topic Re: Cell phone protection on a 2% cash back card (WA state) in Credit Cards

Cell phone protection on a 2% cash back card (WA state)

Remedios — Sun, 26 Apr 2020 17:48:44 GMT

Inspirus CU offers plain 2% cash back card, but it does have cell phone protection.

https://www.inspiruscu.org/banking-for-you/visa-signature-card

Re: Cell phone protection on a 2% cash back card (WA state)

Eagered2succeed — Sun, 26 Apr 2020 17:58:40 GMT

Nice to see more 2% cashback cards coming into the fold and with cellphone protection that's rare. Thanks for sharing.

Re: Cell phone protection on a 2% cash back card (WA state)

Anonymous — Sun, 26 Apr 2020 18:26:30 GMT

This is the lower end though, $250 with $50 deductible. Certainly better than nothing.... Basically you just have decide how much is the insurance worth relative to your bill and alternatives. I currently have to choose between a 3% with $250 coverage, 1.8% card with $500 coverage, a 1% with $800 coverage, or 5% cards with none. Once the phones get older, probably switch to 5%. Or, with lockdown, just go landline all the way!

Re: Cell phone protection on a 2% cash back card (WA state)

Remedios — Sun, 26 Apr 2020 18:39:31 GMT

I dont have this card.

I do have cell phone protection, but it's through carrier. While getting it for free would be great, I'm not applying for a card only for cell phone protection.

Rewards change all the time, and with my luck, I'd drop the phone on the exact day benefit is discontinued.

With that said, compared to reasons for a few of my apps ( "insomnia made me apply at 3 am", "everyone was doing it", and my personal favorite "didnt sleep couple of nights, thought I was filling out prequal"), cell phone protection is not a bad reason to get a card considering the cost if you're paying for it .

Re: Cell phone protection on a 2% cash back card (WA state)

coldfusion — Sun, 26 Apr 2020 20:28:44 GMT

@Remedios wrote:
personal favorite "didnt sleep couple of nights, thought I was filling out prequal"), cell phone protection is not a bad reason to get a card

That would explain the AMEX 😂

Re: Cell phone protection on a 2% cash back card (WA state)

Anonymous — Sun, 26 Apr 2020 21:01:31 GMT

Plus no FTF...not bad.

Re: Cell phone protection on a 2% cash back card (WA state)

Taurus22 — Sun, 26 Apr 2020 21:37:50 GMT

@Anonymous wrote:
This is the lower end though, $250 with $50 deductible. Certainly better than nothing.... Basically you just have decide how much is the insurance worth relative to your bill and alternatives. I currently have to choose between a 3% with $250 coverage, 1.8% card with $500 coverage, a 1% with $800 coverage, or 5% cards with none. Once the phones get older, probably switch to 5%. Or, with lockdown, just go landline all the way!

What card gives you the 1% with $800 coverage?

The highest I've been able to find is $600 coverage with some MC's, Uber Visa, and WF Propel.

NFCU cashRewards has 1.5% with $600 as long as you have the MC version, the Visa version is only $250.

Having a cashback card with phone protection has become a goal for me. But the NFCU @1.5% is the best cashback I've found that carries at least $600 per claim.

Re: Cell phone protection on a 2% cash back card (WA state)

Anonymous — Sun, 26 Apr 2020 23:01:01 GMT

@Taurus22 wrote:
What card gives you the 1% with $800 coverage?
The highest I've been able to find is $600 coverage with some MC's, Uber Visa, and WF Propel.
NFCU cashRewards has 1.5% with $600 as long as you have the MC version, the Visa version is only $2US

US Bank REI card has $800 coverage with $50 deductable, up to $1000 a year, but I guess that's strictly not a 1% cashback as you have to spend the reward at REI.