Credit Cards That Include Cell Phone Insurance
Cell phones are essential — and expensive to replace. That’s why many savvy consumers are turning to credit cards that include complimentary cell phone insurance. These cards can save you hundreds in repair or replacement costs, just for paying your wireless bill with them each month.
How Credit Card Cell Phone Insurance Works
When you pay your monthly wireless bill with a qualifying credit card, you may be eligible for cell phone protection. Most plans cover damage or theft, with reimbursement limits between $600 and $1,000 per claim and low deductibles — all included at no extra charge.
Top Credit Cards With Free Cell Phone Insurance in 2025
1. Bilt Mastercard®
Earn points on rent, enjoy up to $800 in phone protection per claim, and pay no annual fee. A favorite for renters and young professionals.
2. Wells Fargo Active Cash® Card
2% unlimited cash rewards and up to $600 in phone protection (with a $25 deductible) make this one of the best value cards of 2025.
3. U.S. Bank Altitude® Connect Visa Signature®
Earn 4x points on travel and gas, and get $600 in phone protection. A great card for road trippers and commuters.
4. Chase Ink Business Preferred®
Protect your business phones with up to $1,000 in coverage. This card is ideal for freelancers, entrepreneurs, and small business owners.
5. Capital One Quicksilver Cash Rewards
Straightforward 1.5% cash back and up to $600 in phone insurance coverage. Perfect for everyday consumers who want simplicity.
6. TD First ClassSM Visa Signature® Card
Enjoy travel perks and phone protection up to $600 per claim. A solid travel companion with added peace of mind.
What’s Covered — and What’s Not
- ✔️ Theft (with police report)
- ✔️ Accidental damage (drops, cracks, water damage)
- ✔️ Up to $800–$1,000 per claim
- ❌ Lost phones are usually excluded
- ❌ Cosmetic damage may not qualify
How to File a Claim
If your phone is damaged or stolen, contact your credit card’s benefits administrator. You’ll typically need a copy of your wireless bill, a repair receipt or police report, and proof of payment with the card. Be sure to file within 60–90 days of the incident.
Want more flexible benefits from your cards? Check out our full guide: Credit Cards For Freelancers.
Final Thoughts
Don’t pay extra for phone insurance if your credit card already has you covered. Whether you’re looking for cash back, travel perks, or rent rewards, there’s a credit card in 2025 that fits your lifestyle — and protects your phone, too.