No-Fee Credit Cards With Cell Phone Protection 2025
What Is Credit Card Cell Phone Protection?
It’s an included benefit on select cards that reimburses you if your phone is stolen or damaged—at no extra cost. These perks typically cover:
- ✅ Theft
- ✅ Cracked screens
- ✅ Water or accidental damage
The best part? Some cards offer this protection without charging you an annual fee.
Top No-Fee Credit Cards With Cell Phone Protection
Bilt Mastercard®
Annual Fee: $0
Protection: Up to $800 per claim (2 claims/year)
Deductible: $25
Bonus: Earn points on rent + phone protection
Wells Fargo Active Cash® Card
Annual Fee: $0
Protection: Up to $600 per claim
Deductible: $25
Bonus: 2% cash back on everything
Deserve EDU Mastercard®
Annual Fee: $0
Protection: Up to $600 per claim
Deductible: $50
Bonus: Tailored for students, includes cell phone protection
U.S. Bank Altitude® Go Visa Signature®
Annual Fee: $0
Protection: Up to $600 per claim
Deductible: $100
Bonus: Great for dining + phone protection
First Tech Choice Rewards World Mastercard®
Annual Fee: $0
Protection: Up to $600 per claim
Deductible: $50
Bonus: Credit union option with solid benefits
How to Qualify for This Free Benefit
- Apply for an eligible no-fee credit card
- Use the card to pay your monthly phone bill
- Save your phone bills as proof in case of claims
As long as you pay with your card each month, you’re automatically protected.
Important Exclusions
- ❌ Lost (not stolen) phones are not covered
- ❌ Cosmetic damage like scratches
- ❌ Phones not on U.S. wireless carriers
Always read the card’s benefits guide to understand coverage details.
Looking for More Card Perks?
If you’re self-employed or run a side hustle, you may love this list of Credit Cards For Freelancers. Some of them also include free cell phone protection!
FAQs – No-Fee Cards With Phone Protection
Is cell phone protection really free?
Yes, as long as you pay your phone bill with the card. You may need to pay a small deductible if you file a claim.
Can I cover my family’s phones too?
Yes! If multiple phones are on the same bill, they’re usually all protected under the same card benefit.
How long does it take to get reimbursed?
Most claims are processed within 2–4 weeks after approval.