Top-Tier Credit Cards for Covering Mobile Phone Expenses
In the ever-evolving landscape of travel credit cards, several stand out for their cell phone protection and rewards benefits. Here's a roundup of some of the best options available in 2025.
No Annual Fee Options
For those seeking no-annual-fee options, the Chase Freedom Flex® and Wells Fargo Autograph Card are worthy contenders. The Chase Freedom Flex® offers cell phone protection up to $800 per claim, $1,000 per year, with a $50 deductible. To qualify, you need to pay your monthly cell phone bill with the card. This card also earns 5% cash back on rotating categories, including travel bookings, and 3% on dining. When paired with a Chase Sapphire card, you gain access to valuable travel transfer partners.
The Wells Fargo Autograph Card, on the other hand, offers cell phone protection covering up to $1,200 per rolling 12-month period, with a maximum of $600 per claim and up to two claims annually, with a $25 deductible per claim. This card earns 3x points on cell phone plan payments, restaurants, travel, gas stations, transit, and streaming services.
Premium Cards with Extensive Benefits
For those willing to pay an annual fee, the Delta SkyMiles® Platinum American Express Card, Capital One Venture X, and The Platinum Card® from American Express are excellent choices.
The Delta SkyMiles® Platinum American Express Card offers cell phone protection up to $1,600 per 12-month period, covering theft, damage, including cracked screens, with a $50 deductible per claim (up to 2 claims per year). This card also offers travel perks like an annual companion certificate for Delta flights, priority boarding, and free checked bags.
The Capital One Venture X is another strong premium travel rewards card that includes cellphone protection among its benefits, although details on exact phone protection amounts are less explicit in available data.
The Platinum Card® from American Express offers hundreds of dollars a year in credit for travel and shopping, lounge access, and other high-end perks, but it does not offer cell phone rewards or extended warranty coverage.
Business Credit Cards with Cell Phone Benefits
For business owners, the Ink Business Preferred® Credit Card and U.S. Bank Triple Cash Rewards Visa® Business Card are worth considering. The Ink Business Preferred® Credit Card offers 3x points on your first $150,000 spent on various business categories each account year, which includes phone services, and cell phone protection. The U.S. Bank Triple Cash Rewards Visa® Business Card earns unlimited 3% cash back on cell phone expenses, with cell phone protection for damage or theft up to $1,000 per year.
Important Considerations
When using a credit card for cell phone-related purchases, it's essential to note that what's covered under cell phone protection varies by provider, and common exclusions include phones that mysteriously go "missing" or cosmetic damage that does not impact the phone's capabilities and functionalities. Always review the terms and conditions of your credit card to understand what is and isn't covered.
[1] For more details on travel transfer partners and other card benefits, visit Chase Ultimate Rewards and American Express Membership Rewards.
[2] For more details on the Delta SkyMiles® Platinum American Express Card, visit Delta SkyMiles® Platinum American Express Card.
[3] For more details on the Delta SkyMiles® Reserve American Express Card, visit Delta SkyMiles® Reserve American Express Card.
[4] For more details on The Platinum Card® from American Express, visit The Platinum Card® from American Express.
[5] For more details on the Capital One Venture X, visit Capital One Venture X.
- The Chase Freedom Flex® and Wells Fargo Autograph Card are two no-annual-fee options in travel credit cards, offering cell phone protection and rewards benefits, providing 5% cash back on travel bookings and 3% on dining with the former, and 3x points on cell phone plan payments with the latter.
- The Delta SkyMiles® Platinum American Express Card is a premium card that provides cell phone protection up to $1,600 per 12-month period, travel perks like an annual companion certificate, priority boarding, and free checked bags, making it an excellent choice for frequent travelers.
- For business owners, the Ink Business Preferred® Credit Card and U.S. Bank Triple Cash Rewards Visa® Business Card are worth considering, offering various business category rewards and cell phone protection, with the latter providing unlimited 3% cash back on cell phone expenses.
- When using a credit card for cell phone-related purchases, it's essential to review the terms and conditions carefully to understand what is and isn't covered under cell phone protection, as common exclusions include phones that mysteriously go "missing" or cosmetic damage that does not impact the phone's capabilities and functionalities.
- To learn more about travel transfer partners and other card benefits, visit Chase Ultimate Rewards and American Express Membership Rewards, while detailed information on the Delta SkyMiles® Platinum American Express Card, The Platinum Card® from American Express, and the Capital One Venture X can be found on their respective websites.
