topic Re: CCs that still have Cell Phone Protection? in Credit Cards

UPDATE: CCs that still have Cell Phone Protection?

CBartowski — Sun, 26 Jul 2020 02:37:04 GMT

Hey Folks

Curious what CC everyone is using for their cell bills and why (protection? CB?)

Follow up: Does Google FI trigger the insurance? I've heard mixed reviews on here.

UPDATE: I had no idea this was going to be such a popular subject. Thanks to all. So through all of the research I've done since posting it almost looks like the WF Propel may be the best option. 3x on the bill + 600$ in protection with 25$ deductable. It didn't say sell bill triggers the 3x but a friend told me her Boost Mobile bill triggers it soooo maybe but likely YMMV.

Re: CCs that still have Cell Phone Protection?

M_Smart007 — Sat, 25 Jul 2020 01:22:06 GMT

@CBartowski wrote:
Hey Folks

Curious what CC everyone is using for their cell bills and why (protection? CB?)

Good Question?

As I forgot Could Be WF Propel or NFCU Flagship .. I will check and update.

Edit: looks Like I am using the US Bank Cash+ ,

I do not believe it has "protection" but I get 5% back on the bill. ..LOL

Paid for the phone outright, and use pre-paid service, pay for the whole year in advance.

Re: CCs that still have Cell Phone Protection?

CBartowski — Sat, 25 Jul 2020 01:18:24 GMT

Thanks! I'm pretty sure the Propel has it. I know UberCC has it too (secondary) and a few others but there has to be more than the 5ish I know of haha.

Re: CCs that still have Cell Phone Protection?

minski — Sat, 25 Jul 2020 01:22:17 GMT

SDFCU Visa Signature. I am currently with SDFCU for 2% cash back plus phone insurance.
Navy Federal cards - I think all? Definitely the cash rewards.

Re: CCs that still have Cell Phone Protection?

Curious_George2 — Sat, 25 Jul 2020 01:25:15 GMT

HSBC has cell phone protection. Not sure if it's on all cards, but it's on my old Platinum Rewards MC.

Re: CCs that still have Cell Phone Protection?

Red1Blue — Sat, 25 Jul 2020 01:27:41 GMT

@minski wrote:
SDFCU Visa Signature. I am currently with SDFCU for 2% cash back plus phone insurance.
Navy Federal cards - I think all? Definitely the cash rewards.

I have SDFCU Secured Card. I wonder if it would cover the phone insurance. I'll call them tomorrow and find out.

Re: CCs that still have Cell Phone Protection?

M_Smart007 — Sat, 25 Jul 2020 01:29:01 GMT

@minski wrote:
SDFCU Visa Signature. I am currently with SDFCU for 2% cash back plus phone insurance.
Navy Federal cards - I think all? Definitely the cash rewards.

Navy Federal cards with Cell phone protection GoRewards,CashRewards,

The Flagship (even the secure card nRewards)

.. None on The MoreRewards Amex

Re: CCs that still have Cell Phone Protection?

CBartowski — Sat, 25 Jul 2020 01:30:46 GMT

@M_Smart007 wrote:
@minski wrote:
SDFCU Visa Signature. I am currently with SDFCU for 2% cash back plus phone insurance.
Navy Federal cards - I think all? Definitely the cash rewards.
Navy Federal cards with Cell phone protection GoRewards,CashRewards,
The Flagship (even the secure card nRewards)

.. None on The MoreRewards Amex

I was just looking at Navy Fed when you posted. That is tempting. I'm with them but no current cards.

Thanks!

Re: CCs that still have Cell Phone Protection?

M_Smart007 — Sat, 25 Jul 2020 01:32:54 GMT

@Curious_George2 wrote:
HSBC has cell phone protection. Not sure if it's on all cards, but it's on my old Platinum Rewards MC.

I think that is something they just added?, I have (2) HSBC cards (Premier World & Cash Rewards)

and did not notice at first. I just looked, they both have it.

Re: CCs that still have Cell Phone Protection?

wasCB14 — Sat, 25 Jul 2020 01:34:50 GMT

Don't forget your $20 monthly credit on Schwab.

Re: CCs that still have Cell Phone Protection?

Curious_George2 — Sat, 25 Jul 2020 02:27:36 GMT

@M_Smart007 wrote:
@Curious_George2 wrote:
HSBC has cell phone protection. Not sure if it's on all cards, but it's on my old Platinum Rewards MC.
I think that is something they just added?, I have (2) HSBC cards (Premier World & Cash Rewards)
and did not notice at first. I just looked, they both have it.

I was thinking the same thing. I learned about from a recent email. Not sure I ever checked before. Good to know it's also on the currently available cards.

Re: CCs that still have Cell Phone Protection?

M_Smart007 — Sat, 25 Jul 2020 02:32:39 GMT

@Curious_George2 wrote:
@M_Smart007 wrote:
@Curious_George2 wrote:
HSBC has cell phone protection. Not sure if it's on all cards, but it's on my old Platinum Rewards MC.
I think that is something they just added?, I have (2) HSBC cards (Premier World & Cash Rewards)
and did not notice at first. I just looked, they both have it.
I was thinking the same thing. I learned about from a recent email. Not sure I ever checked before. Good to know it's also on the currently available cards.

Just found it in a email serch;

4. To get coverage, you must charge your monthly Eligible Cellular Wireless Telephone bill to your HSBC Cash Rewards Mastercard® credit card. You are eligible for coverage the first day of the calendar month following the payment of your Eligible Cellular Wireless Telephone bill to your HSBC Cash Rewards Mastercard® credit card. A $50 deductible per loss will apply. A maximum of pay of $1,000 per 12 months. Coverage is limited to two claims per 12 month period.

Re: CCs that still have Cell Phone Protection?

j615 — Sat, 25 Jul 2020 03:29:44 GMT

I've been using my Wells Fargo Cash Back Signature Visa for cell phone protection. Cash back is mediocre at 1%, but I use it for the protection, and as a reason to keep this oldest CC active.

Re: CCs that still have Cell Phone Protection?

CBartowski — Sat, 25 Jul 2020 03:43:36 GMT

@wasCB14 wrote:
Don't forget your $20 monthly credit on Schwab.

So I was thinking this as well, but it doesnt offer protection right? I tried to dig into the Platinum benefits and i couldn't find anything that said it covered phones, which surprised me if Im honest.

Do you know if Google Fi triggers the 20$?

Re: CCs that still have Cell Phone Protection?

RickNATL — Sat, 25 Jul 2020 04:12:28 GMT

I haven't bought a phone in a while...but I did notice the following from my pile offer cell protection programs:

Wells Fargo (Cash Wise card) - up to $600 protection (subject to a $25 deductible) just for using the card to pay your cell bill

USAA (uses ProtectCell.com -- deductible is high, and there is a monthly cost) doesn't seem to be a card benefit.

Re: CCs that still have Cell Phone Protection?

lhcole77 — Sat, 25 Jul 2020 04:41:28 GMT

FYI-

World Elite Mastercards come with cellphone protection:

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 $600
per claim for World Mastercard, and $1,000 per Covered
Card per 12 month period. Each claim is subject to a $50
deductible. Coverage is limited to two (2) claims per Covered
Card per 12 month period.

Re: CCs that still have Cell Phone Protection?

wasCB14 — Sat, 25 Jul 2020 04:42:03 GMT

@CBartowski wrote:
@wasCB14 wrote:
Don't forget your $20 monthly credit on Schwab.
So I was thinking this as well, but it doesnt offer protection right? I tried to dig into the Platinum benefits and i couldn't find anything that said it covered phones, which surprised me if Im honest.

Do you know if Google Fi triggers the 20$?

Correct. The only benefit from Platinum would be 90 days of purchase protection.

There can also be a tradeoff between good benefit terms on paper and the ease of making a claim.

And read the terms closely. Cards may exclude cosmetic damage (cracked screen) if the phone still functions. Cards may exclude lost or stolen phones.

I'm on my fourth smartphone. One was stolen and two became obsolete. A sturdy case has never failed me (and with big hands, a phone's natural size would be so small I coldn't grip it well).

Re: CCs that still have Cell Phone Protection?

wasCB14 — Sat, 25 Jul 2020 04:43:46 GMT

@lhcole77 wrote:
FYI-

World Elite Mastercards come with cellphone protection:

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 $600
per claim for World Mastercard, and $1,000 per Covered
Card per 12 month period. Each claim is subject to a $50
deductible. Coverage is limited to two (2) claims per Covered
Card per 12 month period.

Some do, not all. To check a card:

https://us.mycardbenefits.com/Home/AboutCellPhoneProtection?cd=en&prog=CPP&CardType=MC

Re: CCs that still have Cell Phone Protection?

MyFault — Sat, 25 Jul 2020 04:57:26 GMT

@M_Smart007 wrote:
@minski wrote:
SDFCU Visa Signature. I am currently with SDFCU for 2% cash back plus phone insurance.
Navy Federal cards - I think all? Definitely the cash rewards.
Navy Federal cards with Cell phone protection GoRewards,CashRewards,
The Flagship (even the secure card nRewards)

.. None on The MoreRewards Amex

I had no desire to open an NFCU CC, even banking with them, until now. Looks like I need a GoRewards Card!

Re: CCs that still have Cell Phone Protection?

M_Smart007 — Sat, 25 Jul 2020 05:10:24 GMT

@MyFault, It is my fault