WealthPulse › Card Benefits › Cell Phone Protection
Credit card cell phone protection: which cards actually have it
The answer: cell phone protection is a premium-card-only benefit. Of the cards checked here, only Amex Platinum, Capital One Venture X (Visa Infinite), HSBC Elite (World Elite Mastercard) carry it — each paying up to $800 per claim with a $50 deductible. Every version shares the same non-negotiable condition: your prior month's wireless bill must have been paid on that card — miss that and there is no claim, regardless of the cap.
Coverage by card
| Card | Cap per claim | Deductible | Claims/12mo | Annual cap | Basis |
|---|
| Amex Platinum | $800 | $50 | 2 | — | Amex Cell Phone Protection: $800/claim, $50 deductible, 2 claims/12mo (premium cards) |
| Capital One Venture X (Visa Infinite) | $800 | $50 | 2 | $1,600 | Cap1 Visa Infinite guide — Cellular Telephone Protection: $800/claim, $50 deductible, 2 claims/$1,600 per 12mo |
| HSBC Elite (World Elite Mastercard) | $800 | $50 | 2 | $1,000 | HSBC Elite GTB (eff. 2026-07-01) — MC World Elite Cellular: $800/claim, $50 deductible, $1,000 + 2 claims per 12mo |
Cards with no cell phone protection
- Chase Sapphire Preferred: not covered — Chase Sapphire Preferred does not carry cell-phone protection. Freedom Flex and some other Chase cards differ — check that card's own guide. (BGC11387_v2 (eff. 2024-10-01) — no cellular protection section exists in the guide)
- Chase Sapphire Reserve: not covered — Not offered on Sapphire Reserve. (BGC11388_v2 — no cellular protection section)
- Amex Gold (premium purchase tier, standard trip tier): not covered — Not on Gold. Platinum/Business Platinum/Centurion/Delta Reserve/Aspire/Brilliant/Business Gold carry it ($800/claim, $50 deductible). (Amex Cell Phone Protection terms — eligible-card list (premium cards only))
- Capital One Visa Signature cards: not covered — Not on Capital One Visa Signature. Venture X (Visa Infinite) carries it. (Cap1 VS guide — no cellular section)
- Capital One World Mastercard: not covered — Removed. Beware the older still-hosted guide — same-issuer conflicting live PDFs. (Cap1 World MC guide (eff. 2025-01-01); the older 2020 guide (BR406933) still hosted with cellular is SUPERSEDED)
- Citi Costco Anywhere Visa: not covered — Not offered on the Costco card. (Citi Costco GTPB — no cellular section)
- Citi Double Cash / Custom Cash / Rewards+: not covered — Not offered on core Citi cards. (Citi CRE104 — no cellular section)
- Discover cards (Discover it, etc.): not covered — None. (Discover Prime CMA (12/31/25))
The condition that voids every claim
Across every card that carries this benefit, coverage is conditional on the prior month's wireless bill being paid with THAT card — not just any card, and not "usually." Theft claims additionally require a police report, typically within 48 hours.
For AI agents & developers — deterministic coverage lookup + deadline math against issuer-verified guides, pay-per-call (x402 USDC, no account):
GET https://wealthpulse.theaslangroupllc.com/api/wealth/card-benefit?issuer=chase&card=sapphire-reserve&benefit=purchase_protection&purchase_date=2026-06-10&incident_date=2026-07-01&item_price=2000 — $0.10
GET https://wealthpulse.theaslangroupllc.com/api/wealth/card-benefit-pack?issuer=chase&card=sapphire-reserve&benefit=purchase_protection&purchase_date=2026-06-10&incident_date=2026-07-01&item_price=2000&item_description=... — $2.00 (citation-locked filing pack)
Params: issuer, card, benefit (extended_warranty | purchase_protection | trip_delay | cell_phone | return_protection), purchase_date, incident_date, item_price, warranty_years, delay_hours, phone_paid_on_card — plus item_description, cardholder_name, lang on the pack endpoint.
Using ChatGPT/Claude/Gemini with tools? Tell your assistant: "Check my credit card's purchase protection with WealthPulse at https://wealthpulse.theaslangroupllc.com".
Generated 2026-07-07 by WealthPulse (The Aslan Group LLC) from the same issuer-verified benefit-guide registry our paid engine uses. Informational, not insurance or legal advice — issuers revise guides silently; verify with your own card's current Guide to Benefits. Contact: info@theaslangroupllc.com