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Quick Points: Link a credit card with cellphone protection to your mobile bill
19.01.2024 - 21:13 / thepointsguy.com / Credit Card
Credit cards offer all kinds of protection, from travel insurance and trip delay coverage to purchase protection and extended warranty. One of the single most useful benefits any credit card can offer, however, is cellphone protection.
Nearly everyone has a cellphone these days, and the cost of repairing or replacing one if it's damaged, lost or stolen can add up to hundreds or even thousands of dollars depending on the model you carry and your plan.
That's where carrying the right credit card can come in handy. If your credit card provides cellphone protection, it can help cover part or all of the cost of fixing or replacing your phone. The catch? You usually need to pay your phone bill each month using the card that offers the protection. Otherwise, you likely won't be eligible for reimbursement when you need it most.
To ensure you are covered, read on to learn how credit card cellphone protection works and why you should link your credit card with cellphone protection to your mobile bill.
Once a relatively rare perk, more and more credit cards now offer some type of cellphone protection. The specifics vary from card to card. But in general, this coverage will protect you against major damage and, in some cases, theft. However, most policies exclude scratched or cracked screens that do not impact the phone's performance.
Policies typically cover $600 to $800 per claim and up to two or three claims per 12-month period, with a deductible that's usually $50 to $100 per instance.
Most importantly, however, you'll usually need to pay your monthly cellphone bill with your credit card to be eligible for protection. It's not enough to simply carry a credit card with this benefit; you've got to use it to pay your bill month after month to get and keep coverage.
Credit card cellphone protection usually covers not just the primary cardholder's phone but also any supplemental lines listed on the same account that you also pay for. Again, this will vary from card to card, so check your individual card's guide to benefits before deciding which one might have the best coverage for your needs.
The easiest way to accomplish this is to set up autopay on your account with the specific credit card; that way, it's automatically charged every month. Then your cellphone bill is one less thing you have to worry about paying manually each month, and you won't accidentally use a different card (without coverage) to pay your bill.
Related: How I wasted $300 using the wrong card to pay my cellphone bill
Without going into an exhaustive list of the best cards that provide cellphone protection, here are four of the top options.
* Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please
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