Best No Annual Fee Cards With Cell Phone Coverage
Why pay for expensive phone insurance when some credit cards offer free coverage — and don’t even charge an annual fee? That’s right. In 2025, several no-annual-fee credit cards include complimentary cell phone protection when you pay your wireless bill with the card.
Why Choose a Card With Free Cell Phone Coverage?
With the average phone repair costing $200–$400, cell phone protection is a highly underrated credit card benefit. Cards that offer this coverage typically reimburse you for theft or damage (such as cracked screens), with claim limits ranging from $600 to $1,000 per incident — all with zero annual fee.
Top No Annual Fee Credit Cards That Protect Your Phone
1. Wells Fargo Active Cash® Card
Earn unlimited 2% cash rewards on all purchases and get up to $600 in phone protection per claim (with a $25 deductible). A solid all-around card with no fees.
2. Bilt Mastercard®
Pay rent with no fee, earn points, and enjoy free phone coverage up to $800 per claim. This card offers incredible value — and no annual fee.
3. U.S. Bank Altitude® Go Visa Signature® Card
Get 4x points on dining, 2x at grocery stores, and up to $600 cell phone protection — all with no annual fee. Great for everyday spending.
4. Capital One Quicksilver Cash Rewards
Unlimited 1.5% cash back and phone insurance coverage make this card a favorite for minimalists who want simplicity and savings.
5. TD Double Up℠ Credit Card
Earn 2% cash back and get complimentary phone protection when you use the card to pay your monthly phone bill. Reliable and rewarding.
What’s Covered — And What’s Not
- ✔️ Theft and accidental damage (including cracked screens)
- ✔️ Reimbursement up to the claim limit (usually $600–$800)
- ✔️ Must use the card to pay your monthly wireless bill
- ❌ Lost phones and cosmetic scratches are usually excluded
- ❌ Coverage is secondary to other insurance or warranties
How to Make a Claim
To file a claim, contact your card’s benefits administrator, provide proof of purchase, wireless bill payment, and a repair or damage report. Most issuers require claims within 60–90 days of the incident.
Other Perks to Consider
Besides phone protection, these cards also offer attractive rewards — cash back, travel points, or even rent payments. They’re especially great for freelancers and self-employed workers looking to get the most value without added fees.
Want more great benefits? See our guide to Credit Cards For Freelancers.
Final Thoughts
If you’re looking for a credit card that offers real-world value, no-annual-fee cards with phone protection are a no-brainer. Whether you’re on a budget or just want peace of mind, these cards can save you serious money on both phone repairs and fees.