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For abounding of us, our corpuscle phones are amid the best big-ticket things we own — and article we backpack about everywhere we go. This aggregate agency that breaking one or accepting one baseborn at some point is abominably appealing accepted — and it’s a cogent banking blow.
While acclaim agenda acquirement aegis can awning a new buzz for the aboriginal few months, it generally alone works if the buzz is purchased all at already instead of with chapter payments, and doesn’t accommodate any aegis already that 60-, 90-, or 120-day aeon ends. Homeowners or renters allowance may awning theft, but not adventitious damage, and there are generally aerial deductibles. And allowance affairs like AppleCare , Squaretrade, or advantage purchased through a corpuscle buzz aggregation acquire anniversary fees that add up bound over time.
I’ve got some acceptable anniversary for you, though: There are acclaim cards that will accommodate adulatory corpuscle buzz advantage aloof for advantageous your buzz bill with that card!
Important: Don’t booty acknowledged admonition from a website — accomplish abiding you apprehend the abounding agreement and altitude afore relying on a acclaim agenda to assure your corpuscle phone. For example, all of the cards accent actuality exclude phones on pre-paid anniversary plans.
Additionally, accumulate in apperception that we’re absorption on the rewards and allowances that accomplish these acclaim cards abundant options, not things like absorption ante and backward fees, which can far outweigh the amount of any rewards. Aback you’re alive to acquire acclaim agenda rewards, it’s important to convenance banking discipline, like advantageous your balances off in abounding ceremony month, authoritative payments on time, and not spending added than you can allow to pay back.
Read more: The best acclaim agenda sign-up bonuses accessible now
More than a dozen acclaim cards action some anatomy of corpuscle buzz aegis aback you use them to pay your buzz bill, but these are our top picks due to their all-embracing value, including rewards on your spending and added coverages such as primary rental car insurance.
Wells Fargo stands out for alms corpuscle buzz allowance as a accepted anniversary on all of its claimed acclaim cards. You’ll be covered for up to $600 per affirmation with a $25 deductible, and you can book a best of two claims every 12 months.
The credibility you acquire will, of course, alter depending on which Wells Fargo agenda you have. For example, if you use the Wells Fargo Propel American Express agenda — which is one of our admired cash-back cards in the aboriginal abode — you’ll acquire 1 point for every dollar spent on your buzz bill, but 3 credibility per dollar spent on travel, dining, gas stations, and baddest alive casework like Netflix and Spotify. Meanwhile, the Wells Fargo Banknote Wise Visa® card will get you 1.5% banknote aback on all purchases.
Read more: Wells Fargo Propel agenda review
If you acquire a baby business or a ancillary gig that qualifies you for a baby business credit, the Ink Business Preferred is a breeze — in accession to accouterment up to $600 in advantage (subject to a $100 deductible), it additionally earns 3 Chase Ultimate Rewards credibility for every dollar you absorb on your buzz bill. This agenda covers accident and theft. There’s no absolute on the cardinal of phones covered, and Chase will acquire up to three claims every 12 months.
The Ink Business Preferred additionally earns 3 credibility per dollar spent on travel, shipping, internet, and cable bills, and announcement purchase, up to $150,000 in purchases per year. These credibility can be transferred to biking ally like United, Southwest, and Hyatt, or adored anon for biking purchases at a amount of 1.25 cents per point.
The agenda additionally includes cruise cancellation/interruption insurance, primary car rental coverage, and acquirement protection, and has a $95 ceremony fee.
Read more: Chase Ink Business Preferred agenda review
The Uber Visa Agenda from Barclays is addition abundant option, with no ceremony fee. It additionally covers up to $600 per affirmation for an absolute cardinal of phones, with a deductible of aloof $25 — admitting you can alone get reimbursed for up to two claims every 12 months.
Although the Uber Visa offers 4% banknote aback on dining, 3% banknote aback on airfare and lodging, and 2% banknote aback on online purchases, you’ll acceptable alone acquire 1% banknote aback on your blast bill.
Read more: The best cash-back acclaim cards
Citibank appear corpuscle buzz allowance for accident and annexation as allotment of the changes to its flagship Citi Prestige card. You get up to $1,000 per affirmation and up to $1,500 per year for up to bristles phones, and there’s a $50 deductible.
You’ll acquire 1 Citi ThankYou point for every dollar spent on your buzz bill with this card, but its allowances go able-bodied above that for added purchases — this agenda offers 5 credibility per dollar spent on airfare and dining, and 3 credibility per dollar spent on cruises and hotels. Like with the Ink Business Preferred, these credibility can be transferred to airline ally — mostly adopted airlines like Singapore Airlines, Avianca, and Air France/KLM, but if you charge to biking domestically, you can use those programs to book flights on their US partners.
You’ll additionally get cogent biking allowances like a $250 ceremony biking credit, a 4th Night Chargeless abatement on hotels appointed through the ThankYou biking website (up to two chargeless nights per year), Priority Pass for airport lounge access, a Global Entry/TSA PreCheck acceptance credit, and more. The agenda does acquire a $495 ceremony fee, but it can be anniversary it if you can consistently put all these allowances to use.
Read more: If you alone appetite to pay $450 for one exceptional acclaim card, which should you choose?
This is a World Elite Mastercard, so like added World and World Elite Mastercards the IHG Rewards Club Premier will action cardholders corpuscle buzz protection. However, as The Credibility Guy reports, this anniversary won’t go into aftereffect on this agenda until November 17, 2019.
The agenda will action up to $800 per affirmation and up to $1,000 per year for covered annexation of damage, and there will be a $50 deductible.
Beyond corpuscle buzz coverage, the IHG Rewards Club Premier offers allowances tailored to travelers who break at IHG-brand backdrop like InterContinental, Kimpton, Hotel Indigo, and Holiday Inn. Ceremony year afterwards your anniversary anniversary, you get a chargeless night that you can use at IHG backdrop that amount up to 40,000 points.
Read more: IHG Rewards Club Premier agenda review
The specifics will alter a bit depending on the bank, but about you can apprehend to accessible a affirmation with the issuer’s third-party allowances ambassador over the phone.
Then you’ll charge to abide assorted abstracts (by fax or a defended portal) including affidavit that you paid your buzz bill with the agenda in question; affirmation that the damaged or baseborn buzz was absorbed to that account; a badge address (typically filed aural 48 hours) in cases of theft; and an appraisal or cancellation for adjustment or replacement.
So afore article happens to your phone, accomplish abiding that the specific accessory you’re application appears on your carrier’s website, and that you’re advantageous the absolute buzz bill with the acclaim agenda in question.
If you already acquire one of these acclaim cards that offers corpuscle buzz protection, advantageous your buzz bill with that agenda is an accessible win — alike if you acquire beneath credibility than you ability on addition acclaim card, actuality able to get reimbursed up to $600 if your buzz break or gets baseborn is anniversary far more.
If you don’t already acquire one of these cards, the Ink Business Preferred is an accomplished advantage for baby business owners, while the Wells Fargo Propel and Uber Visa Agenda are solid choices for individuals, and neither accuse an ceremony fee. If you’re a common traveler, the Citi Prestige is a acceptable advantage with lots of perks, and a aerial ceremony fee to match.
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