Best Credit Cards with Cell Phone Protection
Cards that protect your phone against damage and theft — just pay your monthly bill with the card.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at this category. Order can differ from that column because ranking adds the adjustments above.
TD Cash Credit Card
TD Bank
- +Cell phone protection
- +$200 cash back bonus (~$200 value)
- +No annual fee
Capital One Venture X Rewards Credit Card
Capital One
- +Cell Phone Protection: Up to $800 per claim for cell phone damage or theft when paying wireless bill with card. $1,600 annual max
- +75,000 miles bonus (~$975 value)
- +Up to 1.4¢/pt via British Airways Club
The Platinum Card from American Express
American Express
- +Cell Phone Protection: Up to $800 per claim and $1,600 annually for cell phone damage or theft when paying monthly wireless bill with Platinum Card — just $50 deductible
- +Est. $1,367/yr in usable credits could cover the $895 fee — actual value depends on use and eligibility
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| TD Cash Credit CardTD Bank | 1% cash back | 1.0¢/$ | $0 | — | visa |
| Capital One Venture X Rewards Credit CardCapital One | 2x Capital One Miles | 2.6¢/$ | $395 | $315 | visa |
| The Platinum Card from American ExpressAmerican Express | 1x Membership Rewards | 1.5¢/$ | $895 | $1,367 | amex |
| SoFi Unlimited 2%SoFi | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Wells Fargo Active Cash CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | visa |
| PenFed Pathfinder Rewards Visa Signature CardPenFed | 1.5x PenFed Honors Advantage | 1.3¢/$ | $95 | $50 | visa |
| TD Double Up Credit CardTD Bank | 2% cash back | 2.0¢/$ | $0 | — | visa |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 1x Wells Fargo Rewards | 1.4¢/$ | $95 | $25 | visa |
| DoorDash Rewards Mastercard®Chase | 1% cash back | 1.0¢/$ | $0 | $199.20 | mastercard |
| PenFed Platinum Rewards Visa Signature® CardPenFed | 1x points | 1.0¢/$ | $0 | — | visa |
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