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Credit Card Cell Phone Insurance Guide

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.

IssuerCardDeductibleMax Per ClaimMax Claims Per YearNumber of PhonesClaims Number
ChaseInk Preferred$100$600$1,800/3 claimsUnlimited800-320-7702
BarclaysUber$25$600$1,200/2 claimsUnlimited866-894-8569
Wells FargoPersonal Cards$25$600$1,200/2 claims4866-804-4770
U.S. BankPlatinum$25$600$1,200/2 claims4866-894-8569
First National BankBusiness Cards$50$600$1,200/2 claims4

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

  • Wells Fargo Cash Wise Visa Card
  • Wells Fargo Rewards Visa Card
  • Wells Fargo Platinum Visa Card
  • Wells Fargo Propel 365 American Express Card
  • Wells Fargo Cash Back College Visa Card
  • Wells Fargo Home Rebate Visa Card

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