 per claim, max 3 claims per 12 months
    • Strong rewards on common business expenses
    • No foreign transaction fees
    • Points transferable to multiple airline and hotel partners

    Redemption Options:

    Points can be redeemed for travel, gift cards, statement credits, or transferred to travel partners.

    Credit Requirements:

    Applicants typically need good to excellent credit (FICO 690 or higher).

    Spending Limitations / Potential Drawbacks:

    The $100 deductible and annual fee may not suit all businesses, especially those not spending in bonus categories.

    Why it Works for Beginners:

    Its clear rewards and protection make it easy for new business card users to get value while building credit.

  • Chase Freedom Flex®

    The Chase Freedom Flex® is a popular credit card for people who want cell phone insurance included. It offers solid perks beyond phone coverage, making it useful for everyday spending.

    This card rewards users with points on many types of purchases. It also provides protection for eligible cell phones when you pay your monthly bill with the card.

    Earning Structure:

    • 5% cash back on up to $1,500 in combined purchases in quarterly bonus categories (activation required)
    • 5% cash back on travel purchased through Chase Travel℠
    • 3% cash back on dining and drugstore purchases
    • 1% cash back on all other purchases

    Welcome Bonus:

    Earn a $200 Bonus after spending $500 on purchases in the first 3 months from account opening.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: Not listed (assumed applicable if not waived)
    • APR: 0% intro APR for 15 months on purchases and balance transfers, then 18.99%–28.49% variable APR
    • Cell phone protection up to $800 per claim, $1,000 annual max, $50 deductible; 2 claims allowed per 12 months
    • Access to Chase Credit Journey for credit score monitoring

    Key Benefits:

    • Generous cash back in rotating and fixed categories
    • Cell phone insurance when paying your bill with the card
    • No annual fee, and rewards never expire while the account is open
    • Useful travel and purchase protections

    Redemption Options:

    Cash back can be redeemed as statement credits, direct deposits, or for travel, gift cards, and more through Chase Travel℠ with no minimum redemption.

    Credit Requirements:

    Typically requires good to excellent credit, with scores around 690 or above.

    Spending Limitations / Potential Drawbacks:

    Some cash back categories rotate each quarter and have spending limits, which may require tracking.

    Why it Works for Beginners:

    It’s simple to use, has no annual fee, and offers rewards and phone insurance that are easy to understand.

  • Choice Privileges® Mastercard®

    The Choice Privileges® Mastercard® offers cardholders useful protection for their cell phones. It provides secondary coverage if a phone is damaged or stolen, as long as the phone bill is paid with the card.

    This card is designed for people who want simple but effective phone insurance along with travel rewards. It helps protect valuable devices while earning points through everyday spending.

    Earning Structure:

    • 5x points on stays at participating Choice Hotels® properties
    • 3x points on purchases at gas stations
    • 3x points on purchases at grocery stores
    • 3x points on purchases at home improvement stores
    • 3x points on phone plan services
    • 1x point on all other purchases

    Welcome Bonus:

    Earn 60,000 bonus points after spending $1,000 in the first 3 months, enough for up to 7 reward nights at select Choice Hotels® properties.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: None
    • APR: 19.99%, 24.24%, or 29.24% variable APR
    • Cell phone insurance up to $800 per claim, $25 deductible, maximum 2 claims per 12 months
    • Includes 10 elite night credits annually for Gold status qualification

    Key Benefits:

    • Generous rewards on travel and key everyday categories
    • Cell phone protection for damage or theft
    • Automatic Gold elite status in the Choice Privileges program
    • No annual fee or foreign transaction fees

    Redemption Options:

    Points can be redeemed for hotel stays at Choice Hotels, along with select gift cards and travel-related rewards.

    Credit Requirements:

    Applicants generally need good to excellent credit, typically a FICO score of 690 or higher.

    Spending Limitations / Potential Drawbacks:

    Limited redemption options may not appeal to users who aren’t frequent Choice Hotels guests.

    Why it Works for Beginners:

    It offers basic phone protection and rewards without complex terms, making it easy to use and understand for new credit card holders.

  • Wells Fargo Autograph® Card

    The Wells Fargo Autograph® Card is built for everyday spenders who want generous rewards across common categories like dining, travel, and streaming. With no annual fee and a valuable intro offer, it delivers both flexibility and savings.

    It also includes secondary cell phone protection of up to $600 when you use the card to pay your monthly phone bill. Combined with 3x points in practical categories, this card adds value for a wide range of users.

    Earning Structure:

    • Earn 3 points per $1 spent on dining, travel, gas stations, and phone services
    • 1 point per $1 spent on all other purchases

    Welcome Bonus:

    Earn 20,000 bonus points after spending $1,000 in the first 3 months (redeemable for $200 in cash value).

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: Not listed (assumed waived due to travel perks)
    • APR: 0% intro APR for 12 months on purchases; 19.24%, 24.24%, or 29.24% variable APR thereafter
    • Cell phone protection up to $600 per claim, $25 deductible, with a limit of 2 claims per 12 months
    • Includes 24/7 Visa Signature® Concierge and entertainment access

    Key Benefits:

    • High earning potential in everyday categories
    • Cell phone protection when paying the bill with the card
    • Intro APR period helps manage large purchases
    • Rewards can be redeemed flexibly for travel, gift cards, or PayPal checkout

    Redemption Options:

    Points can be redeemed for travel, gift cards, cash back, or online shopping.

    Credit Requirements:

    Requires good to excellent credit, typically a FICO score of 690 or higher.

    Spending Limitations / Potential Drawbacks:

    Phone insurance is secondary, meaning primary insurance must pay first. Coverage limits might not cover high-end phones.

    Why it Works for Beginners:

    It offers solid protection and rewards without an annual fee, making it easy for new card users to manage.

  • Choice Privileges® Select Mastercard®

    The Choice Privileges® Select Mastercard® is designed for frequent travelers who stay at Choice Hotels® and want to maximize their reward earnings. With generous point multipliers on hotel stays and common purchases, it delivers strong value for loyalists.

    This card also provides up to $800 in secondary cell phone protection when the monthly bill is paid with the card. With elite status benefits and travel perks, it’s a premium option with a modest annual fee.

    Earning Structure:

    • 10x points on stays at participating Choice Hotels® properties
    • 5x points on purchases at gas stations
    • 5x points on purchases at grocery stores
    • 5x points on purchases at home improvement stores
    • 5x points on phone plan services
    • 1x point on all other purchases

    Welcome Bonus:

    Earn 60,000 bonus points after spending $3,000 in the first 3 months—enough for up to 7 reward nights at select Choice Hotels® properties.

    Card Details:

    • Annual fee: $95
    • Foreign transaction fees: None
    • APR: 19.99%, 24.24%, or 29.24% variable APR
    • Cell phone protection up to $800 per claim, $25 deductible, max 2 claims per 12 months
    • Includes 20 elite night credits each calendar year toward Platinum status

    Key Benefits:

    • High point multipliers on hotel stays and everyday spending
    • Secondary cell phone coverage for theft or damage
    • 30,000 bonus points every anniversary
    • TSA PreCheck or Global Entry credit every four years

    Redemption Options:

    Points can be redeemed for free nights at Choice Hotels, as well as select gift cards and travel-related rewards.

    Credit Requirements:

    Requires good to excellent credit, typically a FICO score of 690 or above.

    Spending Limitations / Potential Drawbacks:

    The cell phone insurance requires you to pay your monthly phone bill with the card to be eligible.

    Why it Works for Beginners:

    It offers straightforward rewards and affordable protection, making it easy for new card users to manage and benefit.

  • The Platinum Card® From American Express

    The Platinum Card® from American Express is a premium credit card that offers strong travel rewards and benefits. It is popular among those who want luxury perks alongside solid cell phone insurance coverage.

    This card provides insurance for eligible cell phones when the bills are paid with the card. The coverage protects against theft and damage, making it useful for users who want extra security for their devices.

    Earning Structure:

    • 5x points on flights booked directly with airlines or through Amex Travel
    • 5x points on prepaid hotels booked with Amex Travel
    • 1x point on all other purchases

    Welcome Bonus:

    You may be eligible for up to 175,000 Membership Rewards® Points after spending $8,000 in the first 6 months. Welcome offers vary.

    Card Details:

    • Annual fee: $695
    • Foreign transaction fees: None (implied by travel focus)
    • APR: See Pay Over Time APR (varies by offer)
    • Cell phone protection up to $800 per claim, $50 deductible, max 2 claims per 12 months
    • Access to Centurion, Priority Pass, and other global lounges

    Key Benefits:

    • Access to airport lounges worldwide
    • Travel and purchase protections
    • Cell phone insurance against theft and damage
    • No foreign transaction fees

    Redemption Options:

    Points can be redeemed for flights, gift cards, statement credits, or transferred to airline and hotel partners.

    Credit Requirements:

    Applicants typically need good to excellent credit to qualify for this premium card.

    Spending Limitations / Potential Drawbacks:

    The high annual fee may not be suitable for those who spend less on travel or phone bills.

    Why it Works for Beginners:

    The card offers strong insurance and rewards but is best for users ready to manage a premium card and benefit from travel perks.

  • Capital One Venture X Rewards Credit Card

    The Capital One Venture X Rewards Credit Card is designed for travelers who want rewards and strong protections. It offers cell phone insurance when the phone is bought with the card, giving cardholders added peace of mind.

    This card balances travel perks with everyday benefits. It is a good option for those who want valuable rewards and coverage without a lot of hassle.

    Earning Structure:

    • 10x miles on hotels and rental cars booked through Capital One Travel
    • 5x miles on flights booked through Capital One Travel
    • 2x miles on all other purchases

    Welcome Bonus:

    Earn 75,000 bonus miles after spending $4,000 in the first 3 months (equal to $750 in travel).

    Card Details:

    • Annual fee: $395
    • Foreign transaction fees: None
    • APR: 19.99%–29.24% variable APR
    • Cell phone protection up to $800 per claim, $50 deductible, max 2 claims or $1,600 per 12 months
    • 10,000 bonus miles every card anniversary
    • Up to $120 Global Entry or TSA PreCheck® credit

    Key Benefits:

    • Up to $300 annual credit for Capital One Travel purchases
    • Global Entry or TSA PreCheck fee credit
    • No foreign transaction fees

    Redemption Options:

    Miles can be redeemed for flights, hotels, rental cars, or transferred to over 15 travel loyalty programs at 1:1 rates.

    Credit Requirements:

    Requires excellent credit, typically a FICO score of 720 or higher.

    Spending Limitations / Potential Drawbacks:

    Cell phone protection requires you to pay your monthly phone bill with the card to keep coverage active.

    Why it Works for Beginners:

    It offers clear benefits and simple rules for earning and redeeming miles, making it easy to use.

Frequently Asked Questions

What are the top credit cards offering comprehensive cell phone insurance coverage?

Cards like the Wells Fargo Active Cash®, Chase Freedom Flex®, and Capital One Venture X Rewards provide strong cell phone insurance. They offer coverage for theft and damage with claim limits up to $800 or more. These cards also include reasonable deductibles and straightforward eligibility.

Which credit cards provide free insurance for mobile phones?

Several credit cards offer complimentary cell phone protection when you pay your monthly phone bill with the card. The Chase Freedom Flex® and Wells Fargo Active Cash® Card both include this benefit with no additional fee. It’s a simple way to get protection without buying a separate plan.

How does the cell phone protection feature work on the Amex Platinum card?

The Platinum Card® from American Express provides secondary coverage for theft or damage when you pay your phone bill with the card. You can claim up to $800 per incident, with a $50 deductible. A maximum of two claims per year is allowed.

Can I get cell phone insurance through a debit card, or is it exclusively available with credit cards?

Cell phone insurance is typically a benefit offered only by credit cards. Debit cards rarely include this protection. Most coverage comes from major issuers like Chase, Wells Fargo, and American Express.

What are the claim limits and deductibles for the Chase Freedom Flex cell phone insurance policy?

The Chase Freedom Flex® offers up to $800 per claim with a $50 deductible. You can file up to two claims per 12 months. Coverage applies when the monthly phone bill is paid using the card.