Get Free Cell Phone Protection With Your Credit Card 2024

May 20, 2024 By: Stephanie H. - CreditMonarch Online Writer0 comments

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Credit cards offer various forms of protection, including travel insurance and trip delay coverage to purchase protection and extended warranty. The protection of cellphones is one of the most useful benefits of any credit card. Mostly everyone has a cellphone these days, and the cost of repairing or replacing one if it’s damaged, lost or stolen can add up to hundreds or even thousands of dollars depending on the model you carry and your plan.

Carrying the appropriate credit card can be beneficial. Your credit card’s cellphone protection can help in covering part or all of the cost of fixing or replacing your phone. But what is the catch? The credit card that offers protection is the credit card you would usually use to pay your phone bill each month. If you don’t, you won’t be eligible for reimbursement at times when you need it the most.

While it used to be a rare perk, credit cards are now offering a variety of cell phone protection. But how does credit card cellphone protection even work? The specifics differ depending on the credit card. In general, this coverage will provide protection from major damage and, in some cases, theft. In most cases, scratched or cracked screens that don’t impact the phone’s performance are not included in most policies. Policies typically cover $600 to $800 per claim and up to two or three claims per 12-month period, with a deductible that’s usually $50 to $100 per instance. In order to qualify for protection, you’ll typically need to use your credit card to pay your monthly cellphone bill. To receive and maintain coverage, you must use a credit card with this benefit every month and pay your bill.

Credit card cellphone protection typically covers both the primary cardholder’s phone and any supplemental lines listed on the same account for which you pay. Check your individual credit card’s benefits terms before deciding which credit card has the best coverage for your needs, as it will differ from card to card. Make sure you are setting up auto-pay on your account with the specific credit card as it is one less thing you would have to worry about paying manually each month, and you won’t accidentally use a different card (without coverage) to pay your bill.

Having credit card cellphone protection can save money on repairing or replacing a stolen or damaged phone, which can cost hundreds of dollars or more. So, even if another credit card offers more points when you use it to pay your cellphone bill, you’ll likely want to set up autopay for your cellphone plan with the credit card that offers the best cellphone protection benefits. See below for a list of recommended credit cards.

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