Does the Chase Freedom Flex card offer cell phone insurance?

Chase Freedom Flex purchase protection provides up to $500 per claim and $50,000 per account in reimbursement for items purchased with the card that get damaged or stolen. The Freedom Flex purchase protection coverage lasts for 120 days after the date of purchase. Chase will replace the item, repair it or reimburse the original purchase price, whichever is least expensive. Items purchased using Chase Ultimate Rewards points are also eligible for this benefit.... read full answer

It’s hard to find details of the fine print for Chase Freedom Flex purchase protection coverage online. But assuming it functions like the coverage on the original Freedom card and on other Chase cards, there will be multiple types of items that aren’t covered. For example, Chase purchase protection typically doesn’t cover purchases of animals or plants, computer software, motorized vehicles, antiques or collectibles, and perishable items, among other things.

To file a Chase purchase protection claim, you’ll usually need to contact the Chase Benefit Administrator within 90 days using the phone number in your benefits guide or the online claims center, then complete a claim form and submit any supplemental documents within 120 days of the incident. You should read your card’s benefits guide to find out the exact details for filing a Chase Freedom Flex purchase protection claim.

Chase credit card purchase protection covers you for up to $50,000 annually for lost, damaged or stolen items purchased with an eligible Chase card. Claims must be filed within 120 days of the incident in order to be eligible. Protection covers the cardholder and the recipient of items purchased as gifts on an eligible Chase credit card.... read full answer

When you file a claim, Chase will either repair or replace the item, at the Benefit Administrator’s discretion. In some cases, you will be reimbursed for the purchase price of your item as reflected on your Chase credit card statement.

Here is how Chase credit card purchase protection works:

1. Call the Benefit Administrator at the phone number on the back of your Chase credit card, or the number mentioned on your guide to benefits. You can also file a claim online. You must contact the Benefit Administrator within 90 days of any loss, damage, or theft, or you will risk having your claim denied.
2. You will receive a claim form when you file. Fill out the form completely and provide any requested documentation within 120 days of the occurrence.
3. Required documents include the signed claim form, a copy of your Chase credit card statement to verify the item was purchased on your card. If applicable, you will also need to provide a fire or police report within 48 hours of the occurrence. If the item can be repaired, send a copy of either a repair estimate or paid receipt for repairs.
4. Gift recipients must provide all requested documents in order to substantiate the claim.
5. If the claim is for a damaged item, you may be asked to send it to the Benefit Administrator, at your expense.
6. You will be notified of the decision to repair or replace your item within 15 days of receipt of the required documentation.
7. If you’re reimbursed, you’ll be compensated for no more than the purchase price on your credit card statement, or your card’s per item coverage limit, whichever is less. You should receive your reimbursement within five business days of receipt and approval of all required documents.

Keep in mind that Chase credit cards covered under purchase protection have varying coverage limits per item. With Chase Freedom Flex℠, Chase Freedom Unlimited®, and the Chase Sapphire Preferred® Card, you’re covered up to $500 per item, up to the $50,000 annual limit. Others such as Chase Sapphire Reserve® and the co-branded United Club Infinite Credit Card will cover you up to $10,000 per item. Refer to your Chase credit card’s Guide to Benefit for your specific per item coverage limit.

It is also worth noting that not all items are covered by Chase Purchase Protection. Those include, but are not limited to, unsubstantiated lost items, motorized vehicles, antiques and collectibles, used items, and computer software. Refer to your Chase credit card’s Guide to Benefit for a complete list of non-covered items.

The best Old Navy Credit Card benefits are $0 fraud liability protection and monthly credit bureau reporting. These perks are certainly good to have, though it’s important to note that they are also relatively common benefits for credit cards.

Old Navy Credit Card Benefits

• $0 fraud liability protection
• Monthly credit bureau reporting
• Rewards of 1 - 5 points per $1 on purchases... read full answer

While these benefits aren’t bad, the Old Navy Credit Card simply doesn’t have as many benefits as a lot of the other credit cards on the market. To learn more about the Old Navy Credit Card, check out WalletHub’s full review.