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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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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How I Spread Out Our Credit Card Spending For The First Half Of 2019

It’s now the second half of 2019. Besides being a good time to look at how we’re doing on our New Year’s Resolutions (I’ve joined a gym but I’m not going as much as I’d like), it’s as good of a time as any to look at our points and miles situation.

Some bloggers are looking at their progression on qualifying for status with airlines or hotels (Ben from One Mile at a Time wrote about his progression, and congrats to him for figuring out it doesn’t pay to be loyal). Since I couldn’t care less how many nights I’ve stayed at a hotel chain or how many miles I’ve flown with an airline, what can I look at?

After sign up bonuses for credit cards, ongoing spend is the next most important way I accumulate points and miles. Looking into where I’m putting that spend and if it fits the plan I have for our points earning is a smart thing to do.

Thanks to Quicken and some scrap paper, here’s a breakdown of our spending for the first six months of 2019.

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How To Combine Points From Two Banks To Book An Award

Since we started writing Your Mileage May Vary, several of our friends have started collecting points and miles. I feel a level of satisfaction when they’re able to go on that first award trip, partially because of our help.¬†Just like any mentor, occasionally we’ll get a question about a topic where we don’t know the answer. While I could just say that I really don’t know about that, I like to use these situations to learn about things I hadn’t focused on before. Such was a question about how to combine points from two different bank programs.

While the answer may seem obvious if you’ve been collecting points and miles for a while, for someone just starting out this can be very confusing.

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