The 11 Best Credit Cards for Cell Phone Insurance Protection [2025]

Cell phones — we all have one, but let’s be honest: they’re crazy expensive.

In years past, flagship smartphones would sell for $600 to $800 depending on storage size, but now you’re more likely to pay upwards of over $1,000. Upgrade to more storage and a larger screen, and you’re paying top dollar.

Because the loss, damage, or theft of your cell phone can be expensive and inconvenient, now’s the time to secure protection that could help offset the economic damage should such an occurrence occur.

Often, you can purchase cell phone insurance from your phone carrier, but that requires a hefty up-front fee (think AppleCare+) or a monthly charge from your carrier. When it comes time to actually use the insurance, you may still be stuck paying a high deductible.

Thankfully, a slew of credit cards offer complimentary cell phone insurance when you pay your phone bill with the card. The best part is that this insurance is free — there’s no added monthly fee, though you may be required to pay a small deductible to use it.

In this article, we’ll look at some of the best credit cards that offer cell phone insurance and determine if that coverage might be a sufficient alternative to purchasing coverage. We’ll give you a quick overview of each card and explain the associated cell phone insurance benefits you can expect to receive with the card.

Let’s get started!

Card Summary

Now, let’s take a look at the best credit cards that offer cell phone insurance. We’ve summarized the cards and cell phone coverage in the table below, then added card and coverage details in the following paragraphs.

What Is Credit Card Cell Phone Protection?

Cell phone insurance is exactly what it sounds like — an insurance plan for your cell phone. As discussed above, this is slowly becoming a more common credit card benefit.

Most of the time, credit card cell phone insurance is secondary to any other coverage you might have. For example, you may have a monthly protection plan you purchase from your phone carrier, or perhaps there’s cell phone coverage on your homeowner’s or renter’s insurance policy. You’d have to claim this insurance before claiming your credit card benefits.

Many credit cards have other limitations, such as not covering a lost phone. Instead, cell phone insurance usually covers things like theft and damage — more on that later.

Who’s Covered

Most credit card cell phone protection will cover the phones associated with the monthly service bills you pay with your eligible card. In other words, the phone numbers must typically be listed on the monthly bill to be covered by your credit card’s insurance plan. This makes credit card cell phone insurance extremely valuable for family plans, as everyone on the plan will be covered.

Some card issuers limit the number of additional lines covered, such as Citi, which has a limit of 4 additional lines, while others can be unlimited. Make sure to double-check these limits if you have a large family plan.

What’s Covered

Most credit card coverage comes with a deductible that you must pay when you claim the insurance benefit — this can range from $25 to $100 and is usually deducted from the insurance payout.

Also, if you have cell phone coverage other than that on your credit card, that coverage will be primary before the credit card coverage kicks in. With this in mind, you may decide to forgo coverage from your carrier or the manufacturer when you purchase your cell phone.

Standard covered losses include accidental damage that makes your phone less functional or non-functional, water damage, and most cases of theft.

To cover your phone, you must pay your monthly cell phone bill with your credit card. Coverage typically takes effect on the first of the month after you start paying the monthly service on your card.

What’s Typically Not Covered

As with most protection, more losses are not covered than are covered. Here’s a list of common exclusions for cell phone protection found on your credit card:

• Phone accessories
• Phones purchased for resale
• Mysterious disappearance
• Phones stolen from carry-on baggage or under the control/care of a common carrier
• Cosmetic damage to the phone
• Pay-as-you-go, prepaid, leased, borrowed, or rented phones
• Intentional or illegal acts
• Voluntary parting with the phone (involuntary and accidental parting may be covered)
• Replacement phones not purchased from the retailer
• Taxes, delivery, and transportation fees

Bottom Line: You can cover more cell phones than just your own by paying for the monthly service with your eligible card. Plus, theft and damage are the most common losses covered, while the act of losing your phone may or may not be covered. Coverage specifics solely depend on the credit card’s coverage terms and conditions. 

The 6 Best Personal Cards That Offer Cell Phone Insurance

Amex Platinum Card (Best for Cosmetic Damage & Premium Benefits)

+ NEW BENEFITS

Terms Apply / Rates & Fees

Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards^® Points after spending $8,000 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.

As High As 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$895

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than the Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com

Cons

• $895 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $8,000 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.
• 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.
• More Value! 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.
• More Value! $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.
• More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card^® at participating partners. Enrollment required.
• More Value! $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.
• New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card^® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. 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, enrollment required.
• More Value! $209 CLEAR^® Plus Credit: CLEAR^® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $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.
• Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
• New! $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.
• $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.
• $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card^®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
• 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.
• $895 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Apply and find out if you’re eligible for a welcome bonus offer of as high as 175,000 points with the Amex Platinum. Welcome offers may vary and you may not be eligible for an offer.

The Amex Platinum card is one of the best travel cards on the market thanks to its jam-packed, excellent benefits like the most access to airport lounge networks, rental car benefits, hotel elite status with Marriott and Hilton upon enrollment, statement credits for specific purchases, and even cell phone insurance!

Frequent flyers will love the earn rates on the Amex Platinum card, which include:

• 5x points per dollar on flights booked directly with airlines or AmexTravel.com (on up to $500,000 per year, then 1x)
• 5x points per dollar on hotels booked with AmexTravel.com

Plus, the Amex Platinum card earns 1x point per dollar on all other eligible purchases.

Cell Phone Insurance Overview

With your Amex Platinum card, you’ll receive up to $1,600 in cell phone protection against theft and damage per 12-month period, including cosmetic damage like cracks to your phone screen. Coverage is limited to up to 2 claims per year with a total of $800 per claim. You’ll be responsible for a $50 deductible each time you submit a claim.

To receive this coverage, you’ll need to pay your monthly phone bill with your Amex Platinum card.

Capital One Venture X Card (Best for Most Miles Earned on Cell Bills)

Terms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Apply Now(at Capital One's secure site)

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$395

APR

Purchases: 19.99% - 28.99% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent (740-840)

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®

Financial Snapshot

• APR: Purchases: 19.99% - 28.99% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

We like that the Capital One Venture X card nearly pays for itself with a $300 annual credit for using Capital One Travel for your purchase. Add in the additional value of 10,000 miles at card renewal, and you’ll find the card delivers enough value to more than offset the fee.

In addition to a long list of travel benefits and protections such as worldwide lounge access, primary rental car coverage, trip cancellation/interruption/delay, baggage insurance, and roadside assistance, you’ll also find the card has excellent cell phone protection.

Cell Phone Insurance Overview

First, you’ll want to pay your monthly bill with your card. Then, you’ll have up to $800 in coverage if your phone is lost or stolen. There is a limit of 2 claims per 12-month period, a maximum of $1,600 total, and you’ll pay a $50 deductible for each claim.

Delta Platinum Card (Best for Frequent Delta Flyers)

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Delta SkyMiles^® Platinum American Express Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Frequent Delta travelers will enjoy this card's bonus categories, benefits, and ability to reach higher levels of elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Delta SkyMiles^® Platinum American Express Card

Frequent Delta travelers will enjoy this card's bonus categories, benefits, and ability to reach higher levels of elite status.

Welcome Offer

Earn 90,000 Bonus Miles after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.

90,000 miles

UP's Offer Valuation*:

Up to $1,080

Annual Fee

$350

APR

19.99%-28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Delta SkyMiles^® Platinum American Express Card can be a great option for those seeking additional ways to obtain a higher level of status — or to maintain their current status — with the airline.

A key feature of this card is the ability to earn bonus Medallion Qualification Dollars (MQDs) that are essential for earning Delta status. This could help you get closer to earning a handful of valuable benefits with the airline.

Pros & Cons

Pros

• 3x SkyMiles per $1 spent on Delta purchases
• 3x SkyMiles per $1 spent on purchases made directly with hotels
• 2x SkyMiles per $1 spent at restaurants (including takeout and delivery) and U.S. supermarkets

Cons

• $350 annual fee (rates & fees)
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Earn 90,000 Bonus Miles after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
• Receive a Companion Certificate on a Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
• Receive $2,500 Medallion^® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $20 in purchases on your Delta SkyMiles^® Platinum American Express Card with MQD Boost to get closer to Status next Medallion Year.
• Delta SkyMiles^® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
• Earn 1X Miles on all other eligible purchases.
• $120 Resy Credit: Get up to $10 in statement credits each month after you pay with your enrolled Delta SkyMiles^® Platinum American Express Card to dine at U.S. Resy restaurants or make other eligible Resy purchases.
• $120 Rideshare Credit: earn up to $10 in statement credits each month after using your Delta SkyMiles^® Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required.
• Enjoy your first checked bag free on Delta flights and save up to $70 per person on a round-trip Delta flight.
• Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck^® (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles^® Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Delta SkyMiles^® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• No Foreign Transaction Fees.
• $350 Annual Fee.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 19.99%-28.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Delta Air Lines SkyMiles

An excellent option for Delta flyers, the Delta Platinum card offers benefits like free checked bags, discounts on inflight purchases, an annual companion certificate, and much more.

The card also earns Delta SkyMiles on the following purchases:

• 3x SkyMiles per dollar on Delta and eligible hotel purchases
• 2x SkyMiles per dollar at restaurants and U.S. supermarkets

You’ll also receive 1 SkyMile per dollar on all other eligible purchases that fall outside of the above categories.

Cell Phone Insurance Overview

The Delta Platinum card includes up to $1,600 in cell phone protection against theft and damage per 12-month period, including cosmetic damage, which is not often covered with most plans. You can submit up to 2 claims per year for a total of $800 per claim, and keep in mind that each claim will come with a deductible of $50.

As with the other cards mentioned, you’ll need to pay your cell phone bill with your Delta Platinum card to be eligible for the coverage.

Delta Reserve Card (Best for Frequent Delta Flyers & Lounge Access)

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Delta SkyMiles^® Reserve American Express Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Delta SkyMiles^® Reserve American Express Card

Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.

Welcome Offer

Earn 125,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.

125,000 miles

UP's Offer Valuation*:

Up to $1,500

Annual Fee

$650

APR

19.99%-28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Delta SkyMiles^® Reserve American Express Card is a stellar option for frequent travelers who always fly with Delta thanks to its MQD Headstart towards status boost, lounge access, annual companion certificate, and many other great benefits.

Here is a full look at everything the Delta Reserve card can offer to you to help you decide whether the card deserves a place in your wallet.

Pros & Cons

Pros

• 3x SkyMiles per $1 on Delta purchases.
• 1x SkyMile per $1 on all other eligible purchases.
• Card Members get 15% off when using miles to book Award Travel on Delta flights.

Cons

• $650 annual fee (rates & fees)
• No bonus categories other than Delta purchases

Read Full Review

Card Highlights

• Earn 125,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
• Delta SkyMiles^® Reserve American Express Card Members receive 15 Visits per Medallion^® Year to the Delta Sky Club^® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
• Enjoy complimentary access to The Centurion^® Lounge when you book a Delta flight with your Reserve Card.
• Receive $2,500 Medallion^® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles^® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
• Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
• $240 Resy Credit: When you use your Delta SkyMiles^® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
• $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles^® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
• Delta SkyMiles^® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• With your Delta SkyMiles^® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
• Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• $650 Annual Fee.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 19.99%-28.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Delta SkyMiles Airline Loyalty Program

The Delta Reserve card is a must-have for Delta loyalists. The card offers access to Delta Sky Clubs and Amex Centurion Lounges when flying Delta, and you’ll also receive complimentary upgrades on Delta flights, an annual companion certificate, priority boarding, and more.

Delta Reserve card members receive 15 visits per year to the Delta Sky Club; to earn an unlimited number of visits each year, the total eligible purchases on the Card must equal $75,000 or more each calendar year.

The Delta Reserve card has just 1 bonus category that allows you to earn 3x SkyMiles per dollar on all Delta purchases. Still, you’ll receive 1 SkyMile per dollar on all other eligible purchases.

Cell Phone Insurance Overview

As with the Delta Platinum card, the Delta Reserve card also includes up to $1,600 in cell phone protection per 12-month period, including cosmetic damage. You can submit up to 2 claims per year for a total of $800 per claim, and keep in mind that each claim will come with a deductible of $50.

Again, you’ll need to pay your cell phone bill with your Delta Reserve card to be eligible for the coverage.

Wells Fargo Autograph Card (Best for Bonus Categories)

The Wells Fargo Autograph card is a great option for those who want a card that offers cell phone protection that’s also great at earning points on a wide variety of purchases.

With it, you’ll earn 3x points per dollar spent on restaurants, travel, gas stations, transit, popular streaming services, and, notably, on your phone plan.

The card offers other great perks as well, like no annual fee, no foreign transaction fees, flexible redemption options, rental car insurance, and more.

Cell Phone Insurance Overview

When you pay your monthly cell phone bill with the Wells Fargo Autograph card, you’ll receive up to $1,200 in coverage in a rolling 12-month period if your phone is damaged, stolen, or unrecoverable due to involuntary and accidental parting. Note that this policy does not include cosmetic repairs like a cracked screen.

You can receive up to $600 in coverage per claim, with up to 2 claims every 12 months, and you’ll need to pay a $25 deductible per claim.

Freedom Flex Card (Best for No Annual Fee)

Chase Freedom Flex^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Chase Freedom Flex^®

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Welcome Offer

Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.

$200

Annual Fee

$0

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Chase Freedom Flex^® sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros & Cons

Pros

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%
• Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
• No annual fee

Cons

• 3% foreign transaction fees in U.S. dollars

Read Full Review

Card Highlights

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74%-28.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex^® card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

You’ll receive a lot of value with the $0-annual-fee Freedom Flex card. With 5% earnings on rotating quarterly bonus categories, plus elevated earnings for purchases on the Chase Travel portal, dining, and at drugstores, there are plenty of ways to earn cash-back and Ultimate Rewards points.

Pair the card with a Chase premium card, and you’ll have access to increased value (up to 2 cents per point) when redeeming for select flights and hotels through Points Boost, plus the ability to transfer points to Chase travel partners for even greater potential value.

Cell Phone Insurance Overview

Pay your monthly cell phone bill with your card and receive coverage for theft and damage. There is a maximum of $800 per claim, a limit of 2 claims per 12-month period for a total of $1,000, and a $50 deductible per claim.

Hot Tip: Cell phone protection is a World Elite Mastercard benefit, but not all World Elite Mastercards offer the benefit. The specific financial institution that issues the card will decide whether to include it as one of the benefits. If your card has the coverage, you can expect up to $800 per claim, a maximum of 2 claims each year for a total of $1,000, and each claim will have a $50 deductible. 

The 5 Best Business Cards That Offer Cell Phone Insurance

Are you looking for a business credit card offering cell phone insurance for you and your employees? Consider the following options:

Amex Business Platinum Card (Top Pick: Best Business Card for Cosmetic Damage & Premium Benefits)

ELEVATED WELCOME OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome Offer

Earn 150,000 200,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

150,000 200,000 points

UP's Offer Valuation*:

Up to $4,400

Annual Fee

$895

APR

18.24% - 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,550 lounges, along with tons of annual credits, it’s easy to see why this card is a top option for frequent traveling business owners.

Pros & Cons

Pros

• Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
• Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
• Earn 2x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)

Cons

• High annual fee of $895 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

• Elevated Welcome Offer: Earn 200,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Business Platinum Card^® within the first 3 months of Card Membership.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
• See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
• New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
• Make the Business Platinum Card^® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
• Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal).
• Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
• New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
• New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
• Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
• Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
• Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• 5X points on flights and prepaid hotels on AmexTravel.com
• 1X points on other eligible purchases
• $895 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 18.24% - 28.99% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 250,000 points with the Amex Business Platinum card. The current public offer is 150,000 200,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Business owners looking for a great travel card that also offers cell phone insurance will be hard-pressed to find a better option than the Amex Business Platinum card. With it, you’ll receive access to the best-in-class American Express Global Lounge Collection, Hilton, Marriott, and The Leading Hotels of the World elite status upon enrollment, business-focused statement credits, plus excellent travel and purchase protections.

It also comes with an up-to-$200 Hilton statement credit. Once you enroll, you’ll receive up to $200 in Hilton statement credits per calendar year — up to $50 per quarter. Purchases must be made directly with a property in the Hilton portfolio on your Amex Business Platinum card, and a Hilton for Business membership is required.

With your Amex Business Platinum card, you’ll earn rewards at these rates:

• 5x points on flights, prepaid hotels, and short-term rentals booked at AmexTravel.com.
• 2x points on eligible purchases in key U.S. business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year); 1x on all other eligible purchases

Cell Phone Insurance Overview

The cell phone insurance coverage provided with the Amex Business Platinum card is top-notch, giving cardholders up to $1,600 in cell phone protection each year. Better yet, the coverage includes cosmetic damages to your phone, like a cracked screen, which is something that many other phone insurance policies exclude.

Amex Business Platinum cardholders can make 2 claims per year for themselves or any employee phone, and each claim will cover up to $800 in damages after paying a deductible of just $50. Of course, you’ll need to pay your monthly cell phone bill with your Amex Business Platinum card to receive the coverage.

Amex Business Gold Card (Best Business Card for Earning Amex Points)

ELEVATED OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Apply Now(at Amex's secure site)

American Express^® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Welcome Offer

Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

100,000 points

UP's Offer Valuation*:

Up to $2,200

Annual Fee

$375

APR

18.24% - 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons

Pros

• 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
• 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Access to Amex’s The Hotel Collection

Cons

• $375 annual fee (rates and fees)
• No elite travel benefits like airport lounge access or elite status

Read Full Review

Card Highlights

• Welcome Offer: Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
• The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
• *Terms Apply

Financial Snapshot

• APR: 18.24% - 28.99% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Business owners who want to earn lots of Membership Rewards points in addition to getting great cell phone coverage should look to the Amex Business Gold card.

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

• Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
•  U.S. purchases made from electronic goods retailers and software & cloud system providers
• Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
• U.S. purchases at gas stations
• U.S. purchases at restaurants, including takeout and delivery
• Purchases at U.S. media providers for advertising in select media (online, TV, radio)

The Amex Business Gold card also earns 3x points on flights and prepaid hotels purchased through AmexTravel.com.

Plus, this card comes with up to $395 in annual statement credits. Cardholders can earn up to $20 back per month for eligible purchases at FedEx, Grubhub, and office supply stores, and up to $155 back annually for a monthly Walmart+ membership. Note that enrollment is required for both benefits.

Cell Phone Insurance Overview

Just as with the coverage on the Amex Business Platinum card, the Amex Business Gold card comes with up to $1,600 in cell phone protection each year. Unlike many other phone insurance policies, this coverage includes cosmetic damages like a cracked screen.

Amex Business Gold cardholders can make 2 claims per year for themselves or an employee phone. Each claim covers up to $800 in damages after paying a $50 deductible. To receive coverage, your monthly cell phone bill must be paid with your Amex Business Gold card.

Delta Platinum Business Card (Best Business Card for Frequent Delta Flyers)

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Delta SkyMiles^® Platinum Business American Express Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.

Apply Now(at Amex's secure site)

Delta SkyMiles^® Platinum Business American Express Card

Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.

Welcome Offer

• Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.

100,000 miles

UP's Offer Valuation*:

Up to $1,200

Annual Fee

$350

APR

19.99% - 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

Small business owners and frequent Delta flyers can make the Delta SkyMiles^® Platinum Business American Express Card your go-to credit card.

Cardholders earn 3x SkyMiles per dollar for purchases with Delta and access benefits, including no foreign transaction fees, priority boarding, and a free checked bag for each flight (rates & fees).

Plus, you can redeem your SkyMiles for travel on Delta and its partner airlines, saving you money. It’s a no-brainer!

Pros & Cons

Pros

• Save 15% on award travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees
• 3x SkyMiles per $1 spent on Delta and hotel purchases
• 1.5x SkyMiles per $1 spent on purchases of $5,000 or more, up to $100,000 per year

Cons

• $350 annual fee
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
• Enjoy a Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
• Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
• Get closer to elevated Status next Medallion^® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles^® Platinum Business American Express Card.
• Delta SkyMiles^® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
• Earn up to $10 back each month after using your enrolled Delta SkyMiles^® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
• Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles^® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Terms and limitations apply.

Financial Snapshot

• APR: 19.99% - 28.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Delta Air Lines SkyMiles Frequent Flyer Program

Business owners who spend a lot of time flying with Delta will love the benefits of the Delta Platinum Business card, like the annual companion certificate and free checked bags.

With the Delta Platinum Business card, you’ll earn on the following purchases:

• 3x miles per dollar on Delta and hotel purchases
• 1.5x miles per dollar on purchases over $5,000

You’ll also receive 1 mile per dollar on all purchases that fall outside the above categories.

Cell Phone Insurance Overview

Just like the personal version of the card, the Delta Platinum Business card offers cardholders up to $1,600 in cell phone protection against theft and damage per 12-month period. You can submit up to 2 claims per year, with a maximum of $800 per claim and a $50 deductible per claim.

To receive this coverage, you’ll need to pay for your business’s monthly cell phone bill with the Delta Platinum Business card.

Delta Reserve Business Card (Best Business Card for Frequent Delta Flyers & Lounge Access)

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Delta SkyMiles^® Reserve Business American Express Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

Apply Now(at Amex's secure site)

Delta SkyMiles^® Reserve Business American Express Card

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

Welcome Offer

Limited Time Offer: Earn 125,000 Bonus Miles after spending $15,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.

125,000 miles

UP's Offer Valuation*:

Up to $1,500

Annual Fee

$650

APR

19.99% - 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Delta SkyMiles^® Reserve Business American Express Card is a premium card option for small business owners who are both frequent travelers and Delta loyalists.

While the annual fee may be steep, the card comes loaded with perks and benefits that all frequent Delta flyers are sure to love. Let’s take a look at what makes the card unique, and why it may be a great fit for your wallet.

Pros & Cons

Pros

• 3x miles per dollar on Delta purchases
• 1.5x miles per dollar on eligible transit, U.S. shipping and office supply stores, plus all eligible purchases after you spend $150,000 in a year
• Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.

Cons

• High annual fee
• Does not earn many miles for purchases outside of Delta spend

Read Full Review

Card Highlights

• Limited Time Offer: Earn 125,000 Bonus Miles after spending $15,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
• Delta SkyMiles^® Reserve Business Members receive 15 Visits each Medallion^® Year to the Delta Sky Club^® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
• Earn 3 miles per dollar on eligible Delta purchases.
• Get closer to elevated Status next Medallion^® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion^® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles^® Reserve Business American Express Card.
• Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
• With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
• Earn up to $10 back each month after using your enrolled Delta SkyMiles^® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
• Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
• Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
• As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a group of four that’s a potential savings of up to $280 per round-trip flight.
• When you purchase a Delta flight with your Delta SkyMiles^® Reserve Business Card, you will receive complimentary access to The Centurion^® Lounge or Escape Lounge.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles^® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles^® Reserve Business American Express Card.
• Terms and limitations apply.

Financial Snapshot

• APR: 19.99% - 28.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Delta SkyMiles Frequent Flyer Program

Any business owner who is Delta frequent flyer should consider adding the Delta Reserve Business card to their wallet. It offers cell phone insurance and gives you access to complimentary upgrades, along with Amex Centurion Lounges access, and 15 Delta Sky Club visits per year when flying Delta.

It’s important to note that in order to earn an unlimited number of Visits each year, the total eligible purchases on the Card must equal $75,000 or more each calendar year.

Plus, you’ll earn 3x miles per dollar on all Delta purchases and 1 mile per dollar on all other purchases. However, once you’ve spent $150,000 on the card, your non-Delta purchases will begin to earn 1.5 miles per dollar, making it an excellent option for Delta loyalists with a lot of expenses.

Cell Phone Insurance Overview

The cell phone coverage on the Delta Reserve Business card is the same as all of the other Delta cards included in our list, with up to $1,600 in cell phone protection per 12-month period. Cardmembers can submit 2 claims per year, up to $800 per claim, and each claim includes a deductible of $50.

Like the other Delta cards, you’ll need to pay your monthly phone bill with your Delta Reserve Business card to use the cell phone insurance coverage.

Ink Business Preferred Card (Best Chase Business Card)

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome Offer

Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

90,000 points

UP's Offer Valuation*:

$1,800

Annual Fee

$95

APR

19.99% - 25.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection

Cons

• No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Financial Snapshot

• APR: 19.99% - 25.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

While some personal credit cards offer cell phone protection, you can receive both protection and greater earnings with select business credit cards.

The Ink Business Preferred card is one of the best Chase business credit cards (or any business card!) on the market and also one of the best for cell phone protection.

The card earns Ultimate Rewards points on each purchase and has several 3x point categories (up to $150,000 in spend), including:

• Travel
• Shipping purchases
• Internet, cable, and phone services (yes, this includes your cell phone bill!)
• Advertising purchases with social media sites and search engines

This means that you can earn up to 450,000 Ultimate Rewards points per year in these bonus categories alone. These points can be transferred to several airline and hotel partners, meaning you can redeem them for business class tickets to Europe, suites at Hyatt hotels, and more! Check out our article on the best Chase Ultimate Rewards redemptions for more info.

Plus, an attractive welcome bonus and a slew of other benefits make this card one of the most rewarding credit cards for small and medium-sized business owners.

Cell Phone Insurance Overview

Not only do you earn 3 points per dollar when you pay your cell phone bill with the Ink Business Preferred card, but you also get complimentary cell phone insurance. Chase will reimburse you up to $1,000 per claim, and you can make up to 3 claims per year. There is a $100 deductible attached to each claim, so you’re effectively getting $900 in value from each claim.

As you’d expect, this coverage covers both theft and damage, and you’re responsible for paying the excess on claims that are over $1,000. Regardless, this can be an excellent benefit, especially if you have employees with company-issued cell phones.

Filing a claim is easy, too. Just head to the Card Benefit Claims website, and you’ll be prompted to sign in with your credit card info. After signing in, upload the requested documentation and submit your claim. You should hear back from Chase within a couple of weeks regarding your claim’s status; if approved, you’ll be paid via a check in the mail.

Hot Tip: To learn about other business credit cards that offer cell phone protection and earn rewards when paying your monthly bill, check out our guide.

Limited Cell Phone Protection via Purchase Protection Coverage

If you purchased your cell phone with a credit card that offers purchase protection, you might have a limited period of coverage if your phone is lost, damaged, or stolen — but only within a certain amount of time from the day of purchase.

For protection to be valid on your cell phone, you must have paid for the phone in full with your eligible card and/or rewards points earned on that card. The following are some of the most popular cards that provide purchase protection that can cover a cell phone in the first few months of ownership:

Hot Tip: If your cell phone is damaged or stolen within the first few months of ownership and you purchased it with a card that offers purchase protection, you may have coverage available.

Limited Cell Phone Protection With Extended Warranty Coverage

Further, some credit cards offer extended warranty protection. This coverage generally extends the manufacturer’s warranty for an additional year or more on eligible items (including cell phones). However, things like theft and accidental damage are usually not covered by this benefit, only the perils listed in the original warranty, such as manufacturer’s defects, etc.

Dozens of credit cards offer extended warranty coverage — way too many to list here. You can determine if your card has this coverage by calling the number on the back of your card, accessing your card account online, or referencing the Guide to Benefits that came with your card.

Here’s how coverage breaks down by card issuer:

Bottom Line:

Even if your card does not offer cell phone protection, you may find coverage, depending on the timing and type of loss, under your card’s purchase protection or extended warranty coverage. 

Tips for Filing a Cell Phone Protection Claim

Damaging your phone or having it stolen is already a stressful experience — don’t make things even more stressful by filling out your claim improperly.

Make sure to include the following in your credit card cell phone insurance claim:

• Take note of the details of the incident (where, when, etc.)
• If your phone was damaged, do not throw it away; you may be asked to send it to the claim administrator
• If your phone was stolen, obtain a police report as soon as possible
• To quickly start the claim process, call the number on the back of your card, and they can transfer you to the claim administrator so that you can request a claim form
• Pay attention to deadlines — you have a limited amount of time (usually 60 days, but possibly less) to file a claim and ensure the claim administrator receives all the required documents

Knowing what you might need to file a cell phone claim could save you some serious time and frustration.

You may be asked to provide any of the following:

• Completed and signed claim form
• A copy of your bill showing that the monthly service for the phone for which you’re making a claim was paid for with your eligible card
• An itemized repair estimate
• The damaged phone
• Receipt for a replacement phone, if applicable
• Documentation of any other insurance claim settlement
• Substantiation of the time, place, and cause of the damage/theft
• Documentation of the original price of the cell phone

Final Thoughts

Each of these cards offers good cell phone insurance, so it’s up to you to determine which card fits your spending mix, has redemption options that fit your priorities, and offers other benefits you can actually use.

In short, examine your spending habits and find which of these credit card’s bonus earning categories best aligns with your usual spending. Then, apply for the card and move your cell phone plan’s billing to autopay from your new credit card. Now, you’ll earn valuable travel rewards or cash-back and protect your cell phone from damage and theft at the same time.

Note that this list is not an all-encompassing collection of every credit card that offers cell phone protection, just some of the most popular cards.

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For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For the cell phone protection benefit of the Platinum Card^® from American Express, The Business Platinum Card^® from American Express, Delta SkyMiles^® Platinum American Express Card, Delta SkyMiles^® Reserve American Express Card, Delta SkyMiles^® Platinum Business American Express Card, Delta SkyMiles^® Reserve Business American Express Card, and American Express^® Business Gold Card, 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. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG company.

For the purchase protection benefit of the Platinum Card^® from American Express, The Business Platinum Card^® from American Express, and American Express^® Gold Card, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.