Credit Card Cell Phone Insurance Guide

By: Andy
Updated: February 18, 2019

Several credit cards offer cell phone insurance if you pay for your cell phone’s monthly bill using the card. Below are the general rules, but read each cards specific rules.

Cell phone protection will protect you against damage, theft, or involuntary and accidental parting of your cell phone. Lost phones are generally not covered, but stolen phones are if you report the theft to the police within 48 hours. You will have to pay a deductible, which varies by card. You are also limited in the number of claims per year and the number of phones that are covered. Additionally, (1) pre-paid phones, (2) phones not purchased from authorized retailers, (3) accessories, (4) cosmetic damage, (5) damage or theft from abuse or intentional acts, or (6) phones purchased for resale, are generally not covered.

General Requirements- You will need to (1) sign and complete a claim form, (2) provide a copy of your credit card statement showing the payment of the cell phone bill, (3) cell phone bill, (4) police report if applicable, and (5) proof that phone is linked to your cell phone bill. Additionally, you may need to get an itemized estimate of the repair from their authorized repair facility or sometimes even the phone in question.

Issuer	Card	Deductible	Max Per Claim	Max Claims Per Year	Number of Phones	Claims Number
Chase	Ink Preferred	$100	$600	$1,800/3 claims	Unlimited	800-320-7702
Barclays	Uber	$25	$600	$1,200/2 claims	Unlimited	866-894-8569
Wells Fargo	Personal Cards	$25	$600	$1,200/2 claims	4	866-804-4770
U.S. Bank	Platinum	$25	$600	$1,200/2 claims	4	866-894-8569
First National Bank	Business Cards	$50	$600	$1,200/2 claims	4

Chase Ink Preferred- Call 888-320-9956 within 60 days of damage, theft or involuntary and accidental parting. Alternatively, you can file a claim online.

Wells Fargo Cards with Cell Phone Protection