Cracked monitors and water-logged batteries can signal the end of the road for a cell phone. As a whole lot as people rely on their phones for everyday responsibilities, it could be helpful to have a plan in place for financing a brand new tool need to something happen.
With the right credit card, you can gain supplemental cell phone coverage in case your telephone is ever stolen, damaged or lost. We mentioned some card alternatives so one can don’t forget that offer strong mobile smartphone insurance advantages, introductory APR gives or both to help you repay your telephone without accruing hobby.
At a glance
Card Coverage Claims Deductible APR provide
Uber Visa Card Up to $600 consistent with declare 2 claims in keeping with 365 days $25 per claim None
Wells Fargo Propel American Express® Card Up to $600 per declare 2 claims in step with three hundred and sixty-five days $25 in step with declare zero% for one year on purchases and qualifying stability transfers (16.24% to 28.24% variable APR after that)
U.S. Bank Visa® Platinum Card Up to $six hundred in step with declare 2 claims consistent with 12 months $25 in step with claim zero% for 18 billing cycles on purchases and balance transfers (14.74% to twenty-five.Seventy four% variable APR after that)
Citi Prestige® Card Up to $1,000 according to declare $1,500 consistent with calendar yr $50 according to declare None
Uber Visa Card
The Uber Visa Card offers four% cash returned on eating, three% on hotel and airfare, 2% on on line purchases (consisting of Uber) and 1% on everything else.
As lengthy as you pay your mobile phone bill with the cardboard, the Uber Visa offers as much as $600 in mobile telephone damage, robbery or loss in keeping with a claim. You’ll need to pay a $25 deductible to be able to manner a claim and might make a most of two claims ($1,two hundred) in keeping with 12-month length.
You’ll have a 90-day period from the day of the harm, robbery or loss to record a claim. To get hold of the to declare shape, contact Barclays’ Benefits Administrator.
Wells Fargo Propel American Express® Card
Earn 3X factors on gas, eating, flights, inns and greater, along with 1X points on the whole thing else with the Wells Fargo Propel.
The Propel’s mobile smartphone safety calls for a $25 deductible, however, covers up to $600 in line with the claim and $1,two hundred total within a 12-month length. You ought to pay your monthly cellular telephone invoice with the cardboard so that it will qualify. The difference among the Uber Visa and Propel playing cards is that the Propel doesn’t cover cellular telephones which have been misplaced.
Additionally, you’ll acquire an introductory zero% APR on purchases and qualifying balance transfers for twelve months (sixteen.24% to twenty-eight.24% variable APR after that). That manner you’ll have three hundred and sixty-five days to repay your new cell telephone without paying whatever in interest.
Wells Fargo Platinum Visa card
As a 2d Wells Fargo card option, the Platinum card gives an 18-month 0% introductory APR (13.Seventy four% to 27.24% variable APR after that) on purchases and qualifying stability transfers — the longest APR offer available from Wells Fargo.
There’s no rewards shape for this card, but it does provide diverse travel protections and the equal cell telephone coverage because the Propel.
U.S. Bank Visa® Platinum Card
If you’re making plans to make a massive buy within the future or have any credit score card debt to repay, the U.S. Bank Visa Platinum offers a 0% introductory APR on purchases and balance transfers for 18 billing cycles (14.Seventy four% – 25.Seventy four% variable APR thereafter).
This card’s introductory provide is one of the longest available, but it comes at a charge — you gained’t earn any rewards. Additionally, you’ll need to pay a three% balance transfer price.
The card does provide cellular cellphone protection of as much as $six hundred in keeping with a claim. Similar to the previous playing cards noted, you’ll need to pay a $25 deductible and can make up to two claims according to one year.
To qualify for coverage, surely pay your cellular smartphone invoice with the card each month. You’ll be covered for robbery, harm or loss related to your cellphone.
Citi Prestige® Card
Frequent vacationers with a hankering for luxurious perks will experience the Citi Prestige’s 5X factors on-air tour and eating places, 3X on lodges and cruise traces and 1X on the entirety else.
For a whopping $495 annual price, you’ll have to get admission to to blessings like a $250 journey credit every calendar year, VIP front room access and a complimentary fourth-night hotel stay while you ebook at least four consecutive nights via ThankYou.Com.
As of May 2019, the Citi Prestige gives cell smartphone robbery and harm coverage of as much as $1,000 in keeping with declare. The coverage extends to up to 5 eligible cell phones per account and calls for you pay a $50 deductible in line with declare. You can claim as much as $1,500 in step with the calendar year.
The data associated with the Wells Fargo Platinum Visa Card and the Wells Fargo Propel American Express Card and the Uber Visa Card has been gathered via Bankrate and has not been reviewed or supplied through the issuer or provider of this services or products.
Best credit score playing cards for financing new cellular phones
