No-Annual-Fee Cards with Cell Phone Protection
$0 annual fee cards that still offer cell phone protection.
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.
Top Pick
TD Cash Credit Card
TD Bank
1% cash back
- +Cell phone protection
- +$200 cash back bonus (~$200 value)
- +No annual fee
VISA
1.0¢
per dollar
No annual fee
Welcome: $200 cash back
Runner-Up
SoFi Unlimited 2%
SoFi
2% cash back
- +Cell phone protection: Up to $800 per claim and $1,000 per year for a stolen or damaged phone (2 claims per year) when you pay your wireless bill with the card.
- +No annual fee
MASTERCARD
2.0¢
per dollar
No annual fee
Also Great
Wells Fargo Active Cash Card
Wells Fargo
2% cash back
Up to 3.2¢/$ via Choice Privileges
- +Cell Phone Protection: Get up to $600 per claim when your phone is damaged or stolen and you pay your wireless bill with this card.
- +$100 cash back bonus (~$100 value)
- +Up to 1.6¢/pt via Choice Privileges
VISA
2.0¢
per dollar
No annual fee
Welcome: $100 cash back
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| TD Cash Credit CardTD Bank | 1% cash back | 1.0¢/$ | $0 | — | visa |
| SoFi Unlimited 2%SoFi | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Wells Fargo Active Cash CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | visa |
| TD Double Up Credit CardTD Bank | 2% cash back | 2.0¢/$ | $0 | — | visa |
| DoorDash Rewards Mastercard®Chase | 1% cash back | 1.0¢/$ | $0 | $199.20 | mastercard |
| PenFed Platinum Rewards Visa Signature® CardPenFed | 1x points | 1.0¢/$ | $0 | — | visa |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 1x Wells Fargo Rewards | 1.4¢/$ | $0 | — | visa |
| Choice Privileges MastercardWells Fargo | 1x Choice Privileges | 0.8¢/$ | $0 | — | mastercard |
| State Farm Premier Cash Rewards Visa Signature®U.S. Bank | 1% cash back | 1.0¢/$ | $0 | — | visa |
| Navy Federal GO REWARDS® CardNavy Federal | 1x Navy Federal nRewards | 1.0¢/$ | $0 | — | visa |
More Options
#4TD Double Up Credit CardNo fee
2.0¢/$
#5DoorDash Rewards Mastercard®No fee
1.0¢/$
#6PenFed Platinum Rewards Visa Signature® CardNo fee
1.0¢/$
#7Wells Fargo Autograph Visa Credit CardNo fee
1.4¢/$
#8Choice Privileges MastercardNo fee
0.8¢/$
#9State Farm Premier Cash Rewards Visa Signature®No fee
1.0¢/$
#10Navy Federal GO REWARDS® CardNo fee
1.0¢/$
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Open in full search with filters →Guides for this category
- Points & MilesPoints vs. cash back: 3 numbers that decide which card earns moreCash back is worth its face value; points are worth what you redeem them for. Compare earn rate, point value, and annual fee to see which pays you more.
- GuidesA monthly credit card statement audit for fees, subscriptions, and errorsA monthly statement check: reconcile the balance, scan for errors and unwanted subscriptions, review fees and interest, and use the billing-error process in time.
- Card StrategyChase Sapphire Preferred renewal value without the welcome bonusIs Sapphire Preferred worth $95 again without the welcome bonus? A renewal worksheet: the hotel credit on a real booking, transfers you will use, and the alternative.
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