Credit cards with cell phone protection - Revision history

Editor: /* Cards that offer cell phone protection */

2021-07-05T22:03:59Z

‎Cards that offer cell phone protection

Editor: /* Credit card cell phone protection tips */

2021-07-05T22:03:19Z

‎Credit card cell phone protection tips

Editor: /* Cards that offer cell phone protection */

2021-06-14T19:12:31Z

‎Cards that offer cell phone protection

Editor: /* Cards that offer cell phone protection */

2021-04-13T04:05:44Z

‎Cards that offer cell phone protection

Editor: /* Cards that offer cell phone protection */

2021-03-02T22:47:30Z

‎Cards that offer cell phone protection

Editor: /* Cards that offer cell phone protection */

2021-03-02T22:46:15Z

‎Cards that offer cell phone protection

Editor: /* Cards that offer cell phone protection */

2021-03-02T22:45:41Z

‎Cards that offer cell phone protection

Editor: Editor moved page Credit Cards with Cell Phone Protection to Credit cards with cell phone protection without leaving a redirect

2021-02-19T04:25:06Z

Editor moved page Credit Cards with Cell Phone Protection to Credit cards with cell phone protection without leaving a redirect

Editor: /* Cards that offer cell phone protection */

2021-02-18T07:28:20Z

‎Cards that offer cell phone protection

Editor: /* Cards that offer cell phone protection */

2021-02-16T03:23:18Z

‎Cards that offer cell phone protection

@@ Line 54: / Line 54: @@
 </ul>
-<li>'''The {{Card|CitiPrestige|only}} offers higher coverage limits'''. It has the same $50 deductible as the other World Elite cards, but the maximum liability is $1,000 per claim, up to $1,500 per year. That makes it an excellent option to cover the theft or complete destruction of a high-end phone. On the other hand, they explicitly state that they won't cover minor screen cracks, while other Mastercards explicitly cover it, and most other cards are ambiguous. [//3ie87c2dond928rt2e2zzo8o-wpengine.netdna-ssl.com/wp-content/uploads/2019/04/103201_562_Update_Citi_Prestige_Guide_to_Benefits_FINAL-1.pdf Coverage Details].</li>
+<li>'''If you still have it, the discontinued {{Card|CitiPrestige|only}} offers higher coverage limits'''. It has the same $50 deductible as the other World Elite cards, but the maximum liability is $1,000 per claim, up to $1,500 per year. That makes it an excellent option to cover the theft or complete destruction of a high-end phone. On the other hand, they explicitly state that they won't cover minor screen cracks, while other Mastercards explicitly cover it, and most other cards are ambiguous. [//3ie87c2dond928rt2e2zzo8o-wpengine.netdna-ssl.com/wp-content/uploads/2019/04/103201_562_Update_Citi_Prestige_Guide_to_Benefits_FINAL-1.pdf Coverage Details].</li>
 <li>'''Our top no-annual fee cashback card recommendations, the {{Card|usalliance|only}} and {{Card|StateCashBack|only}}, include free cell phone coverage, but have low coverage limits'''. The deductible is $50, but coverage is limited to only $250 per claim and 2 claims per year. [//www.usalliance.org/hubfs/assets/documents/disclosures/usalliance-visa-signature-benefits.pdf USAlliance Coverage Details].[//www.sdfcu.org/sites/default/files/visa-signature-benefits.pdf SDFCU Coverage Details].</li>

@@ Line 19: / Line 19: @@
 <li>'''Using a card that offers cell phone protection often means missing out on some potential reward points (but it is usually worth it)'''. The reward rate from the cards that offer cell phone coverage might be lower than the reward rate from your general-purpose card. </li>
-For example, the Citi Prestige card offers great cell phone coverage, but only earns 1 ThankYou point per dollar. You would probably earn an extra 1% in rewards by paying your cell phone bill with a good general-purpose card. Even on an expensive family cell phone bill of $200, you're only giving up about $2 per month in rewards by using the Prestige card to take advantage of the cell phone insurance.
+For example, the Amex Platinum Card offers cell phone coverage, but only earns 1 Membership Rewards point per dollar. You would probably earn an extra 1% in rewards by paying your cell phone bill with a good general-purpose card. Even on an expensive family cell phone bill of $200, you're only giving up about $2 per month in rewards by using the Platinum Card to take advantage of the cell phone insurance.
 <li>'''You usually aren't covered for "lost" phones'''. The phone either needs to be stolen or damaged. In addition, you aren't usually covered if your phone is stolen under specific circumstances, such as from your baggage when you are travelling.</li>

@@ Line 59: / Line 59: @@
 <li>'''All the Wells Fargo personal credit cards, including the no-annual-fee Wells Fargo Cash Wise card, come with free cell phone insurance that has a deductible of only $25'''. This is lower than the deductibles on most of the other cards, making it a great option for anyone who already has a Wells Fargo card and doesn't mind the lower per-claim limit. Coverage is limited to $600 per claim and two claims per year. [//www08.wellsfargomedia.com/assets/pdf/personal/credit-cards/agreements/cell-phone-protection-guide-benefits.pdf Coverage Details].</li>
 <li>'''Several business credit cards with cell phone coverage offer better rewards for paying your cell phone bill'''. Using one of these cards will increase the rewards you earn each month and would seem like the best possible option. Unfortunately, coverage is limited to employee phones. If you want to insure non-employee family members, you'll want to stick with a personal card.</li>
@@ Line 66: / Line 68: @@
 <li>The {{Card|fnbobiz|only}} earns 5 points (worth a total of 3.75 cents) on telecommunication services, making this the most rewarding option if you can't get the Ink Preferred card. Covers up to $600 per claim, with a $50 deductible, up to $1,000 total in a year. Covers up to five lines. No annual fee.</li>
 </ul>
 </ul>

@@ Line 51: / Line 51: @@
 <li>Warning: While the {{Card|doublecash|only}}, {{Card|CitiPremier|only}}, and {{Card|AA|only}} are Elite or World Elite Mastercards they do '''not''' provide cell phone insurance. Citibank hasn't added the "standard" benefit to most of its Mastercards.</li>
-<li>There are several World and World Elite Mastercards that you might want for other reasons. For example, you might want an American Airlines card for its free checked bag benefit. If you have one of these cards, it often isn't worth going out of your way to get an additional card that offers slightly better cell phone coverage or cell phone service rewards—just make sure to use the card you already have. Likely cards include the {{Card|Freedom|only}}, {{card|ihg|only}}, {{card|jetblue|only}}, and {{Card|aviator|only}}.</li>
+<li>There are several World and World Elite Mastercards that you might want for other reasons. For example, you might want an American Airlines card for its free checked bag benefit. If you have one of these cards, it often isn't worth going out of your way to get an additional card that offers slightly better cell phone coverage or cell phone service rewards—just make sure to use the card you already have. Likely cards include the {{Card|Freedom|only}}, {{card|ihgpremier|only}}, {{card|jetblue|only}}, and {{Card|aviator|only}}.</li>
 </ul>

@@ Line 44: / Line 44: @@
 <ul class="bulletlist">
-<li>'''Most high-end Amex cards include cell phone insurance'''. This includes both the personal and business versions of the {{Card|PlatinumCard|only}}, the {{Card|DeltaPlatinum|only}}, and the {{Card|DeltaReserve|only}}; but not the Bonvoy Brilliant or Hilton Aspire. Coverage is very good, up to $800 per claim and $1,600 per year, with a $50 deductible (and they are explicitly covering cracked screens).</li>
+<li>'''Most high-end Amex cards include cell phone insurance'''. This includes both the personal and business versions of the {{Card|PlatinumCard|only}}, the {{Card|DeltaPlatinum|only}}, and the {{Card|DeltaReserve|only}}; but not the Bonvoy Brilliant or Hilton Aspire. Coverage is very good, up to $800 per claim and $1,600 per year, with a $50 deductible (and they are explicitly covering cracked screens). [//www.americanexpress.com/us/credit-cards/features-benefits/policies/cell-phone-protection.html Policy details].</li>
 <li>'''Many World and World Elite Mastercards include (or will soon include) cell phone insurance'''. World Elite cards cover up to $800 per incident and up to $1,000 per year, on up to a total of 3 lines, with a $50 deductible.  World Mastercards have the same terms but drop the per incident maximum to $600. The insurance includes coverage for "cosmetic screen scratches". [//www.mycardbenefits.com/Home/AboutCellPhoneProtection?cd=en&prog=cel Claim Webpage].</li>

← Older revision		Revision as of 22:45, 2 March 2021
Line 44:		Line 44:

	<ul class="bulletlist">		<ul class="bulletlist">
		+	<li>'''Most high-end Amex cards include cell phone insurance'''. This includes both the personal and business versions of the {{Card\|PlatinumCard\|only}}, the {{Card\|DeltaPlatinum\|only}}, and the {{Card\|DeltaReserve\|only}}; but not the Bonvoy Brilliant or Hilton Aspire. Coverage is very good, up to $800 per claim and $1,600 per year, with a $50 deductible (and they are explicitly covering cracked screens.</li>
		+
	<li>'''Many World and World Elite Mastercards include (or will soon include) cell phone insurance'''. World Elite cards cover up to $800 per incident and up to $1,000 per year, on up to a total of 3 lines, with a $50 deductible. World Mastercards have the same terms but drop the per incident maximum to $600. The insurance includes coverage for "cosmetic screen scratches". [//www.mycardbenefits.com/Home/AboutCellPhoneProtection?cd=en&prog=cel Claim Webpage].</li>		<li>'''Many World and World Elite Mastercards include (or will soon include) cell phone insurance'''. World Elite cards cover up to $800 per incident and up to $1,000 per year, on up to a total of 3 lines, with a $50 deductible. World Mastercards have the same terms but drop the per incident maximum to $600. The insurance includes coverage for "cosmetic screen scratches". [//www.mycardbenefits.com/Home/AboutCellPhoneProtection?cd=en&prog=cel Claim Webpage].</li>

← Older revision	Revision as of 04:25, 19 February 2021
(No difference)

← Older revision		Revision as of 07:28, 18 February 2021
Line 36:		Line 36:

	=== Cards that offer cell phone protection ===		=== Cards that offer cell phone protection ===
		+
		+	{{Box\|Take Advantage of Amex Business Card Credits in 2021}}
		+	As a temporary Covid-related benefit, the Amex Hilton, Marriott, and Delta Business cards provide a monthly wireless credit of $10-20 every month in 2021 (personal cards receive dining credits instead). These need to be activated as Amex Offers for each card and don't apply to cards that were opened in 2021. This is easy free money off your bill, but may disqualify you from the free cell phone insurance that could be available from paying the entire bill with one of these cards.
		+	{{/Box}}

	Not long ago, very few cards offered free cell phone insurance, and most of those were business cards. During 2019, Mastercard added cell phone protection to many of their cards and a few other credit cards added this feature as well. Now there is a wide range of options.		Not long ago, very few cards offered free cell phone insurance, and most of those were business cards. During 2019, Mastercard added cell phone protection to many of their cards and a few other credit cards added this feature as well. Now there is a wide range of options.