Cash Back Cards with Cell Phone Protection

[Anonymous]

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@cws-21 wrote:

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. At least some of the Elan Max Cash Preferred Mastercards offered cellphone protection and 5% cash back on cellphone bills, but some (or all?) have removed the cellphone protection.

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My guess is that it is all, as the protections (and really all aspects of the card) come from Elan and not the individual FIs.   But would be glad to hear of anyone with a MaxCash MC that didn't receive a notice in Oct-Nov 2021 ending the benefit starting Jan 2022.

[cws-21]

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@Anonymous wrote:

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@cws-21 wrote:

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. At least some of the Elan Max Cash Preferred Mastercards offered cellphone protection and 5% cash back on cellphone bills, but some (or all?) have removed the cellphone protection.

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My guess is that it is all, as the protections (and really all aspects of the card) come from Elan and not the individual FIs.   But would be glad to hear of anyone with a MaxCash MC that didn't receive a notice in Oct-Nov 2021 ending the benefit starting Jan 2022.

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You're probably right. I thought that would be the case, which is why I took it off my wish list.

[JNA1]

The First National Bank of Texas Elan MasterCard still offers cell phone protection. However, around the time others nerfed cell phone protection, they started requiring you had to have an existing FNBT login to apply for the card. When we got it, we were able to login directly through Elan's page for the card, but that is not the case now. 

I'm assuming FBNT is geofenced, but I don't know that. I'm not sure what it would take to have a banking relationship with them to be able to apply for the card. 

[Who_wuda_thought]

@JNA1 

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@JNA1 wrote:

The First National Bank of Texas Elan MasterCard still offers cell phone protection.

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Have you verified the cell phone protection (for your card number) with the Mastercard Benefits hotline after 1/1/22?

Thanks!

[cws-21]

I'm just reviving this discussion hoping someone else may have something new to offer regarding cash back cards with cellphone protection. Anyone have anything new to contribute?

[IaBoy62]

BMO Harris provides $400 cell phone coverage with their Mastercards.

[ptatohed]

The Freedom Flex offers cell phone protection I believe.  $800 per claim, $50 deductable.  It's a 5% rotator though, not a 2% all card. 

The USB Visa Platinum has protection but no rewards, boo.  $600 per claim, $25 deductable.

I think all First Citizens cards have protection.  $500/$50 deductable.  They have a Rewards Card (1 - 3 points) and a Cash Rewards card (1.5%).

Deserve EDU MasterCard.  $600/$25.  Only 1%.

Bilt World Elite.  $800/$25.  1 - 3 points, including 1 pt for rent.

FNBO business cards.  $600/$50.  2%!

Dillard's Rewards Amex.  $600/$25.  1 - 2 points, used for merchandise.  

BMW MC.  $800/$50.  1 - 4 points.  

SoFi MC.  $800/$50.  2% when used for investing/saving.

[FireMedic1]

Wells Fargo Active Cash $600.

Get up to $600 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).

[cws-21]

Thank you to everyone who contributed this time around. I wish there were more/better options for cards with cellphone protection.

[wasCB14]

Keep in mind a few important considerations:

1. Whether the benefit covers loss or just theft/damage

2. How much effort the claims process involves

3. In the case of lightly cracked screens, any language excluding coverage of "cosmetic damage"

4. Card rewards or credits

Personally, I use Amex Business Platinum...not that it's a viable option for most people or in the guidelines of the topic.