Credit Cards That Protect Your Phone From Damage
If you’re constantly worried about dropping or damaging your phone, there’s good news: some credit cards offer built-in cell phone protection when you use them to pay your monthly phone bill. This perk can save you hundreds in repairs or replacements — and it often comes at no extra cost.
How Cell Phone Protection Works
Most credit cards that offer phone protection will reimburse you for theft or damage — including cracked screens — as long as you use the card to pay your wireless bill each month. Coverage often ranges between $600 to $1,000 per claim with a small deductible.
Top Credit Cards Offering Cell Phone Protection in 2025
1. Wells Fargo Active Cash® Card
Earn unlimited 2% cash rewards and get up to $600 in phone protection per claim (after $25 deductible).
2. Chase Ink Business Preferred®
Perfect for freelancers and business owners, this card offers up to $1,000 in protection per claim (after $100 deductible).
3. Capital One Venture X Rewards
Premium travel rewards with added cell phone insurance of up to $800 per claim — great for frequent travelers.
4. U.S. Bank Altitude® Connect Visa Signature®
Includes $600 in cell phone protection plus 4x points on travel and gas. Ideal for road warriors.
5. Bilt Mastercard®
Earn points on rent and enjoy free phone protection (up to $800 per claim). No annual fee makes it even sweeter.
6. The Platinum Card® from American Express
Luxury perks and phone protection for travelers who want elite experiences and peace of mind.
Things to Know Before You File a Claim
- Pay your monthly phone bill with the eligible credit card.
- Save your receipts and proof of damage/theft.
- Most policies don’t cover lost phones or cosmetic scratches.
- There’s usually a deductible ($25–$100 depending on the card).
Using a credit card with phone protection is one of the easiest ways to get peace of mind without paying extra for AppleCare or third-party insurance. Just make sure to check the terms and conditions of your card before relying on the benefit.
Looking for more credit card perks for freelancers? Check out this guide: Credit Cards For Freelancers
Final Thoughts
Smartphone repairs are expensive — but they don’t have to be. By simply paying your phone bill with the right credit card, you can access complimentary protection and save hundreds. Whether you’re a frequent traveler, a freelancer, or just accident-prone, these cards have you covered.