CELL PHONE PROTECTION - Credit Card Perks - Chase Ink BP (current) vs UBER vs Wells Fargo

[Anonymous]

Ok, so another perk of UBER Visa I was looking at: Cell phone protection.

Currently hold Ink Business Preferred. $95AF, $600 protection x 3 times each year and $100 deductible.

VS - UBER (which also has 4% on dining and $0 AF) $600 protection x 2 times each year with only $25 deductible.

But on the Ink, you get 3pts/$1 spent on Cell bill (or 5pts/$1 on the Ink Cash)

For less points but no fee there is the UBER card...

Oy vey! Thoughts?

[Anonymous]

I moved my cell phone bill to my NFCU Flagship for 2% CB, $250 Cell Phone Protection with $50 deductible. The Uber Visa only get 1% CB on cell phone bill, losing $2.40 per month. I haven't drop a cell phone in 20 years, so I will take my chances.  

[mongstradamus]

I presently use CIP for the insurance. Just something to consider for me at least since I don’t value UR at 1 cpp. So 3x more or less would equal 4.5x in my calculations. If you want to forego the insurance on your phones than 5x ink cash would make sense. There is no AF on that so that could be quite valuable. 

[Anonymous]

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@mongstradamus wrote:

I presently use CIP for the insurance. Just something to consider for me at least since I don’t value UR at 1 cpp. So 3x more or less would equal 4.5x in my calculations. If you want to forego the insurance on your phones than 5x ink cash would make sense. There is no AF on that so that could be quite valuable. 

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Yeah, I've thought a lot about getting the Ink Cash for that 5% bonus on ALL INTERNET & CELL PHONE bills, then eventually closing the Ink Preferred.

[Anonymous]

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@Anonymous wrote:

I moved my cell phone bill to my NFCU Flagship for 2% CB, $250 Cell Phone Protection with $50 deductible. The Uber Visa only get 1% CB on cell phone bill, losing $2.40 per month. I haven't drop a cell phone in 20 years, so I will take my chances.  

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I have mine on the Flagship as well. Wish the protection was higher in the age of smartphones. I have never damaged one either but it wouldn't cover much. Some is better than nothing.

[jdbkiang]

I’ve never dropped or broken my phone, but there are 10 people on my plan, so I’m not risking it. I also like the $25 deductible with the Uber/WF/USB Plat, but with nearly $500 in cell phone/insurance per month, it’s hard to give up 1500 UR per month (18000/year) for a small chance at saving $75. However, if I had a smaller bill, I’d definitely consider moving that bill over to maybe a WF card.

[Meanmchine]

I have a ZTE phone which I got for free from BoostMobile. The case cost $30

Insurance is not a concern for me.

[Anonymous]

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@Meanmchine wrote:

I have a ZTE phone which I got for free from BoostMobile. The case cost $30

Insurance is not a concern for me.

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Least relevant comment in history. Thanks for not filtering that thought.

[wasCB14]

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@Anonymous wrote:

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@Meanmchine wrote:

I have a ZTE phone which I got for free from BoostMobile. The case cost $30

Insurance is not a concern for me.

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Least relevant comment in history. Thanks for not filtering that thought.

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The bill isn't in my name, so the CC benefit isn't an option for me.

That said, I think a good case will do more to help than the Barclays claims department.

I'm happy to take 60k AA miles for $95, but I'd never put anything of significance on a Barclays product.