topic Re: which credit cards offer cellular phone insurance? in Credit Cards

which credit cards offer cellular phone insurance?

Janneman — Fri, 31 Oct 2025 15:15:18 GMT

I am wondering which credit cards offer phone insurance for loss, damaged and stolen phone and which ones give highest reimbursement in one claim than in a year? How is the claim process if someone has personal experience to share? Thanks

Re: which credit cards offer cellular phone insurance?

dfwxjer — Fri, 31 Oct 2025 15:21:56 GMT

I use my Amex platinum for cell phone insurance and it's been great. $800 per claim handled through AIG and no issues so far. With 3 kids we've had a few phones replaced...

Re: which credit cards offer cellular phone insurance?

Janneman — Fri, 31 Oct 2025 15:32:55 GMT

@dfwxjer wrote:
I use my Amex platinum for cell phone insurance and it's been great. $800 per claim handled through AIG and no issues so far. With 3 kids we've had a few phones replaced...

oh....I do not have Amex Platinum anymore as I closed it out 2 yrs back and not interested in getting it again....TD credit cards offer only $500 per claim after $50 deductible, and Wells Fargo's Autograph offers $600/per claim after $50 deductible....Iphone pro max is an expensive phone and I would like to cover it as much as possible especially a few months ago my phone got stolen in another country and I didn't have insurance of it; otherwise I could have recovered some of its purchasing price....

Re: which credit cards offer cellular phone insurance?

dfwxjer — Fri, 31 Oct 2025 16:40:26 GMT

The Cap1 Venture X and Chase Freedom Flex also cover $800 per claim

Re: which credit cards offer cellular phone insurance?

LiamDavis — Fri, 31 Oct 2025 21:24:59 GMT

Wells Fargo Autograph/Active Cash, Capital One Venture X, and Amex Platinum are some of the best. Good luck.

Re: which credit cards offer cellular phone insurance?

USMCOne — Sat, 01 Nov 2025 11:51:38 GMT

Amex Plat, BILT, Chase Freedom Flex to name a couple. Don't have the Chase on personality but have Amex Platinum and BILT.

Amex is insuranced via AIG and you have to have had paid your monthly bill with it. You file a claim online with them, you get it approved pay your repair bill with your credit card. Some point you get a credit for it.

Another often overlooked frill of a Amex Platinum. I'm with ATT and they charge pretty decent monthly fee for insurance. I also believe the other high end Amex's offer it but you have to look into it can't remember.

Re: which credit cards offer cellular phone insurance?

RobertS2 — Wed, 05 Nov 2025 01:43:16 GMT

Wells Fargo Autograph is really good. You can get up to $1,000 per claim and up to 2 claims per year.

Re: which credit cards offer cellular phone insurance?

Roger1071549 — Wed, 05 Nov 2025 14:02:27 GMT

I have not personally had to use it for cell phone protection, but the PNC Cash Rewards & Cash Unlimited cards have coverage up to $800.

Re: which credit cards offer cellular phone insurance?

MarkintheHV — Wed, 05 Nov 2025 14:14:24 GMT

AmEx Delta Reserve has $800 worth of insurance

Re: which credit cards offer cellular phone insurance?

ab — Mon, 22 Dec 2025 10:41:03 GMT

@RobertS2 wrote:
Wells Fargo Autograph is really good. You can get up to $1,000

Seems to be $600 now. 🤷 https://creditcards.wellsfargo.com/autograph-visa-credit-card#fn8

Re: which credit cards offer cellular phone insurance?

Janneman — Mon, 22 Dec 2025 18:11:13 GMT

So far its seemed that the maximum amount of coverage is $800 after $50-$100 deductible. I believe I have seen a coverage in the amount of $1000 thru a card, which one is not coming in my mind yet....

Re: which credit cards offer cellular phone insurance?

pizzadude — Mon, 22 Dec 2025 23:09:25 GMT

Chase Ink Business Premier has cellphone protection up to $1,000 per claim with $100 deductible.

Re: which credit cards offer cellular phone insurance?

Follower — Tue, 23 Dec 2025 08:52:57 GMT

I use the aforementioned Chase Freedom Flex for mobile phone insurance (it's the only thing on my bill during non-enticing rotating quarters), but I can't vouch for the claim process since I've never had to use it.

Re: which credit cards offer cellular phone insurance?

Janneman — Sat, 03 Jan 2026 21:35:11 GMT

@pizzadude wrote:
Chase Ink Business Premier has cellphone protection up to $1,000 per claim with $100 deductible.

Amex Platinum and Chase Ink Business Premier, or I believe those cards with huge AF are the only cards provide cellular protection up to$1k; otherwise there are not many non-AF cards provide more than $600 for cellular protection. And we also know that not many people carry huge AF cards. So, exploring more non-AF cards for this protection I came to know about PNC cashback rewards card that provides this protection for $800 with $50 deduction. Correct me if I'm am wrong, please.

Also, most of these cards, AF or non-AF cards, cover only for damaged or stolen phone but not for lost phone. Anyone knows, or any tip/trick, as to what to do if phone gets lost in order to be covered for the insurance??

Re: which credit cards offer cellular phone insurance?

flash123 — Sun, 04 Jan 2026 17:45:51 GMT

See these two reviewer sites for possible more information what do CCs cover.

https://www.cnbc.com/select/best-credit-cards-for-cell-phone-protection-insurance/

https://www.nerdwallet.com/credit-cards/best/cellphone-insurance

Re: which credit cards offer cellular phone insurance?

unsungivy — Sun, 04 Jan 2026 19:56:26 GMT

@Janneman wrote:
@pizzadude wrote:
Chase Ink Business Premier has cellphone protection up to $1,000 per claim with $100 deductible.
Amex Platinum and Chase Ink Business Premier, or I believe those cards with huge AF are the only cards provide cellular protection up to$1k; otherwise there are not many non-AF cards provide more than $600 for cellular protection. And we also know that not many people carry huge AF cards. So, exploring more non-AF cards for this protection I came to know about PNC cashback rewards card that provides this protection for $800 with $50 deduction. Correct me if I'm am wrong, please.

Chase Ink Business Preferred also has the $1000 coverage, and does not have a steep AF like the Premiere does. It's $95 AF, and what I'm using since I get 3x points as well while I'm at it. It's also an excellent generic Travel card.

Re: which credit cards offer cellular phone insurance?

Janneman — Mon, 05 Jan 2026 10:36:14 GMT

@unsungivy wrote:
@Janneman wrote:
@pizzadude wrote:
Chase Ink Business Premier has cellphone protection up to $1,000 per claim with $100 deductible.
Amex Platinum and Chase Ink Business Premier, or I believe those cards with huge AF are the only cards provide cellular protection up to$1k; otherwise there are not many non-AF cards provide more than $600 for cellular protection. And we also know that not many people carry huge AF cards. So, exploring more non-AF cards for this protection I came to know about PNC cashback rewards card that provides this protection for $800 with $50 deduction. Correct me if I'm am wrong, please.

Chase Ink Business Preferred also has the $1000 coverage, and does not have a steep AF like the Premiere does. It's $95 AF, and what I'm using since I get 3x points as well while I'm at it. It's also an excellent generic Travel card.

I do know about this Chase card and Amex Platinum for providing phone protection with $1k coverage. I do not have either of them nor I would prefer getting Amex Platinum anytime soon given its hefty AF. I might try to get this Chase card but not sure. I have found that PNC cards also offer cellular phone protection with $800 coverage and only $50 deductible amount. However, I do not know if there is any card, perhaps Amex, that offers phone protection for lost or missing phone. So far coverage is only for stolen or damaged phone.