Big-box retailer Best Buy offers a full range of top-tier cell phone insurance options for smartphone owners, allowing consumers to easily replace a faulty device with a new one. Some cell phone owners, however, may be looking to cancel their insurance plans.
Best Buy Cell Phone Replacement Plan
Oftentimes you can purchase cell phone insurance from your phone carrier, but that requires a hefty up-front fee (think AppleCare+) or a monthly charge from your carrier. When it comes time to actually use the insurance, you may still be stuck paying a high deductible.
Also, if you have cell phone coverage other than that on your credit card, that coverage will be primary before the credit card coverage kicks in. With this in mind, you may decide to forgo coverage from your carrier or the manufacturer when you purchase your cell phone.
To cover your phone, you must pay your monthly cell phone bill with your credit card. Coverage typically takes effect on the first of the month after you start paying the monthly service on your card.
Pay your monthly cell phone bill with your card and receive coverage for theft and damage. There is a maximum of $800 per claim, a limit of 2 claims per 12-month period, and a $50 deductible per claim.
The Amex Platinum card is one of the best travel cards on the market thanks to its jam-packed, excellent benefits like the most access to airport lounge networks, rental car benefits, hotel elite status with Marriott and Hilton, statement credits for specific purchases, and even cell phone insurance!
The Delta Platinum card includes up to $1,600 in cell phone protection against theft and damage per 12-month period, including cosmetic damage, which is not often covered with most plans. You can submit up to 2 claims per year for a total of $800 per claim, and keep in mind that each claim will come with a deductible of $50.
As with the Delta Platinum card, the Delta Reserve card also includes up to $1,600 in cell phone protection per 12-month period, including cosmetic damage. You can submit up to 2 claims per year for a total of $800 per claim, and keep in mind that each claim will come with a deductible of $50.
The cell phone insurance coverage provided with the Amex Business Platinum card is top-notch, giving cardholders up to $1,600 in cell phone protection each year. Better yet, the coverage includes cosmetic damages to your phone, like a cracked screen, which is something that many other phone insurance policies exclude.
Just like the personal version of the card, the Delta Platinum Business card offers cardholders up to $1,600 in cell phone protection against theft and damage per 12-month period. You can submit up to 2 claims per year, with a maximum of $800 per claim and a $50 deductible per claim.
The Delta SkyMiles\u00ae Reserve Business American Express Card is a premium card option for small business owners who are both frequent travelers and Delta loyalists.\nWhile the annual fee may be steep, the card comes loaded with perks and benefits that all frequent Delta flyers are sure to love. Let's take a look at what makes the card unique, and why it may be a great fit for your wallet.\n"},"title":"Pros & Cons","pros":"\r\n \tSave 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.\r\n \tComplimentary Delta Sky Club access when flying Delta and\u00a02 Delta Sky Club 1-time guest passes\r\n \tComplimentary Amex Centurion Lounge access when flying Delta\r\n \tAccess to complimentary flight upgrades\r\n","cons":"\r\n \tHigh annual fee\r\n \tDoes not earn many miles for purchases outside of Delta spend\r\n \tRewards are not transferable\r\n","title":"Card Highlights","welcomeBonus":"Welcome Offer: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership. Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees. With complimentary access into Delta Sky Club\u00ae, you can relax before your Delta flight, or find downtime between connections. You\u2019ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you\u2019re traveling together. When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion\u00ae Lounge or Escape Lounge \u2013 The Centurion\u00ae Studio Partner. After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that\u2019s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X). Plus enjoy 3X miles per dollar on all eligible Delta purchases. With Status Boost\u00ae, earn 15,000 Medallion\u00ae Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status. Terms and limitations apply.","cardCategories":["id":107610,"text":"Credit Card Reviews","link":"\/credit-cards\/reviews\/","id":16,"text":"Best Airline Credit Cards","link":"\/credit-cards\/airline-credit-cards\/","id":17,"text":"Best Business Credit Cards","link":"\/credit-cards\/business-credit-cards\/"],"rewardsCenter":"Delta SkyMiles Frequent Flyer Program","financialSnapshot":["id":1,"text":"Foreign Transaction Fees: None"],"title":"More Reads","html":"Best Credit Cards for Airport Lounge AccessComparison of Amex Delta Credit Cards"],"aprText":"20.49% - 29.49% Variable"}))Any business owner who is Delta frequent flyer should consider adding the Delta Reserve Business card to their wallet. It offers cell phone insurance and gives you access to complimentary upgrades, along with Amex Centurion Lounges and Delta Sky Clubs when flying Delta.
The cell phone coverage on the Delta Reserve Business card is the same as all of the other Delta cards included in our list, with up to $1,600 in cell phone protection per 12-month period. Cardholders can submit 2 claims per year, up to $800 per claim, and each claim includes a deductible of $50.
With the Ink Business Preferred\u00ae Credit Card, you get points for all of your spending and even more in certain business categories where you probably tend to spend the most. Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners.\nBusiness owners will also love the protections the card provides like cell phone insurance, purchase protection, rental car insurance, and more.\n \n"},"title":"Pros & Cons","pros":"\r\n \t3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites\r\n \tCell phone protection\r\n \tPurchase protection\r\n \tTrip cancellation and interruption insurance\r\n \tRental car insurance\r\n \tExtended warranty coverage\r\n","cons":"\r\n \tNo elite travel benefits like airport lounge access\r\n","title":"Card Highlights","welcomeBonus":"Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate RewardsÂEarn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchasesRound-the-clock monitoring for unusual credit card purchasesWith Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is openPoints are worth 25% more when you redeem for travel through Chase Ultimate RewardsÂPurchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.Member FDIC","cardCategories":["id":107610,"text":"Credit Card Reviews","link":"\/credit-cards\/reviews\/","id":17,"text":"Best Business Credit Cards","link":"\/credit-cards\/business-credit-cards\/","id":20,"text":"Best Credit Cards","link":"\/credit-cards\/","id":21,"text":"Best Travel Credit Cards","link":"\/credit-cards\/travel-rewards-credit-cards\/","id":55995,"text":"Best Welcome Bonus Offer Credit Cards","link":"\/credit-cards\/best-sign-up-bonuses\/"],"rewardsCenter":"Chase Ultimate Rewards\r\n\r\n ","financialSnapshot":["id":1,"text":"Foreign Transaction Fees: $0"],"title":"More Reads","html":"The Chase Ink Business Preferred 100k Bonus OfferBenefits of the Ink Business PreferredChase Ink Business Preferred Cell Phone ProtectionChase Ink Business Preferred vs Amex Business GoldInk Business Cash vs Ink Business PreferredAmex Business Platinum vs. Chase Ink Business PreferredInk Business Preferred vs Ink Business UnlimitedBest Chase Business Credit CardsBest Business Credit Card for AdvertisingHigh Limit Business Credit Cards"],"aprText":"20.49% - 25.49% Variable"}))While some personal credit cards offer cell phone protection, you can receive both protection and greater earnings with select business credit cards.
For protection to be valid on your cell phone, you must have paid for the phone in full with your eligible card and/or rewards points earned on that card. The following are some of the most popular cards that provide purchase protection that can cover a cell phone in the first few months of ownership:
For the cell phone protection benefit of the Delta SkyMiles Platinum American Express Card, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12-month period. Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG company.
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