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Credit Cards with Cell Phone Insurance Protection

A lesser known but potentially very valuable credit card benefit is cell phone insurance (or “cell phone protection”). This is a benefit that comes with your credit card and generally cover accidental damage and theft, but not simple loss.

In many cases, having a credit card with cell phone protection benefits means that you can skip having to pay your cell phone carrier for their protection plan, although you need to be aware of the differences. Some more expensive carrier plans do include accidental loss as a benefit. None of the credit card insurance include accidental loss, however some cards do include a warranty benefit for lost phones within a certain period of time from date of purchase.

The most important thing to know is that each of the cards that offers this benefit will require that you pay your cell phone bill in full each month with that credit card. If you don’t and you have a claim, they will ask to see copies of your bills and you will be out of luck.

Below, we look at each credit card that offers a cell phone insurance or protection benefit along with the general terms, limits, and deductibles.

Credit Card NameBenefit DetailsLimits and Deductible
Chase Freedom FlexReimbursement for the actual cost to replace or repair a Stolen or damaged Eligible Cellular Wireless Telephone when paid in full on your Card.Limit: The maximum liability is $600 per claim for World Mastercard, and $1,000 per Covered Card per 12 month period. Coverage is limited to two (2) claims per Covered Card per 12 month period.

Deductible: $50 deductible per claim.
IHG Premier Credit CardReimbursement for the actual cost to replace or repair a Stolen or damaged Eligible Cellular Wireless Telephone when paid in full on your Card.Limit: The maximum liability is $600 per claim for World Mastercard, and $1,000 per Covered Card per 12 month period. Coverage is limited to two (2) claims per Covered Card per 12 month period.

Deductible: $50 deductible per claim.
Platinum Card from American Expressif a Card Members’ cell phone is stolen or damaged, including a cracked screen, they can be reimbursed for the repair or replacement costs when their cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid by an Eligible Card Account.

Terms apply.
Limit: Up to two approved claims, for a maximum of $800 per claim or $1,600 per 12-month period.

Deductible: A $50 deductible applies to each approved claim.
Delta SkyMiles Platinum American Express Cardif a Card Members’ cell phone is stolen or damaged, including a cracked screen, they can be reimbursed for the repair or replacement costs when their cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid by an Eligible Card Account.

Terms apply.
Limit: Up to two approved claims, for a maximum of $800 per claim or $1,600 per 12-month period.

Deductible: A $50 deductible applies to each approved claim.
Delta SkyMiles Reserve American Express Cardif a Card Members’ cell phone is stolen or damaged, including a cracked screen, they can be reimbursed for the repair or replacement costs when their cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid by an Eligible Card Account.

Terms apply.
Limit: Up to two approved claims, for a maximum of $800 per claim or $1,600 per 12-month period.

Deductible: A $50 deductible applies to each approved claim.
Citi PrestigeApplies to damage and theft for up to 5 cell phones as long as the bills are paid in full on the Citi Prestige. For stolen phones, note that Stolen means taken by force and/or under duress or a loss which involves the disappearance of an Eligible Cellular Wireless Telephone from a known place under circumstances that would indicate the probability of theft and for which a police report was filed within forty-eight hours of the theft.Limit: Up to $1,000 per claim with up to 2 claims per year. Max is $1,500 in a 12-month period

Deductible: $50 deductible per claim.
Wells Fargo PropelSupplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Reimbursement is limited to the repair or replacement of your original cell phone. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. Limit: Allowable maximum of two paid claims per 12 month period. Each approved claim has a benefit limit of $600.

Deductible: $25 per claim
Chase Ink Business PreferredYou are covered theft or damage for you and your employees listed on your monthly cell phone bill when you pay the bill in full with your Chase Ink Business Preferred credit card.Limit: Up to $600 per claim. Maximum of 3 claims in a 12 month period with a $100 deductible per claim

Deductible: A $100 deductible applies to each approved claim.
Business Platinum Card from American Expressif a Card Members’ cell phone is stolen or damaged, including a cracked screen, they can be reimbursed for the repair or replacement costs when their cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid by an Eligible Card Account.

Terms apply.
Limit: Up to two approved claims, for a maximum of $800 per claim or $1,600 per 12-month period.

Deductible: A $50 deductible applies to each approved claim.
Delta SkyMiles Platinum Business American Express Cardif a Card Members’ cell phone is stolen or damaged, including a cracked screen, they can be reimbursed for the repair or replacement costs when their cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid by an Eligible Card Account.

Terms apply.
Limit: Up to two approved claims, for a maximum of $800 per claim or $1,600 per 12-month period.

Deductible: A $50 deductible applies to each approved claim.
Delta SkyMiles Reserve Business American Express Cardif a Card Members’ cell phone is stolen or damaged, including a cracked screen, they can be reimbursed for the repair or replacement costs when their cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid by an Eligible Card Account.

Terms apply.
Limit: Up to two approved claims, for a maximum of $800 per claim or $1,600 per 12-month period.

Deductible: A $50 deductible applies to each approved claim.
Deserve EDU Student Credit CardSecondary cell phone coverage if your phone is lost or stolen and you pay your monthly bill with the cardLimit: $600 per claim/ $1,000 per year.

Deductible: $50

 For all American Express cards: 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.
  • Please visit americanexpress.com/benefitsguide for more details.
  • Underwritten by New Hampshire Insurance Company, an AIG Company.

Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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16 Cards Available:

Credit card
Estimated Bonus Value :

$2,400

Calculator

dollar Annual Fee: $395

Calculator
Estimated Bonus Value :

$2,400

Offer: Earn 150,000 bonus miles once you spend $30,000 on purchases within your first 3 months from account opening

How the Venture X Business Earns Miles

Like the personal version of the card (the Venture X), you'll get:

  • 10X Capital One Miles on hotels and rental cars when booked via Capital One Travel
  • 5X Capital One Miles on airfare booked via Capital One Travel - which utilizes Hopper.
  • 2X Capital One Miles on everything else

Capital One Venture X Business Credit Card Benefits

One big difference between this card and the Venture X is that this is a Pay in Full card (balance due in full each month) with no preset spending limit. So you can expect to be able to put a ton of spend on the card.

Besides that, you'll notice it basically looks like Venture X, but it is missing a few perks. There's no Hertz President's Club status. I'm also not yet sure what the car rental CDW and travel protections look like. The personal card is a Visa Infinite but this is a Business card and benefits can vary. So I'm going to omit those details until I can confirm.

Another difference is that Authorized Users can be added for no fee but they do NOT get their own Priority Pass membership.

You won't be eligible if you already have a Spark Cash Plus, but other than that, most people should be eligible.

This card will not report to your personal credit, just like the Spark Cash Plus doesn't.

What you will get:

  • Up to a $300 credit annually (cardmember year, not calendar year) for bookings made on Capital One Travel
  • 10,000 bonus miles every account anniversary (equal to $100 towards travel)
  • Unlimited access to including Capital One Lounges and their Partner Lounge Network including Plaza Premium and Priority Pass. Like the personal card, you won't have access to Priority Pass "Experiences" such as airport restaurants.
  • When using airport lounges, members (and authorized users) can bring in two guests to Plaza Premium and Capital One lounges as well as unlimited guests for Priority Pass lounges.
  • Up to $100 in statement credits for either TSA PreCheck or Global Entry
  • Authorized Users can be added for no fee but they do NOT get their own Priority Pass.
  • Book a stay at luxury hotels and resorts from the Premier Collection and get a $100 experience credit and other premium benefits on every booking
  • No foreign transaction fees
Offer: Earn 150,000 bonus miles once you spend $30,000 on purchases within your first 3 months from account opening
Credit card
Estimated Bonus Value :

$2,040

Calculator

dollar Annual Fee: $695

Calculator
Estimated Bonus Value :

$2,040

Offer: 120,000 Membership Rewards points when you spend $15,000 within 3 months. Terms apply. (Rates and Fees).

A great card for flights and prepaid hotels earning 5x points, and for large expenses over $5,000 for 1.5x points. It earns:

  • 5X Membership Rewards points on flights and prepaid hotels booked via AmexTravel
  • 1.5X Membership Rewards points on any single purchase that is over $5,000
  • 1.5X Membership Rewards at U.S. Construction material and hardware suppliers, Electronic goods retailers and software & at cloud system providers, and with Shipping providers
  • 1X Membership Rewards points on other purchases

(1.5X purchases are capped at $2,000,000 in spend per calendar year.)

Card Benefits

  • Hilton Gold status (enrollment required)
  • Marriott Gold status (enrollment required)
  • Receive up to $100 as a statement credit every 4 years after you apply for Global Entry or every 4.5 years for TSA Pre✔®
  • Access to the American Express Global Lounge Collection which includes Centurion, Delta, and Priority Pass Lounge access (enrollment required)
  • Fine Hotels and Resorts benefits
  • $200 airfare credit for incidentals like luggage fees on your chosen airline. (enrollment required). Terms apply.
  • $200 in Dell statement credits twice annually, up to $400 total (Jan-June and July-Dec; Enrollment required / terms apply).
  • Up to $120 a year in wireless credits; up to $10 per month, Enrollment required / terms apply.
  • Up to $360 in Indeed credits ($90 per quarter; enrollment required, Terms Apply)
  • Up to $150 in credits with Adobe on annual prepaid plans for eligible Creative Cloud for teams and Acrobat Pro DC with e-sign, enrollment required, Terms Apply.
  • $189 CLEAR® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership - subject to auto-renewal.
  • (Enrollment required; credit is a statement credit.)

Note: When displaying Estimated Rewards Values and calculations, this card is factoring in airline and hotels at 5x. This requires booking at AmexTravel.com and, if you do not, your earned rewards will change. Hotel bookings made via AmexTravel will generally not earn points or elite benefits.

Offer: 120,000 Membership Rewards points when you spend $15,000 within 3 months. Terms apply. (Rates and Fees).
Credit card
Estimated Bonus Value :

$1,360

Calculator

dollar Annual Fee: $695

Calculator
Estimated Bonus Value :

$1,360

Offer: Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Terms apply. (Rates and Fees)

The Platinum Card® from American Express is full of caché and its heavy metal design will catch more than a few looks. While the fee isn't small, you get a lot back in the form of statement credits and other perks and benefits.

Statement Credit Offers

  • $200 in Uber credits annually ($15 per month with a $20 bonus in December)
  • $100 in annual Saks Fifth Avenue shopping credits per year ($50 January-June and $50 July-December) as statement credits (Enrollment required)
  • $200 in annual airline fee credits (as statement credits) for your chosen airline (Enrollment required)
  • $240 Digital Entertainment Credit which is good for up to $20 back each month on select digital subscriptions with The Wall Street Journal, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. (Enrollment Required)
  • $200 Hotel Credit as statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, with a two night minimum stay, with American Express Travel. (Enrollment Required) 
  • $189 CLEAR® Plus Credit: Get up to $189 back per year on your membership (subject to auto-renewal) when you use your Platinum Card® (Enrollment Required) 
  • $300 Equinox Credit: Receive up to $300 back per calendar year in statement credits for purchases at Equinox. Valid for Equinox All Access, Destination, or E by Equinox membership fees, or for Equinox+. (Enrollment required)
  • $300 statement credit when you purchase a SoulCycle At-Home Bike, up to 15x per calendar year. An Equinox+ membership is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. (Enrollment required)
  • $155 Walmart+ Credit: The cost of a $12.95 monthly Walmart+ membership is covered with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. (Plus Ups are excluded.)

(All above offers require enrollment after you receive the card.)

You also get access to the American Express Global Lounge Collection, which includes the Centurion Lounges, Priority Pass, and Delta SkyClubs when you are flying Delta. (Enrollment required)

In addition, you get elite status in two hotel programs (enrollment required):

  • Marriott Bonvoy Gold Elite
  • Hilton Gold

While the Bonvoy Gold status is mostly good for small room upgrades and bonus points on stays, Hilton Gold confers free breakfast - a benefit that can really add up!

More Platinum Card benefits:

  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck®
  • Secondary Car rental CDW/LDW collision/damage coverage
  • Lost, damaged or stolen baggage insurance
  • Extended warranty, purchase protection and return protection on covered purchases
  • No foreign transaction fees.
  • Access to the Platinum Concierge line

Cell phone protection:

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.
  • Please visit americanexpress.com/benefitsguide for more details.
  • Underwritten by New Hampshire Insurance Company, an AIG Company.

NOTE: This card earns 5x on airfare and hotels, however, the airfare must be booked direct with the airline or at Amex Travel and the hotels must be prepaid at Amex Travel to earn 5x. Limit of up to $500,000 on these purchases per calendar year. This site's Estimated Rewards Values will calculate all airfare and hotels at 5x points, so if your hotels are booked directly (which you generally need to do to earn hotel points and status/benefits) please note that they will not earn 5x and your actual rewards value will vary accordingly.

Offer: Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Terms apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$1,200

Calculator

dollar Annual Fee: $550

Calculator
Estimated Bonus Value :

$1,200

Offer: Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023. Terms Apply. (Rates and Fees)

The Delta SkyMiles® Reserve Business American Express Credit Card offers an annual companion certificate in any cabin class and Delta Sky Club Access + Centurion Lounge, plus your first checked bag free and priority boarding on Delta.

Enjoy Delta Sky Club® access at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.

With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.

Delta Reserve Business Bonus Categories

  • Earn 3X miles on eligible Delta purchases

Additional Delta Reserve Business Benefits

  • Complimentary Delta Upgrades: For those without Delta Medallion Elite status, you will still be eligible for complimentary domestic upgrades after all elite members have cleared.
  • Additionally, Reserve cardholders with status get upgrade list priority over members at the same Medallion tier without the Reserve card
  • Annual domestic companion certificate in any class, including First and Business (This can be an amazing value, especially on a Delta One transcontinental flight).
  • $100 statement credit every 4 years for Global Entry or an $85 statement credit for TSA Pre✓® every 4.5 years.

Terms apply.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023. Terms Apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$1,200

Calculator

dollar Annual Fee: $395

Calculator
Estimated Bonus Value :

$1,200

Offer: Earn 75,000 bonus miles once you spend $4,000 on purchases within your first 3 months

Capital One Venture X Credit Card Earn Rate

  • 10X Capital One Miles on hotels and car rentals when booked via Capital One Travel
  • 5X Capital One Miles on airfare booked via Capital One Travel - which utilizes Hopper.
  • 2X Capital One Miles on everything else

Capital One Venture X Credit Card Benefits

Capital One launched this card with a laundry list of benefits which are very impressive. You'll quickly see that the annual fee is wiped out and then some by the benefits.

  • Up to a $300 credit annually for bookings made on Capital One Travel
  • 10,000 bonus miles every account anniversary (equal to $100 towards travel)
  • Unlimited access to Capital One Lounges and also to 1,300+ Priority Pass lounges internationally + two guest passes (Effective January 1, 2023, Priority Pass non-lounge airport experiences (like dining, retail shopping and spa discounts) are not part of the Visa Infinite® benefit program for Venture X cardholders.)
  • Up to $100 in statement credits for either TSA PreCheck or Global Entry
  • Complimentary Hertz President’s Circle status (top tier!) for primary cardholders, authorized users and account managers. The status is valid until Dec 31, 2024.
  • Primary Car Rental Collision/Damage Coverage
  • Authorized Users can be added for no fee and they also get their own Priority Pass membership.
  • Cardholders can earn up to 100,000 miles per year for referring friends, who can then experience the unparalleled benefits Venture X has to offer (up to 4 referrals per year; 25,000 miles awarded per referral)
  • No foreign transaction fees

You can transfer to several airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

If you used our Credit Cards Optimization Tool to find this card, please remember that the 10X and 5X bonus rates only apply to travel booked through the Capital One Travel Portal.

Offer: Earn 75,000 bonus miles once you spend $4,000 on purchases within your first 3 months
Credit card
Estimated Bonus Value :

$1,080

Calculator

dollar Annual Fee: $250

Calculator
Estimated Bonus Value :

$1,080

Offer: Limited Time Offer: Earn 90,000 Bonus Miles after you spend $8,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/23. Terms Apply. (Rates and Fees)

With the Delta SkyMiles® Platinum Business American Express Card you'll get an annual main cabin "Buy One, Get One" companion certificate, plus your first checked bag free and priority boarding on Delta.

Earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Delta Platinum Card, up to two times through 12/31/23. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges. Terms apply.

Delta Business Platinum Bonus Categories

  • Earn 3X miles on Delta purchases.
  • Earn 3X miles on hotels (purchased directly with the hotel - much better than when you have to use a booking portal!)
  • Earn 1.5 miles on purchases of $5,000 or more, up to 50,000 miles per year.

Additional Amex Delta Business Platinum Benefits

  • $100 statement credit every 4 years for Global Entry or an $85 statement credit for TSA Pre✓® every 4.5 years.
  • Buy One, Get One Companion Certificate on select fares.
  • $50 Delta SkyClub per-visit lounge access for yourself and up to two guests when flying Delta. Effective 1/1/24, this benefit will no longer be available.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Limited Time Offer: Earn 90,000 Bonus Miles after you spend $8,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/23. Terms Apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$1,020

Calculator

dollar Annual Fee: $650

Calculator
Estimated Bonus Value :

$1,020

Offer: Earn two 85K Free Night Awards after you spend $6,000 in purchases on the Card in your first 6 months. Each award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy. Card Members could enjoy a value of up to $1,200 when redeeming each reward. Certain hotels have resort fees. Offer ends 11/1/2023. (Rates and Fees)

With the Marriott Bonvoy Brilliant® American Express® Card, you'll receive automatic Marriott Platinum status and 25 elite nights credits every year.

Marriott Bonvoy Platinum status gets you free breakfast (or Executive Lounge access and free breakfast in the Executive lounge if the hotel has one) at most full service Bonvoy properties (Ritz Carlton and EDITION are excluded). You also get a guaranteed 4pm late checkout at all Bonvoy hotels unless they are a resort or conference hotel.

This card earns Marriott Bonvoy points for purchases:

  • 6x points at Marriott hotels
  • 3x points at restaurants worldwide and on flights booked directly with airlines
  • 2x points on all other eligible purchases.

The Bonvoy Brilliant card comes with an annual free night award (up to 85,000 Marriott Bonvoy points in value) at renewal and a $25 monthly credit for up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.

Each calendar year after spending $60,000 on eligible purchases, you can choose an Earned Choice Award benefit.

Choices include: Five (5) Suite Night Awards, 85K Free Night Award, and mattress and box spring $1,000 discount from Marriott Bonvoy Boutiques.

Terms apply.

Many additional features of this card are outlined in the full details page for this card - simply click below for more card details.

NOTE: Our rewards calculator is assuming that your total entered in "Hotels" is spend at Marriott properties for the purposes of calculating this card's value to you. If part of your hotel spend is at non-Marriott properties, that spend will earn less than our estimate.

Offer: Earn two 85K Free Night Awards after you spend $6,000 in purchases on the Card in your first 6 months. Each award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy. Card Members could enjoy a value of up to $1,200 when redeeming each reward. Certain hotels have resort fees. Offer ends 11/1/2023. (Rates and Fees)
Credit card
Estimated Bonus Value :

$720

Calculator

dollar Annual Fee: $550

Calculator
Estimated Bonus Value :

$720

Offer: Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months. Terms Apply. (Rates and Fees)

The Delta SkyMiles® Reserve American Express Card gets an annual domestic companion certificate in any class, including First and Business, plus your first checked bag free and priority boarding on Delta.

Moreover, it includes Delta SkyCub access, with limitations.

Enjoy Delta Sky Club® access at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.

With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.

Earn Rate:

  • Earn 3X miles on Delta purchases

Primary Benefits:

  • Complimentary Delta Upgrades: For those without Delta Medallion Elite status, you will still be eligible for complimentary domestic upgrades after all elite members have cleared.
  • Additionally, Reserve cardholders with status get upgrade list priority over members at the same Medallion tier without the Reserve card
  • Annual domestic companion certificate in any class, including First and Business (This can be an amazing value, especially on a Delta One transcontinental flight).
  • $100 statement credit every 4 years for Global Entry or an $85 statement credit for TSA Pre✓® every 4.5 years.
  • Terms apply.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months. Terms Apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$600

Calculator

dollar Annual Fee: $250

Calculator
Estimated Bonus Value :

$600

Offer: Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months. Terms Apply. (Rates and Fees)

With the Delta SkyMiles® Platinum American Express Card, you'll get an annual main cabin "Buy One, Get One" companion certificate, plus your first checked bag free and priority boarding on Delta.

Earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Delta Platinum Card, up to two times through 12/31/23. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges. Terms apply.

Delta Platinum Bonus Categories

  • Earn 3X miles on Delta purchases
  • Earn 3X miles on hotels (purchased directly with the hotel - much better than when you have to use a booking portal!)
  • Earn 2X miles at U.S. supermarkets
  • Earn 2X miles at restaurants, worldwide
  • Terms apply

Additional Delta Platinum Benefits

  • $100 statement credit every 4 years for Global Entry or an $85 credit for TSA Pre✓® every 4.5 years.
  • Buy One, Get One Companion Certificate on select fares.
  • Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family when traveling on a Delta flight from now until 12/31/23. Effective 1/1/24, this benefit will no longer be available.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months. Terms Apply. (Rates and Fees)
Credit card

US Bank Altitude® Connect Review

dollar Annual Fee: $0 Introductory Annual Fee for the first year, then $95

Estimated Bonus Value :

$500

Calculator

dollar Annual Fee: $95

Calculator
Estimated Bonus Value :

$500

Offer: Get $500 (in the form of 50,000 points) when you spend $2,000 in your first 120 days

The Altitude Connect joins the Altitude Reserve and Altitude GO in the US Bank Altitude series. This card is ideal for someone that spends a lot at gas stations and travel, but does not want "complicated" transferable bank points, this card would offer excellent value due to the 4% cash back in these categories. The streaming credit isn't much, but it will get you back $30 of the $95 annual fee if you keep the card.

Card Features:

  • 4X points (which equates to 4% cash back) on travel (including air, hotel, and cruises) and at gas stations
  • 2X points at grocery stores and on grocery delivery
  • 2X points for dining (at a restaurant or via delivery)
  • 2X points on streaming services
  • 1X point per dollar on all other eligible purchases
  • Earn a $30 annual streaming credit: When you put eligible streaming services on your card for 11 straight billing cycles, the 12th month will see a credit of up to $30.
  • Cell Phone Protection: You can get reimbursed for up to $600 if your cell phone is stolen or damaged (but lost phones are not covered) as long as you pay your monthly cell phone bill with your card. $100 deductible applies and you will be covered for a maximum of one claim per year. Protection is secondary to homeowners/renters insurance.
  • TSA PreCheck or Global Entry Credit: You'll get up to $100 in statement credits to reimburse your application fee up to once every four years.
  • No Foreign Transaction Fees.

US Bank Altitude Connect Credit Card Review

The Altitude Connect joins the Altitude Reserve and Altitude GO in the US Bank Altitude series. This card is ideal for someone that spends a lot at gas stations and travel, but does not want "complicated" transferable bank points, this card would offer excellent value due to the 4% cash back in these categories. The streaming credit isn't much, but it will get you back $30 of the $95 annual fee if you keep the card.

This card is for people with a strong credit profile. You should have a 720 or better FICO to apply for this card.

Offer: Get $500 (in the form of 50,000 points) when you spend $2,000 in your first 120 days
Credit card

Wells Fargo Active Cash

dollar Annual Fee: $0

Estimated Bonus Value :

$200

Calculator

dollar Annual Fee: $0

Calculator
Estimated Bonus Value :

$200

Offer: Get $200 when you spend $1,000 within 3 months.
  • 2% Cash Back on all purchases
  • 0% intro APR for 15 months after your account is opened on purchases and qualifying balance transfers (then a 14.99% to 24.99% variable APR) balance transfers made within 120 days qualify for the 0% intro APR and fee of 3%. After 120 days, it will rise to a 5% fee.
  • Receive up to $600 in protection on your cell phone (with a $25 deductible) against covered damage or theft as long as you pay your cell phone bill with your Wells Fargo Active Cash Credit Card
Offer: Get $200 when you spend $1,000 within 3 months.
Credit card
Estimated Bonus Value :

$0

Calculator

dollar Annual Fee: $0

Calculator
Estimated Bonus Value :

$0

Offer: None

A no-annual fee credit card with an extra long 0% APR intro period on both new purchases and balance transfers.

Currently, the offer is up to 21 months at 0% APR!!

You start with 18 months and this is extended to 21 months as long as you make all minimum payments on time. 12.99% to 24.99% variable APR thereafter.

Balance transfers made within 120 days also qualify for the 0% APR.

That's a fantastic offer for balance transfers and for new purchases.

This card does not earn rewards, though it does have cell phone protection when you pay your bill with the card.

Offer: None

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