mobile phone protection We’ve all done it at least once. You’re walking to your car from the grocery store, mind a million miles away, and as you fumble in your pocket for your keys, out pops your cell phone instead. Before you can react, it tumbles to the ground and lands with a sickening crunch. Now you have a broken cell phone to contend with, which is rarely a cheap or easy fix, even if you have insurance through your provider. But what if it could be? Believe it or not, Wells Fargo credit cards come with mobile phone protection designed to provide cardholders with up to $600 against covered theft or damage — with just a $25 deductible per claim! Read on to learn exactly what this protection entails and find out more about the Wells Fargo credit cards that offer it.

How Wells Fargo mobile phone protection works

This feature is part of the card benefits for all Wells Fargo credit cards, and the only thing you need to do to ensure that you are covered is to pay your phone bill with your Wells Fargo card. Our advice is to set your phone bill to be auto-paid each month with your card, so you can be certain that if the worst case happens, you’ll be covered. Plus, if you choose a card like the Wells Fargo Cash Wise Visa Card, which earns an unlimited 1.5% cash back on all purchases, you’ll earn rewards for paying your monthly phone bill. Then, if your phone gets broken or stolen (though, we must note, not merely lost), you can submit a claim up to a maximum of $600 to cover the cost of replacing it. There will be a $25 deductible per claim, and you are limited to 2 claims ($1,200 max) per 12-month period. It’s important to know that you must own your phone — cell phones that are rented, borrowed or received as part of a prepaid plan are not covered. Additionally, electronic failures or issues related to the software on your phone aren’t considered covered damage. While it doesn’t cover everything, this is definitely a significant (and unusual) benefit to receive from your credit card, especially since it’s all-too-easy to drop your phone no matter how careful you are.

Which Wells Fargo credit card should you get?

If you want to take advantage of this perk, you’ll need to apply for a Wells Fargo card. Fortunately, there are two excellent options we review for you to choose from. Here are all the details to help you decide:

mobile phone protectionThe Wells Fargo Cash Wise Visa Card offers a sensational blend of impressive cash back rewards, 0% intro APR on both purchases and balance transfers and no annual fee. Whether you’re interested in performing a balance transfer or want a little extra time to pay off purchases without worrying about interest, this card’s 12-month 0% intro APR on purchases and balance traansfers is sure to please. Note that there is an intro balance transfer fee of 3% (which increases to 5% for balance transfers made after the first 12 months). Every purchase you make will earn a fuss-free unlimited 1.5% cash back, and you can get a nice bonus of $200 when you spend $1,000 on purchases in your first 3 months of owning the card. Additionally, purchases made using Apple Pay or Android Pay in your 12 months of card ownership will earn 1.8% cash back. When it’s time to redeem your rewards, Wells Fargo banking customers can redeem as a direct deposit into their account, at a Wells Fargo ATM or by physical check. Rewards can also be redeemed for gift cards, merchandise and travel. As noted, this card doesn’t charge an annual fee, and it requires good to excellent credit (usually considered a credit score of 700 or higher) for approval.

mobile phone protectionIf you’re looking for a good balance transfer or low-APR credit card with an added bonus of mobile phone protection, the Wells Fargo Platinum Visa Card will be right up your alley. It offers 15 months of 0% intro APR on balance transfers (with an introductory 3% balance transfer fee for 15 months, then it’s 5%) as well as a 15-month 0% intro APR on purchases. You won’t have to pay an annual fee, and this card comes with a few other handy perks in addition to the mobile phone protection, including free monthly FICO credit scores and online budgeting tools to help you track your spending. As with the other card we’re highlighting, this one requires good to excellent credit for approval.

Learn more about these credit cards and others with similar perks and benefits by reading our line-up of the best credit cards of 2018.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.