Credit cards with cell phone protection

8 Credit Cards With Cell Phone Protection

Cell phones are expensive. They’re also easy to lose, easy to drop, and easy to break. And because of their hefty price tag, they’re not so easy to replace. Cell phone protection eases some of the cost and the best part is you may already have it if you carry one of the cards in this list.

How to Choose Your Credit Cards

We chose the cards in this list not only because they have cell phone protection, but also because of the other great features they offer. You’ll find we divided this list into three sections. First, are the Daily Driver cards, which should be the first card you choose to carry. Daily Driver cards should earn at least 2% cash back on all purchases. This way you earn elevated cash back on your everyday purchases.

Next, you’ll see Triple Play cards. These cards should pay 3% cash back in at least 3 categories. If you choose to carry more than one credit card, one of these can be your second card. Lastly, you’ll see Category King cards. These credit cards should offer elevated rewards of 5% or more in at least one category. Category King cards should be your third pick if you choose to carry three or more credit cards. We call this the 1-2-3 cashback system which you can read more about here.

Daily Driver Credit Cards With Cell Phone Protection

Daily driver credit cards earn a minimum of 2% or 2x points or miles on all purchases. They should be your first credit card and if you only want to carry one credit card, it should be a daily driver.

Capital One Venture X Rewards Credit Card

Capital One Venture X

Our Rating: 4.9

★★★★

Capital One Venture X Rewards Credit Card

Welcome Offer

Earn 75,000 bonus miles

Est. Value

Up to $1,312.50

Annual Fee

$395

APR

19.99% – 29.74% Variable

Credit Req’d

Excellent

Rewards: Earn 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights and vacation rentals booked through Capital One Travel, and 2x miles on other purchases.

The Capital One Venture X Rewards Credit Card is one of the best all-around credit cards, let alone luxury ones, on the market today. High rewards, high perks, and a high up-front welcome offer are just some of the reasons why it belongs in your wallet. Don’t let the high annual fee scare you away. You can get a $300 annual travel credit that makes this annual fee worth paying for if you travel at least once a year.

Cell phone protection: Protect your cell phone when you pay your bill with your Venture X card. If it’s stolen or damaged, you can get reimbursed up to $800. Certain terms, conditions, and exclusions apply. See your Guide to Benefits for details.

2x miles
On all other eligible purchases
Earn unlimited 2x miles on all other purchases
5x miles
Select Categories
Earn 5x miles on vacation rentals booked through Capital One Travel
5x miles
Airfare
Earn 5x miles on flights booked through Capital One Travel
10x miles
Hotels
Earn unlimited 10x miles on hotels booked through Capital One Travel
10x miles
Rental Cars
Earn unlimited 10x miles on rental cars booked through Capital One Travel

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 10x miles on purchases

Cons

  • Annual fee
  • Requires excellent credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/28/2024
791
Experian
$30,000
Approved04/08/2023
730
Not Provided
---
Approved04/25/2024
634
Not Provided
$3,000
Approved04/25/2024
650
Not Provided
$3,000
Approved04/25/2024
666
Not Provided
$3,000
Approved10/11/2023
820
Equifax
$20,000
Approved10/11/2023
828
TransUnion
$20,000
Approved10/11/2023
830
Experian
$20,000
Approved10/03/2023
800
Not Provided
$20,000
Approved04/11/2024
696
TransUnion
$15,000
Approved04/11/2024
702
Equifax
$15,000
Approved04/11/2024
728
Experian
$15,000
Approved05/27/2024
820
Experian
$30,000
Approved07/12/2023
677
Not Provided
$10,000
Approved08/08/2023
735
Experian
$10,000
Approved08/08/2023
739
TransUnion
$10,000
Approved08/08/2023
741
Equifax
$10,000
Approved11/04/2023
715
TransUnion
$20,000
Approved11/04/2023
717
Experian
$20,000
Approved09/18/2023
813
Not Provided
$20,000
Approved03/06/2023
720
Experian
$20,000
Approved03/06/2023
732
Equifax
$20,000
Approved03/06/2023
735
TransUnion
$20,000
Approved05/09/2024
758
Not Provided
$10,000
Approved09/13/2023
719
Not Provided
$15,000
Approved01/23/2024
822
TransUnion
$30,000
Approved01/23/2024
827
Experian
$30,000
Approved12/03/2023
734
Equifax
$20,000
Approved12/03/2023
744
TransUnion
$20,000
Approved12/03/2023
758
Experian
$20,000
Approved09/27/2023
741
Not Provided
$10,000
Approved12/14/2023
750
Experian
$10,000
Approved10/19/2023
776
Not Provided
$20,000
Approved04/10/2024
705
Experian
$30,000
Denied04/23/2024
815
Not Provided
---
Denied09/12/2023
761
Experian
---
Denied09/12/2023
776
Equifax
---
Denied09/12/2023
787
TransUnion
---
Denied12/31/2023
741
TransUnion
---
Denied12/31/2023
775
Equifax
---
Denied12/05/2023
754
TransUnion
---
Denied12/05/2023
769
Experian
---
Denied12/05/2023
777
Equifax
---
Denied04/03/2024
760
Not Provided
---

Wells Fargo Active Cash® Card

Wells Fargo Active Cash

Our Rating: 4.9

★★★★

Wells Fargo Active Cash® Card

Welcome Offer

Earn a $200 cash rewards bonus

Est. Value

$200

Annual Fee

$0

APR

19.74%, 24.74% or 29.74% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn unlimited 2% cash rewards on purchases.

The Wells Fargo Active Cash® Card offers a great combination of benefits that make it one of the top cards for everyday spending. You get 2% cash back on every purchase, which admittedly, a lot of cards offer. But you also get 0% intro APR on purchases and balance transfers for the first 12 months from account opening, then 19.74%, 24.74% or 29.74% variable APR. Plus, you get a small welcome bonus. This is also one of the few 2% cash back cards to offer cell phone protection.

Cell phone protection: You can get up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible. For complete coverage benefits and exclusions see the Guide to Benefits.

2% cash back
All eligible purchases
Earn unlimited 2% cash rewards on purchases

Pros

  • Welcome offer
  • No annual fee
  • 2% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/20/2023
810
Not Provided
$2,000
Approved09/18/2024
758
Equifax
$10,000
Approved09/18/2024
772
TransUnion
$10,000
Approved09/18/2024
780
Experian
$10,000
Approved09/21/2024
796
Experian
$30,000
Approved09/02/2023
746
Experian
$6,000
Approved09/02/2023
774
Equifax
$6,000
Approved09/02/2023
786
TransUnion
$6,000
Approved06/03/2023
820
Equifax
$30,000
Approved02/18/2023
800
Not Provided
$20,000
Approved06/23/2023
700
Experian
$30,000
Approved04/14/2023
756
Experian
$13,000
Approved10/23/2023
745
Equifax
$12,000
Approved04/26/2023
743
Experian
$8,000
Approved04/26/2023
751
TransUnion
$8,000
Approved04/26/2023
765
Equifax
$8,000
Approved10/04/2023
721
Experian
$16,000
Approved09/24/2023
763
Experian
$15,000
Approved09/24/2023
784
TransUnion
$15,000
Approved09/24/2023
792
Equifax
$15,000
Approved02/09/2024
723
Not Provided
$8,000
Denied04/01/2023
744
TransUnion
---
Denied04/01/2023
747
Experian
---
Denied04/01/2023
767
Equifax
---

TD Double Up(SM) Credit Card

Our Rating: 3.5

★★★

TD Double Up(SM) Credit Card

Welcome Offer

Earn $150 Cash Back

Est. Value

$150

Annual Fee

$0

APR

19.74%, 24.74% or 29.74% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn an unlimited 2% cash back on all eligible purchases

The TD Double Up(SM) Credit Card is one of the many credit cards that offer 2% cash back on all eligible purchases. In addition to the welcome offer, it also offers 0% intro APR on balance transfers for the first 15 months, then 19.74%, 24.74% or 29.74% variable APR. And it includes cell phone protection when you pay your bill with your card.

Cell phone protection: You can get reimbursed up to $500 for your stolen or damaged cell phone when you pay for your wireless phone bill with your TD Bank Visa Credit Card. Certain terms, conditions, and exclusions apply. See the Guide to Benefits for coverage information.

1% cash back
All eligible purchases
Earn 1% Cash Back on purchases
1% cash back
All eligible purchases
Plus, earn 1% Cash Back when you redeem into an eligible TD Bank Deposit Account

Pros

  • Welcome offer
  • No annual fee

Cons

  • High APR
  • Foreign transaction fee
App StatusDateCredit ScoreBureauCredit Limit
Approved11/03/2023
780
Experian
$15,000
Approved06/15/2023
765
Not Provided
$5,000

Triple Play Credit Cards With Cell Phone Protection

Triple play credit cards pay at least 3% or 3x points or miles on at least 3 categories. Triple play cards complement daily drivers by earning even more elevated rewards on some of your everyday purchases.

Wells Fargo AutographSM Card

Wells Fargo Autograph card

Our Rating: 4.8

★★★★

Wells Fargo AutographSM Card

Welcome Offer

Earn 20,000 bonus points

Est. Value

$200

Annual Fee

$0

APR

19.74%, 24.74%, or 29.74% Variable

Credit Req’d

Rewards: Earn an unlimited 3x points at restaurants, travel, gas stations, popular streaming services and phone plans. Earn 1x point on all other purchases.

The Wells Fargo AutographSM Card is a great card that offers elevated rewards on common, everyday purchases. There is a generous welcome offer and an introductory 0% APR offer on purchases for the first 12 months from account opening, then 19.74%, 24.74%, or 29.74% variable APR. There are some valuable travel benefits and you get cell phone protection when you pay the bill with your card.

Cell phone protection: You can get up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible. This protection does not cover cell phones that are lost. Cell phone protection is only available when cell phone bills are paid with a Wells Fargo Consumer Credit Card, not a Wells Fargo Debit Card or Business Card. For complete coverage benefits and exclusions regarding this protection, refer to the Guide to Benefits.

1x points
On all other eligible purchases
Earn 1x points on other purchases
3x points
Cell phone service
3x on cell phone and landline providers
3x points
Streaming services
3x on popular streaming services
3x points
Travel
3x on airfare, hotels, cruises, and car rentals
3x points
Dining
3x on restaurants, dining in, take out, delivery, catering and more
3x points
Gas
3x at gas stations and electric charging stations
3x points
Transit
3x on subways, ride shares, parking, tolls and more

Pros

  • Welcome offer
  • No annual fee
  • No foreign transaction fee

Cons

  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved10/17/2023
825
Equifax
$30,000
Approved04/03/2023
748
TransUnion
$15,000
Approved04/03/2023
754
Equifax
$15,000
Approved04/03/2023
767
Experian
$15,000
Approved04/22/2023
695
Experian
$2,500
Approved06/17/2023
768
TransUnion
$30,000
Approved11/19/2023
741
Experian
$14,000
Approved11/19/2023
743
Equifax
$14,000
Approved11/19/2023
746
TransUnion
$14,000
Approved10/27/2023
765
TransUnion
$16,000
Approved10/27/2023
786
Equifax
$16,000
Approved10/27/2023
788
Experian
$16,000
Denied03/12/2024
829
Equifax
---

Category King Credit Cards With Cell Phone Protection

Category king credit cards earn a high rewards rate, usually at least 5% on one more category. Category king cards can be your third credit card choice if you want to carry three or more cards.

PNC Cash Rewards® Visa® Credit Card

Our Rating: 4.6

★★★★

PNC Cash Rewards® Visa® Credit Card

Welcome Offer

$250

Est. Value

$250

Annual Fee

$0

APR

19.74% to 29.74% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 4% cash back on gas station purchases; 3% cash back on dining purchases at restaurants; 2% cash back on grocery store purchases, and 1% cash back on all other eligible purchases

The PNC Cash Rewards® Visa® Credit Card is an excellent credit card that offers up to 4% cash back on select purchases. There is a small welcome offer and an introductory 0% APR offer on balance transfers for 15 months, then 19.74% to 29.74% variable APR. The card also offers cell phone protection, up to $800 when you use your card to pay the bill.

Cell phone protection: You can get reimbursed up to $800 if your cell phone is stolen or damaged. Cell phone protection is only available when you use your eligible PNC Visa credit card to pay your monthly wireless bill. Limitations apply. See the Guide to Benefits for complete information.

1% cash back
On all other eligible purchases
1% cash back on all other purchases.
2% cash back
U.S. supermarkets
Earn 4% on gas station purchases, 3% on dining purchases at restaurants, and 2% on grocery store purchases for the first $8,000 in combined purchases in these categories annually.
3% cash back
Dining
Earn 4% on gas station purchases, 3% on dining purchases at restaurants, and 2% on grocery store purchases for the first $8,000 in combined purchases in these categories annually.
4% cash back
Gas
Earn 4% on gas station purchases, 3% on dining purchases at restaurants, and 2% on grocery store purchases for the first $8,000 in combined purchases in these categories annually.

Pros

  • Welcome offer
  • No annual fee
  • Up to 4% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved10/27/2023
775
Experian
$2,500
Approved02/01/2023
737
Equifax
$12,500
Approved02/01/2023
742
Experian
$12,500
Approved02/01/2023
752
TransUnion
$12,500
Approved01/26/2023
744
Experian
$12,500
Approved01/26/2023
752
TransUnion
$12,500
Approved01/26/2023
770
Equifax
$12,500
Approved01/31/2023
746
Experian
$11,500
Approved01/31/2023
788
Experian
$11,500
Denied07/30/2021
800
Not Provided
---
Denied01/13/2024
724
Not Provided
---

Chase Freedom Flex®

Our Rating: 4.7

★★★★

Chase Freedom Flex®

Welcome Offer

$200

Est. Value

$200

Annual Fee

$0

APR

19.99%–28.74% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and on travel purchased through Chase TravelSM. Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services and drugstore purchases. Earn 1% cash back on other purchases.

The Chase Freedom Flex® allows you to earn 5% cash back in selected rotating categories on up to $1,500 in combined purchases each quarter you activate. The categories include things like gas, groceries, Amazon, dining, and streaming services.

Cell phone protection: Get up to $800 per claim and $1,000 per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when you pay it with your eligible credit card. Maximum of 2 claims in a 12 month period with a $50 deductible per claim.

Coverage is provided by New Hampshire Insurance Company, an AIG Company. Benefits are subject to terms, conditions, and limitations, including limitations on the amount of coverage. The monthly bill associated with the phone must be paid with the eligible card for coverage to be effective. Policy provides secondary coverage only. For further information, see your Mastercard Guide to Benefits or call 1-800-MASTERCARD.

All information about Chase Freedom Flex® has been collected independently by allCards.com. Chase Freedom Flex® is no longer available through allCards.com.

1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Drugstores
3% cash back on drugstore purchases
3% cash back
Dining
3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
Rotating Categories
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
5% cash back
Travel
5% cash back on travel purchased through Chase Travel(SM)

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back
  • Earns Chase Ultimate Rewards points

Cons

  • Foreign transaction fee
  • Requires good credit
  • Keeping track of quarterly bonus categories
App StatusDateCredit ScoreBureauCredit Limit
Approved04/02/2023
741
TransUnion
$14,000
Approved04/02/2023
748
Experian
$14,000
Approved08/02/2023
800
Not Provided
$19,000
Approved10/24/2023
800
Not Provided
$8,600
Approved09/03/2023
795
Experian
$22,500
Approved09/03/2023
847
TransUnion
$22,500
Approved07/08/2024
800
Not Provided
$23,000
Approved06/02/2023
789
TransUnion
$12,000
Approved06/02/2023
791
Experian
$12,000
Approved04/12/2024
772
Not Provided
$20,000
Denied07/16/2024
780
Experian
---

The Platinum Card® from American Express

Amex Platinum Card

Our Rating: 4.5

★★★★

The Platinum Card® from American Express

Welcome Offer (Terms Apply)

Earn 80,000 Membership Rewards® Points

Est. Value

Up to $1,600

Annual Fee

$695

APR

See Pay Over Time APR Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5x points on flights booked directly with airlines or with American Express Travel, on up to $500,000 on these purchases each calendar year. Earn 5x points on prepaid hotels booked on amextravel.com and 1x points on other purchases. Terms Apply.

The The Platinum Card® from American Express signals status like few other credit cards. Cardmembers earn exclusive perks, high everyday rewards, and a massive upfront welcome offer.

Cell phone protection: You can be reimbursed, the lesser of, your costs to repair or replace your damaged or Stolen cell phone when your cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid by an Eligible Card Account.

Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

1x points
On all other eligible purchases
1x points on other eligible purchases
5x points
Airfare
5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year
5x points
Hotels
5x Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Excellent annual credits
  • Lounge access
  • Up to 5x points

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/25/2024
649
Not Provided
---
Approved03/20/2024
800
Not Provided
---
Approved04/28/2023
812
Equifax
---
Approved04/28/2023
820
TransUnion
---
Approved04/28/2023
825
Experian
---
Approved08/16/2023
698
Equifax
$25,000
Approved08/16/2023
709
Experian
$25,000
Approved08/16/2023
728
TransUnion
$25,000
Approved12/11/2023
695
TransUnion
---
Approved12/11/2023
713
Experian
---
Approved12/11/2023
714
Equifax
---
Approved01/04/2023
696
Not Provided
---
Approved06/21/2023
700
Not Provided
---
Approved01/23/2023
675
Not Provided
$6,000
Approved11/01/2023
683
Experian
---
Approved11/01/2023
703
TransUnion
---
Approved11/01/2023
718
Equifax
---
Approved08/17/2023
737
TransUnion
---
Approved08/17/2023
742
Equifax
---
Approved08/17/2023
758
Experian
---
Approved05/29/2024
680
Experian
---

Bilt World Elite Mastercard®

Bilt

Our Rating: 4.0

★★★★☆

Bilt World Elite Mastercard®

Welcome Offer

None

Est. Value

None

Annual Fee

$0

APR

20.99%, 23.99%, or 28.99% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 1x point on rent payments (with no transaction fee), 2x points on travel purchases, and 3x points on dining.

The Bilt World Elite Mastercard® may be the only credit card that rewards you for paying rent. We included this card under the category king list because rent is a big monthly expense for many people. Even if your landlord only accepts checks, you can still pay with Bilt and Bilt will issue them a check. You can earn 2x points on travel purchases (including flights, hotels rental cars, and cruises) and 3x points on dining. There’s also some travel benefits included, but there is no welcome offer.

Cell phone protection: Pay your monthly cell phone bill with your Bilt Mastercard® and you can get up to $800 of protection (subject to $25 deductible) against covered damage or theft. This benefit does not cover cell phones that are lost. This protection is only available when cell phone bills are paid with a Bilt World Elite Mastercard Credit Card. For complete coverage benefits and exclusions regarding this protection, refer to the Guide to Benefits.

1x points
On all other eligible purchases
Earn 1x points on other purchases.
1x points
Select Categories
Earn 1x points on rent payments without the transaction fee. Up to 100,000 points each calendar year.
2x points
Travel
Earn 2x points on flights, hotels, rental cars, and cruises when booked directly with airlines, hotels, and car rental agencies.
3x points
Dining
Earn 3x points on dining.

Pros

  • No annual fee
  • No foreign transaction fee
  • Earn rewards for paying rent

Cons

  • No welcome bonus
  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/02/2023
741
TransUnion
$14,000
Approved04/02/2023
748
Experian
$14,000
Approved08/02/2023
800
Not Provided
$19,000
Approved10/24/2023
800
Not Provided
$8,600
Approved09/03/2023
795
Experian
$22,500
Approved09/03/2023
847
TransUnion
$22,500
Approved07/08/2024
800
Not Provided
$23,000
Approved06/02/2023
789
TransUnion
$12,000
Approved06/02/2023
791
Experian
$12,000
Approved04/12/2024
772
Not Provided
$20,000
Denied07/16/2024
780
Experian
---

Summary

Cell phone protection is a benefit that we’re seeing on more credit cards today. You’ll want to read your credit card guide to benefits for details on how cell phone protection works. It shouldn’t be the only reason you choose a credit card but it’s certainly a nice perk. All of the cards in this list are valuable for more than just their cell phone protection benefits. They also feature welcome offers, earn high rewards, and many have no annual fee.