Should You Buy Cell Phone Insurance Or Get It From Your Credit Card?

Did you pick up a new phone during a sale on Black Friday or Cyber Monday and are wondering what’s the best way to protect that $1000+ purchase? You’re in luck because one of the newest benefits credit cards are adding is cell phone insurance. To be eligible, all you have to do is charge your cell phone bill to a card that provides coverage.

It doesn’t matter how you paid for the phone, although I hope you used a card that has some sort of purchase protection included.

Using the coverage from your credit card would seem to be a no-brainer. The coverage is free and continues for as long as you’re paying your bill with the card. However, did you look into if this is the best way to cover your phone against damage?

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Which Credit Cards Provide Trip Delay Insurance

One of the big perks of having a premium travel credit card is the travel protections the card provides, like trip delay insurance. Travel delays or cancellations are a part of life but knowing the costs that you incur will be reimbursed makes one less thing to worry about. All you need to do is make alternate plans to get to/from where you were going and arrange to be comfortable until that happens.

Trip delay insurance is something you don’t think about until you need to use it. Say you show up to the airport for your plane and it’s delayed 30 minutes, then 60 minutes, then 2 hours and eventually you’re told that there’s no way to get you to where you were going until the next day. You’ll need to find somewhere to stay, somewhere to eat and a way to get to/from those locations. Most people will get on a very long line to see if the airline will give them a free hotel night or a meal voucher. If you used a card that provides trip delay insurance, you know that you’ll be reimbursed for the reasonable cost of a hotel, meals, taxi/Uber and travel essentials during your delay and can make your own plans without having to wait.

I used to use my Citi Prestige for travels where trip delay coverage was important. However, Citi eliminated all of the travel coverages from their cards and I had to find another card that provides coverage for delays. Continue reading “Which Credit Cards Provide Trip Delay Insurance”

Credit Cards Are Adding Cell Phone Coverage But Benefits Aren’t All The Same

It used to be that just one or two of my credit cards offered any type of coverage for cell phones. When phones were less expensive and U.S. mobile providers were subsidizing the full cost, having insurance on your phone wasn’t viewed as being important. Now that more popular phones cost around or over the $1,000 range, and repair prices vary from $100 for a cracked screen to several hundred dollars for more severe damage, having a policy where you only need to pay a $50 deductible is an appealing option.

Customers were paying for their own coverage but the banks saw an opportunity to differentiate their product by offering Cell Phone Protection as a perk of their cards. Offering this benefit requires paying your cell phone bill with that card, so for the bank this is an excellent way for them to get you to put your recurring cell phone bill onto their card for month after month.

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Are Credit Card Concierge Services Worth Anything?

Many credit cards offer access to a concierge. “So what?” you might ask (I know that’s what Sharon would say) (Note from Sharon: Yup!). Well, a concierge may be able to help with your vacation plans or get tickets for shows or concerts you couldn’t get yourself. Being an obsessive planner, I never found much value added by talking to a concierge. They’ve often just sent me cut and paste lists from Yelp! or TripAdvisor, and that’s something I can do myself. But if you’re the type that’s too busy to look up good restaurants in San Francisco near your hotel, this might be an excellent service for you.

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How Many Guests Can You Bring Into A Lounge With Priority Pass Select? It’s Complicated. (Updated October 2019)

Priority Pass is a program that provides access to airport lounges and business suites as well as gives credits you can use at airport restaurants. While you can buy a membership in the program, most people from the United States have a Priority Pass Select card by having a credit card that provides membership as a perk. That’s where things get interesting. While the access to the club may be limited due to capacity issues, the cardholder will get in by showing their Priority Pass card (or a digital card if available). If you want to bring in a guest, each card has rules that are worded slightly differently and those small differences may cost you an additional $32 for each extra guest.

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