![]() Coverage is usually for the primary cardholder's cell phone bill only - However, additional lines on the same bill may be covered. ![]() You must pay your phone bill with the card that offers coverage - Typically, you're required to pay your bill in full with the card, and some policies only kick in after you've paid the previous month's bill.How does credit card cell phone insurance work?Įvery card has different policies and conditions for its cell phone protection, so read your benefits guide for full details and exclusions. Restrictions vary depending on the card, but typically you'll pay a deductible and be covered up to a certain amount per claim and per year. When you pay your monthly bill with the card, you'll get complimentary coverage that may reimburse you for certain types of damage or theft. Read more: Chase credit cards offer purchase protection if a new item is damaged or stolen - here's how to file a claimĬredit card cell phone protection is different. If you've purchased a phone brand new with your credit card, you may already have purchase protection that covers damage or theft for up to 120 days from the date of purchase. What is credit card cell phone protection? ![]() When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay. These cards won't be worth it if you're paying interest or late fees. We're focused here on the rewards and perks that come with each card. A number of credit cards offer cell phone protection at no cost when you use the card to pay your monthly bill - and some of these even offer bonus rewards for wireless spending. While some wireless providers and insurance companies offer cell phone protection, the premiums can be pricey.įortunately, there's another solution if you want to protect your phone without shelling out a lot of cash. ![]() Breaking your cell phone - or having it stolen - is a horrible experience, especially since repair or replacement costs can be exorbitant. ![]()
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