Skip to content

How to submit a cellphone insurance claim for the Ink Business Preferred

Jan. 11, 2022
5 min read
How to submit a cellphone insurance claim for the Ink Business Preferred
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Editor's Note

This guide has been updated with the latest information. 

Update: Some offers mentioned below are no longer available. View the current offers here.


Cellphone protection can be an extremely valuable benefit, and it’s available on increasingly more credit cards, with the Capital One Venture X Rewards Credit Card as the latest to add this protection.

Personally, I use the Ink Business Preferred Credit Card from Chase to pay my cellphone bill, as it now covers up to $1,000 per claim for repairs or replacement (up to three claims in a 12-month period) after a $100 deductible per claim.

Damaged or stolen phones are covered, but lost phones are not. For stolen phones, a police report must be filed within 48 hours of the incident.

On my tour of the Pacific islands several years ago, my iPhone was no match for the mighty Pacific. Water damage was not covered by my iPhone warranty, so I was looking at a $549 fee for an out-of-warranty replacement. Luckily, my Chase Ink Business Preferred had me covered, and I was able to submit this expense for reimbursement, minus the $100 deductible.

To be eligible for cellphone protection, you only need to have paid the bill preceding the incident with your Ink Business Preferred card. You don’t need to have purchased the cellphone or paid for the repair with the card.

I’ll take you through the step-by-step process of submitting an insurance claim for the Ink Business Preferred in case you find yourself in the unenviable position of needing it. You can submit a claim over the phone, but it’s much easier to do online.

Before you start, be sure to have the following information available, including the documents in digital form ready to upload.

  • Ink Business Preferred credit card number.
  • Cellphone purchase date.
  • Bill pay date (prior to incident).
  • Cellphone make, model and serial number.
  • Claim amount.
  • Description of incident.
  • Document: Credit card statement prior to incident.
  • Document: Cellphone statement prior to incident.
  • Document: Police report (if phone was stolen).
  • Document: Device summary that shows serial/IMEI number and link to wireless account.
  • Document: Diagnosis and service summary (if applicable).
  • Document: Receipt for repair/replacement.

Your first step is going to cardbenefitservices.com. If you don’t already have an account, you will need to create one.

Sign up for our daily newsletter
(Screenshot courtesy of Asurion)

Once you’re logged in, you’ll be taken to the Claims Center, from which you can submit or manage claims and products.

(Screenshot courtesy of Asurion)

Select “File a claim” and you’ll be taken through five straightforward steps to submit the claim.

(Screenshot courtesy of Asurion)

The reimbursement method gives you the choice of a mailed check or a payment to your card. For the latter, a card benefits representative will call you for your card information.

Four documents are required (five if the phone was stolen), but I added three more on my own to expedite the processing.

This is what I submitted for each document:

  • Cellular wireless telephone account (required): Full PDF of most recent cellphone bill.
  • Service provider billing statement (required): Full PDF of most recent phone bill.
  • Device summary page (required): Photo of receipt from AT&T store of my cellphone purchase, which listed device IMEI number.
  • Credit card statement (required): Full PDF of most recent credit card statement.
  • Apple service confirmation (my add): Diagnostic report from Apple Genius Bar confirming phone damage.
  • Apple service receipt (my add): Shows the amount I paid for the repair.
  • Credit card line item for cellphone payment (my add): The most recent cellphone bill was paid after my most recent credit card statement, so I included this.

Rather than wait for a benefits administrator to approve the claim and ask for diagnostic information and a replacement receipt, I added those initially. I didn't know if the credit card line item would be needed, but I wanted to eliminate any back and forth and give them everything they could possibly need to approve the claim.

When I finished the steps and returned to the Claims Center, I could select “Manage claims” and see that my claim was under review.

The next day, I received notice the claim had moved to adjudication, and the following day I was told a check was in the mail. Five business days later, a letter arrived and inside was a check for $449, which equaled the pretax cost of the phone replacement minus the $100 deductible.

In all, it took seven business days from when I filed my claim until I received my check. Presumably, it would have been even faster if I had chosen payment directly to my card.

I’d highly recommend ditching handset protection fees from a cellphone provider and paying your monthly bill with a credit card that offers handset protection, like the Ink Business Preferred.

Related: Credit cards that offer cellphone protection

Additional reporting by Chris Dong.

Featured image by (Photo by John Gribben for The Points Guy)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Top offers from our partners

How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
See all best card offers

TPG featured card

Best premium travel card for value
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

1 - 10X points
10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5xEarn 5x total points on flights through Chase Ultimate Rewards®.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases

Intro offer

80,000 bonus points
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

Annual Fee

$550

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase's Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories

Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Best premium travel card for value
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5xEarn 5x total points on flights through Chase Ultimate Rewards®.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases
  • Intro Offer
    Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

    80,000 bonus points
  • Annual Fee

    $550
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase's Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories

Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more