Free Cell Phone Protection From These Credit Cards
Phone repairs and replacements can cost hundreds—especially for the latest smartphones. But did you know some credit cards provide free cell phone protection when you pay your wireless bill with them? In 2025, that perk is still among the most overlooked yet valuable features available.
How Free Cell Phone Protection Works
When you use an eligible credit card to pay your monthly wireless bill, the card’s benefits include complimentary coverage for theft or damage—typically with no additional premium. Coverage usually maxes out between $600–$1,000 per incident, less a modest deductible ranging from $25 to $100.
Top Credit Cards That Offer Free Phone Protection
1. Wells Fargo Active Cash® Card
Unlimited 2% cash back plus up to $600 phone protection with a $25 deductible. No annual fee, making this a well-rounded everyday winner.
2. Bilt Mastercard®
Earn points on rent, pay no annual fee, and get up to $800 in phone protection per claim. A compelling choice if you’re renting or paying utilities.
3. U.S. Bank Altitude® Connect Visa Signature®
4x points on travel and gas, plus $600 in free phone coverage. Ideal for commuters and travelers looking for extra value.
4. Chase Ink Business Preferred®
Business owners not only earn strong rewards, but also benefit from $1,000 phone protection per claim—great for managing staff devices.
5. Capital One Quicksilver Cash Rewards
Simplified 1.5% cash back and complimentary phone insurance make this a no-hassle, practical option for everyday spending.
6. TD First ClassSM Visa Signature® Card
Enjoy travel rewards and up to $600 phone protection. A sweet spot for those who mix everyday use with occasional trips.
What’s Covered—and What Isn’t
- ✔️ Accidental damage (screen cracks, water spills)
- ✔️ Theft (with valid police report)
- ✔️ Reimbursements up to card limits ($600–$1,000)
- ❌ Lost or misplaced devices usually not covered
- ❌ Cosmetic issues or pre-existing damage are generally excluded
How to Make a Claim
If damage or theft occurs, contact the card issuer’s benefits partner. You’ll need your wireless bill showing payment with that card, a repair estimate or invoice, and possibly a police or damage report. Most card providers require you to file within 60–90 days of the incident.
Looking for more value in your credit cards? Check out our guide on Credit Cards For Freelancers to discover even more perks tailored to independent professionals.
Final Takeaway
Rather than paying separately for phone insurance, make the most of the no-cost protection built into your credit cards. Whether you’re after cash rewards, travel perks, or smart everyday value, these cards save you on both smartphone repairs and fees.