You may be aware of some of the cardholder perks that come with many premium credit cards, such as rental car insurance and lost baggage coverage. But did you know that some cards will reimburse you if your cell phone is stolen or damaged?
This coverage isn’t common, but some big issuers, such as Capital One, Chase, Wells Fargo and U.S. Bank, have cards with some sort of cell phone protections. It may be worth getting one of those cards just to protect your phone. I know I’ve dropped, sat on, cracked or otherwise damaged many smartphones over the years.