2025 Credit Cards That Offer Phone Protection Plans
Phone repairs can be costly — cracked screens, theft, or water damage can add up fast. But what if your credit card could foot the bill? In 2025, several credit cards now include phone protection plans when you use them to pay your wireless bill. Here’s everything you need to know.
How Credit Card Phone Protection Works
Many major credit cards now offer complimentary cell phone protection. Typically, these plans cover theft and accidental damage, including screen cracks — with coverage limits of $600 to $1,000 and a deductible as low as $25. Just make sure to use your eligible card to pay your monthly phone bill.
Best Credit Cards Offering Phone Protection in 2025
1. Wells Fargo Active Cash® Card
Get up to $600 in cell phone protection with just a $25 deductible. Plus, earn 2% unlimited cash rewards — all with no annual fee.
2. Bilt Mastercard®
Offers up to $800 in phone protection per claim and lets you earn points on rent with no transaction fee. A great pick for renters.
3. U.S. Bank Altitude® Connect Visa Signature®
This card includes phone protection and travel perks, offering up to $600 per claim. Ideal for users who spend on the go.
4. Chase Ink Business Preferred®
Business owners love this card for its $1,000 phone protection per claim. Just use it to pay your business phone bill monthly.
5. Capital One Venture X Rewards
Premium travel benefits plus up to $800 phone protection. This card is perfect for frequent travelers who want all-around coverage.
6. TD First ClassSM Visa Signature® Card
With solid travel rewards and phone protection up to $600, this lesser-known card is a hidden gem for smart spenders.
What’s Typically Covered?
- ✔️ Accidental damage (cracked screen, drops, spills)
- ✔️ Theft (with a police report)
- ✔️ Up to $1,000 per claim (depending on card)
- ❌ Lost phones usually not covered
- ❌ Cosmetic damage or pre-existing issues excluded
Important Tips to Keep in Mind
Before relying on credit card phone protection, always read the fine print. Some cards require bills to be paid directly, and coverage is often secondary to any other insurance. Be prepared to submit receipts, damage reports, and a police report in case of theft.
Want to get more value from your credit cards? Check out our guide on Credit Cards For Freelancers for more smart picks in 2025.
Final Thoughts
2025 is the year to stop overpaying for phone insurance. Credit cards that include phone protection plans give you peace of mind without the monthly premiums. Just pay your phone bill with the right card — and your wallet (and phone) will thank you.