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    The 9 Best Credit Cards for Cell Phone Insurance Protection [September 2023]

    The 9 Best Credit Cards for Cell Phone Insurance Protection [September 2023]

    We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    A number 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.

    Top Picks (Quick Summary)

    CardCard Protection LimitsEarnings per Dollar Spent on Cell Phone Bill
    Chase Freedom Flex℠$800 per claim, 2 claims per 12-month period, up to $1,000 total, $50 deductible1 Ultimate Rewards point per dollar
    The Platinum Card® from American Express$800 per claim, maximum 2 claims annually, $1,600 total, $50 deductible1 Amex Membership Rewards point per dollar
    Capital One Venture X Rewards Credit Card(rates and fees)Maximum 2 claims in a 12-month period2 Capital One miles per dollar

    1. Chase Freedom Flex℠ (No Annual Fee Card, Top Pick)

    Chase Freedom Flex℠

    Chase Freedom Flex℠

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.
    Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
    $200
    $0
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    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

    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
    • 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
    • Excellent cell phone insurance
    • Ability to pool points
    • Mastercard World Elite benefits

    Cons

    • 3% foreign transaction fees in U.S. dollars
    • 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 Ultimate Rewards®, 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 20.49%-29.24%.
    • 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

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Chase Ultimate Rewards

    You’ll receive a lot of value with the no-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 1.5 cents per point) when redeeming for travel, plus the ability to transfer points to 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, and a $50 deductible per claim.

    2. The Platinum Card® from American Express

    The Platinum Card® from American ExpressTerms Apply / Rates & Fees

    The Platinum Card® from American Express

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.

    Learn More(at Amex's secure site)

    The Platinum Card® from American Express

    This card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.
    Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
    80,000 points
    $1,760
    $695
    See Pay Over Time APR
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    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

    • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
    • 5x points per $1 spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
    • 5x points per $1 spent on prepaid hotels booked with American Express Travel
    • Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
    • TSA PreCheck or Global Entry credit
    • Access to American Express Fine Hotels and Resorts
    • Access to Amex International Airline Program
    • No foreign transaction fees (rates and fees)

    Cons

    • $695 annual fee (rates and fees)
    • Airline credit does not cover airfare (only incidentals like checked bags)
    • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
    • Earn 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 and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
    • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
    • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
    • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
    • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
    • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
    • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
    • $100 Global Entry Credit: Receive either a $100 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 Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
    • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
    • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
    • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
    • $695 annual fee.
    • Terms Apply.

    Financial Snapshot

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

    Card Categories

    Rewards Center

    American Express Membership Rewards

    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, 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 Amex Travel
    • 5x points per dollar on hotels booked with Amex Travel

    Plus, the Amex Platinum card earns 1x point per dollar on all non-bonused 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.

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

    3. Capital One Venture X Rewards Credit Card

    Capital One Venture X Rewards Credit Card

    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 in's and out's 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.

    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.
    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
    $1,350
    $395
    21.99% - 28.99% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Excellent (740-840)

    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

    • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
    • 5x miles per $1 on flights purchased through Capital One Travel
    • 2x miles per $1 on all other purchases
    • $300 annual travel credit on bookings made through Capital One Travel
    • Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
    • 10,000 bonus miles awarded on your account anniversary each year
    • Global Entry/TSA PreCheck credit
    • Add authorized users for no additional annual fee
    • No foreign transaction fees

     

    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

     

    • 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 booked through Capital One Travel
    • Earn unlimited 2X miles on all other purchases
    • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
    • 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
    • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
    • Receive up to a $100 credit for Global Entry or TSA PreCheck®

    Financial Snapshot

    • APR: 21.99% - 28.99% Variable
    • Foreign Transaction Fees: $0

    Card Categories

    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.

    Cardholders also receive a long list of travel benefits:

    • Complimentary Hertz President’s Circle status: As a Venture X cardholder, get the most out of your car rental with complimentary Hertz President’s Circle® status. Enroll in Hertz Gold Plus Rewards® or upgrade your existing member status to skip the rental counter and choose from the widest selection of cars. Plus, enjoy guaranteed upgrades.
    • Trip Cancellation and Interruption: Add peace of mind to your itinerary.
    • Baggage Delay Reimbursement: Your bags are covered against common carrier-caused loss or theft with Lost Luggage Reimbursement.
    • Trip Delay Reimbursement: Anticipate delays when you purchase air travel with your covered Visa Infinite card, with Trip Delay coverage of up to $500 when you’re stuck for more than six hours or require an overnight stay.
    • Auto Rental Collision Damage Waiver: Count on built-in auto rental coverage. Save money by saying no at the counter – rent with your covered Visa Infinite card and get built-in Auto Rental Coverage

    Cell Phone Insurance Overview

    When you pay your monthly wireless bill with your covered Capital One card, your cell phone is protected for the next calendar month. So, you can get reimbursed if your cell phone is stolen or damaged; just note the $50 deductible.

    4. Delta SkyMiles® Platinum American Express Card

    Delta SkyMiles® Platinum American Express CardTerms 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 in's and out's 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.

    Learn More(at Amex's secure site)

    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.
    Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
    50,000 bonus miles
    $600
    $250
    20.99%-29.99% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    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 Miles (MQMs) that are essential for earning Delta status. This could help you get closer to earning free flights and other valuable rewards.

    Pros

    • New: 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.
    • 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 and U.S. supermarkets
    • 1x SkyMile per $1 spent on all other purchases
    • Annual companion certificate
    • Complimentary checked bags
    • Global Entry or TSA PreCheck application fee statement credit
    • 20% back on inflight purchases
    • Delta Status Boost
    • Discount on Delta Sky Club visits (Effective 1/1/24, this benefit will no longer be available)

    Cons

    • $250 annual fee (rates & fees)
    • Does not earn transferable rewards
    • Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
    • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
    • Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
    • 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.
    • Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family when traveling on a Delta flight from now until 12/31/23. Effective 1/1/24, this benefit will no longer be available.
    • Fee Credit for Global Entry or TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
    • Earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Delta Platinum Card, up to two times through 12/31/23. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
    • No Foreign Transaction Fees.
    • $250 Annual Fee.
    • Terms Apply.

    Financial Snapshot

    • APR: 20.99%-29.99% Variable
    • Foreign Transaction Fees: None

    Card Categories

    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.

    5. Delta SkyMiles® Reserve American Express Card

    Delta SkyMiles® Reserve American Express CardTerms 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 in's and out's 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.

    Learn More(at Amex's secure site)

    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.
    Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months.
    60,000 miles
    $720
    $550
    20.99%-29.99% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Delta SkyMiles® Reserve American Express Card is a stellar option for frequent travelers who always fly with Delta thanks to its lounge access, status boost, 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

    • New: 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.
    • 3x SkyMiles per $1 on Delta purchases
    • 1x SkyMile per $1 on all other purchases
    • Complimentary Delta Sky Club and Amex Centurion Lounge access when flying Delta. Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
    • Delta Status Boost
    • Medallion Qualification Dollar (MQD) Waiver
    • Annual Companion Certificate
    • Access to Complimentary Upgrades and Upgrade Priority
    • Free checked bags
    • 20% back on inflight purchases
    • Global Entry or TSA PreCheck application fee statement credit
    • Travel and purchase protection

    Cons

    • $550 annual fee (rates and fees)
    • No bonus categories other than Delta purchases
    • Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months.
    • Enjoy Delta Sky Club® access at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
    • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
    • With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
    • Eligible 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.
    • Receive a domestic First Class, Delta Comfort+® or domestic Main Cabin round trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
    • Fee Credit for Global Entry or TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
    • Enjoy your first checked bag free on Delta flights.
    • Earn 3X Miles on Delta purchases.
    • Earn 1X Mile on all other eligible purchases.
    • No Foreign Transaction Fees.
    • $550 Annual Fee.
    • Terms Apply.

    Financial Snapshot

    • APR: 20.99%-29.99% Variable
    • Foreign Transaction Fees: None

    Card Categories

    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.

    *Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

    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.

    The 4 Best Business Credit Cards That Offer Cell Phone Insurance

    Looking for a business credit card that offers cell phone insurance for you and your employees? Consider the following options.

    CardCell Phone ProtectionEarnings per Dollar Spent on Cell Phone Bill
    The Business Platinum Card® from American Express$1,600 in claims, 2 claims annually, $800 per claim maximum, $50 deductible1 Amex Membership Rewards point per dollar
    Delta SkyMiles® Platinum Business American Express Card

    Delta SkyMiles® Reserve Business American Express Card

    		1 Delta SkyMile per dollar
    Ink Business Preferred® Credit Card$3,000 in claims, 3 claims annually, $1000 per claim maximum, $100 deductible3 Ultimate Rewards points per dollar

    1. The Business Platinum Card® from American Express (Top Business Card Pick)

    OUR BEST OFFER
    The Business Platinum Card® from American ExpressTerms 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 in's and out's 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!

    Learn More(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!
    Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
    120,000 points
    $2,640
    $695
    19.49% - 27.49% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    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 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

    Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

    Pros

    • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
    • Up to $200 annual airline fee credit on your selected qualifying airline
    • Statement credits on select purchases with your card
    • 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
    • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
    • Global Entry or TSA PreCheck application fee credit
    • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
    • Access to Amex’s Fine Hotels & Resorts program

    Cons

    • High annual fee of $695 (rates and fees)
    • Airline fee credit does not cover airfare, only incidentals like checked bags
    • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
    • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
    • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
    • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
    • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
    • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
    • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
    • $695 Annual Fee.
    • Terms Apply.

    Financial Snapshot

    • APR: 19.49% - 27.49% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    American Express Membership Rewards

    Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 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 and Marriott elite status upon enrollment, up to $400 annual Dell credit, plus excellent travel and purchase protections.

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

    • 5x points on flights and hotels purchases through Amex Travel
    • 1.5x points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year)

    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.

    2. Delta SkyMiles® Platinum Business American Express Card

    LIMITED-TIME OFFER
    Delta SkyMiles® Platinum Business American Express CardTerms 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 in's and out's 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.

    Learn More(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.
    Limited Time Offer: Earn 90,000 Bonus Miles after you spend $8,000 in purchases on your new Card in your first 6 months. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/23.
    Up to 100,000 miles
    $1,200
    $250
    20.99% - 29.99% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    As a small business owner and frequent Delta flyer, the Delta SkyMiles® Platinum Business American Express Card is your go-to credit card.

    You like knowing you’re earning double the SkyMiles for purchases with Delta; benefits like no foreign transaction fees, priority boarding, and a free checked bag each flight only sweeten the deal.

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

    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 50,000 additional SkyMiles per calendar year
    • 1x SkyMile per $1 on all other purchases
    • Main Cabin 1 Priority Boarding
    • Earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the Miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available
    • First checked bag free
    • Annual companion certificate
    • 20% discount on inflight purchases
    • Reduced Delta Sky Club visit rate. Effective 1/1/24, this benefit will no longer be available
    • Global Entry or TSA PreCheck application fee statement credit
    • Trip delay insurance
    • Baggage insurance
    • Rental car insurance
    • Purchase protection and extended warranty coverage

    Cons

    • Limited Time Offer: Earn 90,000 Bonus Miles after you spend $8,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/23.
    • 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.
    • You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
    • Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per Calendar year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and hotels instead of 1.5X).
    • Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family while flying together on Delta. Effective 1/1/24, this benefit will no longer be available.
    • With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
    • Terms and limitations apply.

    Financial Snapshot

    • APR: 20.99% - 29.99% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Delta Air Lines SkyMiles Frequent Flyer Program

    <ul><li><a href="/credit-cards/reviews/platinum-delta-skymiles-business-credit-card-american-express/benefits/">Benefits of the Amex Delta Platinum Business Card</a></li><li><a href="/credit-cards/business/best-amex-business-credit-cards/">Best American Express Business Credit Cards</a></li><li><a href="/credit-cards/american-express-delta-credit-cards/">Comparison of Amex Delta Credit Cards</a></li><li><a href="/credit-cards/best-credit-cards-for-delta-flyers/">Best Credit Cards for Delta Flyers</a></li><li><a href="/credit-cards/business/how-to-apply-and-qualify-for-a-small-business-credit-card/">How To Apply &amp; Qualify for a Small Business Credit Card</a></li><li><a href="/credit-cards/targeted-delta-business-cards-sign-up-bonuses/">Find a Targeted Welcome Bonus Offer on Delta Business Credit Cards</a></li></ul>

    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.

    3. Delta SkyMiles® Reserve Business American Express Card

    LIMITED-TIME OFFER
    Delta SkyMiles® Reserve Business American Express CardTerms 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 in's and out's 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.

    Learn More(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.
    Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.
    Up to 110,000 miles
    $1,320
    $550
    20.99% - 29.99% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    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

    • Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
    • Complimentary Delta Sky Club access when flying Delta and 2 Delta Sky Club 1-time guest passes (through February 1, 2025)
    • Complimentary Amex Centurion Lounge access when flying Delta
    • Access to complimentary flight upgrades

    Cons

    • High annual fee
    • Does not earn many miles for purchases outside of Delta spend
    • Rewards are not transferable
    • Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.
    • Save 15% On Award Travel With TakeOff 15. Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
    • With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections.* You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together. *Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
    • When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
    • After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
    • Enjoy 3x miles per dollar on Delta purchases.
    • With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status.* MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.*Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more.
    • Terms and limitations apply.

    Financial Snapshot

    • APR: 20.99% - 29.99% Variable
    • Foreign Transaction Fees: None

    Card Categories

    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 and Delta Sky Clubs when flying Delta.

    *Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

    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. Cardholders 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.

    4. Ink Business Preferred® Credit Card (Best Chase Business Card)

    NEW OFFER
    Ink Business Preferred® Credit 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 in's and out's 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.

    Learn More(at Chase's secure site)

    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.
    Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash-back or $1,250 toward travel when redeemed through Chase Ultimate Rewards.
    100,000 points
    $2,000
    $95
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    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

    • 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
    • Trip cancellation and interruption insurance
    • Rental car insurance
    • Extended warranty coverage

    Cons

    • No elite travel benefits like airport lounge access
    • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
    • 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 25% more when you redeem for travel through Chase Ultimate Rewards®
    • 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

    • Foreign Transaction Fees: None

    Card Categories

    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 Services 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.

    Tips for Filing a Cell Phone Protection Claim

    Damaging your phone or having it stolen is already a stressful experience — don’t make things 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.

    For the Capital One products listed on this page, some of the above benefits are provided by Visa® and may vary by product. Please refer to the Guide to Benefits for details, as terms and exclusions apply

    For the cell phone protection benefit of The Platinum Card® from American Express, 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, 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.

    For the cell phone protection benefit of the Delta SkyMiles® Platinum American Express 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 cell phone protection benefit of the Delta SkyMiles® Reserve American Express 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 cell phone protection benefit of The Business Platinum Card® from American Express, 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 Business Platinum Card® from American Express, 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.

    For the cell phone protection benefit of the Delta SkyMiles® Platinum Business American Express 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 cell phone protection benefit of the Delta SkyMiles® Reserve Business American Express 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.

    The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

    For rates and fees of The Platinum Card® from American Express, click here.
    For rates and fees of the Delta SkyMiles® Platinum American Express Card, click here.
    For rates and fees of Delta SkyMiles® Reserve American Express Card, click here.
    For rates and fees of The Business Platinum Card® from American Express, click here.
    For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, click here.
    For rates and fees for the Delta SkyMiles® Reserve Business American Express Card, click here.

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