How does the Capital One Quicksilver cell phone insurance work?

The best Capital One Quicksilver credit card benefits are travel accident insurance and extended warranty coverage, along with its $0 annual fee and cash back rewards (for Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply). The Capital One Quicksilver card also has identity theft protection and ... read full answer$0 fraud liability, which are more common perks across Capital One credit cards.

Capital One Quicksilver Credit Card Benefits

• Initial bonus: The Capital One Quicksilver card offers $200 for spending $500 in the first 3 months.
• Ongoing rewards: You earn 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases.
• Travel accident insurance: Covers you along with your spouse and any unmarried children up to a certain amount in the event of death and several qualifying permanent injuries. Travel fare(s) must be booked with your Capital One Quicksilver card.
• Baggage Delay Reimbursement: You get reimbursed up to $100 per day, for three days, when your bags are delayed for more than four hours at a destination other than your primary residence.
• Extended warranty: The Capital One Quicksilver extended warranty policy will lengthen the original manufacturer’s warranty by up to 2 extra years for warranties of 2 years or less. The maximum coverage amount per item is $10,000 ($50,000 per cardholder).
• Identity theft protection: Capital One offers a free credit monitoring service and identity protection tool called CreditWise. This service will send you email alerts when there’s important activity on your credit report like a hard credit inquiry or a new credit card account.
• $0 fraud liability: Capital One Quicksilver provides $0 fraud liability if your card is lost or stolen. That means you’re not responsible for any unauthorized purchases made with your card.
• Price protection: With price protection, you can be reimbursed for the difference in the cost of an item, up to $250 per claim, if you see it advertised at a lower price within 120 days from the date that you purchased it with Capital One Quicksilver. You can make a maximum of four claims within a 12-month period.
• Roadside assistance: Capital One Quicksilver roadside assistance gives you 24/7 access to a wide range of services whenever your vehicle breaks down.
• Rental car insurance: Covers you and eligible authorized drivers for physical damage, theft, towing and loss-of-use charges. The rental must be charged to the Capital One Quicksilver card, and the rental period must not exceed 31 consecutive days.
• Concierge services: You can contact the concierge service by calling the number you see in the card benefits guide to ask for help with nearly anything, from travel and purchase assistance to directions and restaurant reservations.
• Virtual card numbers: You can get a Capital One Quicksilver virtual credit card number by adding the Capital One Eno extension to your browser. Once installed, log in to your account and enroll with Capital One Quicksilver. With a virtual card number, you can make online purchases with increased protection against credit card fraud.
• Intro APR: There is an intro APR of 0% for 15 months on both purchases and balance transfers. The card’s regular APR is 19.24% - 29.24% (V). There is also a balance transfer fee of 3%.
• Annual fee: The Capital One Quicksilver card’s annual fee is $0.
• Foreign transaction fee: The card does not charge foreign transaction fees.

As you can see, the Capital One Quicksilver card is a great all-around credit card with low fees, intro APR offers, and a pretty straightforward rewards structure. With 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases, you don’t have to worry about rotating bonus categories, earnings limits or other rewards trickery.

Capital One Quicksilver Rewards

The Capital One Quicksilver credit card is a very good everyday rewards card that’s worth adding to your wallet. Keep in mind that you need to have at least good credit to get approved for this card. You can check your credit score for free on WalletHub to see where you stand. Capital One will also review your overall credit history, income, and existing debt load, among other factors.

To learn more about the Capital One Quicksilver credit card, check out WalletHub’s full review.

Capital One Quicksilver offers purchase protection only through the card's Visa Signature version. It is not available on the Quicksilver Visa Platinum card. Applicants with strong credit may be approved for the Visa Signature card and a minimum $5,000 credit limit. Capital One will issue the Visa Platinum card to applicants who are approved for a credit limit less than $5,000.... read full answer

Capital One Quicksilver Visa Signature purchase protection covers items against damage and theft for 90 days after the purchase date. You’re covered for replacement, repair, or reimbursement of the original purchase price.

Capital One Quicksilver travel insurance provides worldwide travel accident insurance, trip cancellation/interruption, and lost/damaged luggage reimbursement. In addition, this card also offers rental car insurance. To be eligible for these benefits, you need to pay for your travel with the Capital One Quicksilver card. For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.... read full answer

Types of Capital One Quicksilver Travel Insurance Benefits

• Travel Accident Insurance. Covers cardholders along with their spouse and any unmarried children up to a certain amount in the event of death and several qualifying permanent injuries. Travel fare(s) must be booked with an eligible Capital One Quicksilver card.
• Trip Cancellation and Interruption Insurance. Trips cancelled or interrupted for qualifying reasons (such as death, accidental injuries, and non-pre-existing illnesses) are covered up to a certain amount. This benefit is available for Capital One Quicksilver cards issued on the Mastercard network.
• Lost, Stolen, or Damaged Luggage Reimbursement. You get reimbursements for your lost, stolen, or damaged luggage and its qualifying contents, up to a specified amount. You must charge the cost of your trip to your eligible Capital One Quicksilver to be covered by this benefit. Coverage is secondary to any other existing insurance.
• Baggage Delay Reimbursement. You get reimbursed up to $100 per day, for three days, when your bags are delayed for more than four hours at a destination other than your primary residence. Coverage includes the purchase eligible essential items such as tickets, documents, contact lenses, eyeglasses, prosthetics, and more. Benefit available for Capital One Quicksilver cards issued on the Mastercard network.
• Auto Rental Insurance. You get coverage up to the market value of the eligible renal vehicle for damages incurred through collision or theft. Just make sure you charge all rental costs to your Capital One Quicksilver and decline the car rental agency’s insurance coverage. The coverage is secondary to your own insurance policy.

Filing most Capital One Quicksilver travel insurance claims requires notifying the Benefit Administrator within 20 days of the loss in order to get a claim form. You’ll have 60 to 90 days from the date of the incident to return the form and supplemental documents. The number to call and timeline depend on the benefit and the type of card you have.

How to Check Your Capital One Quicksilver Travel Insurance Benefits

For specific information on your Capital One Quicksilver travel insurance, just log in to your online account, select your card and click "Read about Card benefits" under the "I Want To" menu. Then match the card type to the one listed on your statement.

Note that the Capital One travel insurance is provided through the card network. So, depending on your type of card, you can call Visa at (800) 825-4062 or Mastercard at (888) 531-4227 for more information.