The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Credit Cards
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. While we do receive compensation through our credit card application links, ads and clearly indicated sponsored content, our editorial content, points valuations and card analyses are entirely our own. Learn more about our advertising policy and product review methodology.
Best for premium travel benefits
If protecting your cellphone is important to you, consider adding one of the best credit cards for phone protection to your wallet. Smartphones are a central part of our daily lives and they’re also expensive, so it’s important to safeguard these devices from unexpected loss or damage. Replacing a smartphone can easily cost well over $1,000, which is why the risk of damage or theft is a concern.
Choosing a credit card that offers comprehensive protection against phone theft, damage and loss can provide you with peace of mind. We’ve created a list of the best credit cards with phone protection below, ensuring your smartphone and financial wellness remain secured and uncompromised.
MoreDetails
“More details on the best phone protection credit cards”
We included cards that featured solid welcome bonuses with varying minimum spend thresholds to fit different budgets.
Our top picks feature varying annual fees that provide a range of benefits.
We chose phone protection cards that feature advantageous earning rates to get the most out of your purchases.
Our selections provide various options for reward redemptions.
In addition to offering phone protection, our picks also come with multiple other benefits.
Ideally, you want to choose a card that offers the highest protection. For example, the Wells Fargo Reflect® Card covers up to $600 per claim, whereas the American Express Platinum Card® covers up to $800 per claim*. It’s also worth noting the difference in annual fees. It may not be worth paying a high annual fee when you can get slightly less coverage from a credit card with a lower or no annual fee. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Here are some of the main points to consider when choosing a card for phone protection:
Select a card that comes with a decent sign-up bonus since you can use that reward for future travel plans or to pay down your balance in the case of a cash-back card. Pick the option with a reachable spend threshold in a rewards currency that will be valuable to you.
Our list of cards with phone protection come at various annual fee levels, from cards with no annual fee to more premium cards that come with higher annual fees. Pick a card with a fee level that makes sense for your budget.
Many credit cards for cellphone protection also come with various bonus categories, which can be leveraged to earn more rewards on your most frequent purchases.
Link a credit card with cellphone protection to your mobile bill
There is a wide range of cards that offer cellphone protection. Travel cards such as the Chase Sapphire Reserve® and American Express Platinum Card® offer cellphone insurance. Cash-back credit cards, such as the Ink Business Premier® Credit Card, and cobranded cards, including the Delta SkyMiles® Platinum Business American Express Card, also provide cellphone insurance. If you want free cellphone insurance, check a card’s benefits on the issuer’s website before applying.
Most protection plans offered by credit cards cover damage and theft. Protection amounts for the cards listed on this page vary from $600 to $1,000. In order to be eligible for the protection, most companies require that you pay for your phone bill with their credit card.
Knowing you have your phone protected could really pay big dividends if your expensive smartphone is damaged or stolen. Make sure to set up automatic payment for your monthly cellphone bill with a credit card that offers cellphone protection.
The best cellphone protection credit card is one that offers additional benefits you can utilize, such as statement credits, or has an annual fee you are comfortable paying year after year. If a card earns you rewards, provides benefits apart from cellphone protection and has an annual fee worth paying, then that’s the best card for you.
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
Matt Moffitt is a contributing editor and expert in getting the most out of credit cards and points (he carries at least 25 cards in his wallet at any given time). Originally from Sydney, Australia, he won the Green Card Lottery and lived in Austin, Texas for 10 years before relocating to Spain in 2025.
Compliance manager Stanley Sanford has years of compliance experience in the credit card industry dating back to 2017. He's reviewed content for several reputable sites, including CreditCards.com, Bankrate, CNET. and even thepointsguy.com before leading the compliance team for The Points Guy full time in early 2022.
Best for premium travel benefits
| Rate | Category |
|---|---|
| 10 Miles | 10 Miles per dollar on hotels and rental cars booked through Capital One Travel |
| 5 Miles | 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel |
| 2 Miles | 2 Miles per dollar on every purchase, every day |
Earn 75,000 bonus miles
$395
19.74% - 28.74% (Variable)
740-850
Excellent
The Venture X combines high-end benefits like travel credits, mileage bonuses and lounge access with a simple earning formula that’s easy to maximize. Read our full review of the Capital One Venture X Rewards Credit Card.
*For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The Venture X combines high-end benefits like travel credits, mileage bonuses and lounge access with a simple earning formula that’s easy to maximize. Read our full review of the Capital One Venture X Rewards Credit Card.
*For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Best for premium travel benefits
Earn 75,000 bonus miles
$395
19.74% - 28.74% (Variable)
740-850
Excellent
The Venture X combines high-end benefits like travel credits, mileage bonuses and lounge access with a simple earning formula that’s easy to maximize. Read our full review of the Capital One Venture X Rewards Credit Card.
*For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Best for travelers
| Rate | Category |
|---|---|
| 3X | Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. |
| 1X | Earn 1X points on other purchases |
20,000 bonus points
$0
18.74%, 24.74%, or 28.74% Variable APR
670-850
Excellent/Good
The Wells Fargo Autograph offers 3 points per dollar on multiple bonus categories, including travel, gas stations, restaurants, takeout and more. The card also features a 20,000-point welcome bonus (valued at $200) if you spend $1,000 within the first three months of account opening. In addition to the Autograph’s lucrative earning structure, the card also features Visa Signature benefits, up to $600 cellphone protection against damage or theft (subject to a $25 deductible) and no annual fee. Read our full review of the Wells Fargo Autograph.
The Wells Fargo Autograph offers 3 points per dollar on multiple bonus categories, including travel, gas stations, restaurants, takeout and more. The card also features a 20,000-point welcome bonus (valued at $200) if you spend $1,000 within the first three months of account opening. In addition to the Autograph’s lucrative earning structure, the card also features Visa Signature benefits, up to $600 cellphone protection against damage or theft (subject to a $25 deductible) and no annual fee. Read our full review of the Wells Fargo Autograph.
Best for travelers
20,000 bonus points
$0
18.74%, 24.74%, or 28.74% Variable APR
670-850
Excellent/Good
The Wells Fargo Autograph offers 3 points per dollar on multiple bonus categories, including travel, gas stations, restaurants, takeout and more. The card also features a 20,000-point welcome bonus (valued at $200) if you spend $1,000 within the first three months of account opening. In addition to the Autograph’s lucrative earning structure, the card also features Visa Signature benefits, up to $600 cellphone protection against damage or theft (subject to a $25 deductible) and no annual fee. Read our full review of the Wells Fargo Autograph.
Best for unlimited point earning
| Rate | Category |
|---|---|
| 5X | Earn 5X points with hotels |
| 4X | Earn 4X points with airlines |
| 3X | Earn 3X points on restaurants and other travel |
| 1X | Earn 1X points on other purchases |
60,000 bonus points
$95
19.74%, 25.74%, or 28.74% Variable APR
670-850
Excellent/Good
The Wells Fargo Autograph Journey credit card offers healthy reward earning rates on top of uncapped point-earning meaning the sky's the limit — especially if you strategize and spend in popular categories.
The Wells Fargo Autograph Journey credit card offers healthy reward earning rates on top of uncapped point-earning meaning the sky's the limit — especially if you strategize and spend in popular categories.
Best for unlimited point earning
60,000 bonus points
$95
19.74%, 25.74%, or 28.74% Variable APR
670-850
Excellent/Good
The Wells Fargo Autograph Journey credit card offers healthy reward earning rates on top of uncapped point-earning meaning the sky's the limit — especially if you strategize and spend in popular categories.
Best for premium travel perks and digital entertainment
| Rate | Category |
|---|---|
| 5X | Earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year. |
As High As 175,000 points. Find Out Your Offer.
$895
See Pay Over Time APR
Good to Excellent
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Best for premium travel perks and digital entertainment
As High As 175,000 points. Find Out Your Offer.
$895
See Pay Over Time APR
Good to Excellent
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Best for high bonuses
| Rate | Category |
|---|---|
| 3X | Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year |
| 1X | Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn |
Earn 100,000 bonus points
$95
17.74% - 26.74% Variable
670-850
Good, Excellent
This card has a unique set of perks that make it attractive for business owners looking to maximize their earning potential and unlock valuable rewards through the Ultimate Rewards program. And it currently comes with a great welcome offer. Read our full review of the Ink Business Preferred Card.
This card has a unique set of perks that make it attractive for business owners looking to maximize their earning potential and unlock valuable rewards through the Ultimate Rewards program. And it currently comes with a great welcome offer. Read our full review of the Ink Business Preferred Card.
Best for high bonuses
Earn 100,000 bonus points
$95
17.74% - 26.74% Variable
670-850
Good, Excellent
This card has a unique set of perks that make it attractive for business owners looking to maximize their earning potential and unlock valuable rewards through the Ultimate Rewards program. And it currently comes with a great welcome offer. Read our full review of the Ink Business Preferred Card.
What's your favorite phone protection card — and why?
Capital One Venture X Rewards Credit Card“Provided I charge my monthly cell phone bill to my Venture X card on the month my phone is damaged or stolen, I’m protected thanks to the benefits* of being a Venture X cardholder. Having such comprehensive coverage offers lots of peace of mind.”
American Express Platinum Card®“Who hasn’t had to replace their iPhone screen at least once? Whether I accidentally drop and crack my phone screen or it gets stolen, this card covers up to $800 per claim (two claims per 12-month period), making it ideal for everyday phone protection coverage.”
Best for cash rewards
The Wells Fargo Active Cash card stirs up the cash rewards card market with the ability to earn 2% cash rewards on purchases, with no categories to track or remember. Read our full review of the Wells Fargo Active Cash Card.
Best for cash rewards
| Credit card | Best for | Intro offer | Earning rate | Annual fee | Apply |
|---|---|---|---|---|---|
Capital One Venture X Rewards Credit Card | premium travel benefits | Earn 75,000 bonus miles | 2 - 10X miles | $395 | Apply now at Capital One's secure siteSee rates & fees |
Wells Fargo Autograph® Card | |||||
Wells Fargo Autograph Journey® Card | |||||
American Express Platinum Card® | |||||
Ink Business Preferred® Credit Card | |||||
Wells Fargo Active Cash® Card |
| Rate | Category |
|---|---|
| 2% | Earn unlimited 2% cash rewards on purchases |
$100 cash rewards
$0
18.74%, 24.74%, or 28.74% Variable APR
670-850
Excellent, Good
The Wells Fargo Active Cash card stirs up the cash rewards card market with the ability to earn 2% cash rewards on purchases, with no categories to track or remember. Read our full review of the Wells Fargo Active Cash Card.
$100 cash rewards
$0
18.74%, 24.74%, or 28.74% Variable APR
670-850
Excellent, Good
The Wells Fargo Active Cash card stirs up the cash rewards card market with the ability to earn 2% cash rewards on purchases, with no categories to track or remember. Read our full review of the Wells Fargo Active Cash Card.
| travelers |
| 20,000 bonus points |
| 1 - 3X points |
| $0 |
| at Wells Fargo's secure siteSee rates & fees |
| unlimited point earning |
| 60,000 bonus points |
| 1 - 5X points |
| $95 |
| at Wells Fargo's secure siteSee rates & fees |
| premium travel perks and digital entertainment |
| As High As 175,000 points. Find Out Your Offer. |
| 5X points |
| $895 |
| at American Express's secure siteSee rates & fees |
| high bonuses |
| Earn 100,000 bonus points |
| 1 - 3X points |
| $95 |
| at Chase's secure siteSee rates & fees |
| cash rewards |
| $100 cash rewards |
| 2% cash rewards |
| $0 |
| at Wells Fargo's secure siteSee rates & fees |
