Chip Lupo, Credit Card Writer
@CLoop
The Chase Ink Preferred cell phone protection benefit works by providing up to $1,000 per claim in case of phone damage or theft for you and any employees listed on your monthly cell phone bill. To receive reimbursement, you must pay the cell phone bill with the Chase Ink Preferred card. There is an account limit of 3 claims within a 12-month period and a $100 deductible per claim.
Chase Ink Preferred cell phone protection is a secondary benefit. This means you’ll first have to file a claim through any other insurance plan that covers your cell phone. Once those benefits have been exhausted, Chase Ink Preferred protection may reimburse you for any costs not covered by the primary insurer.
Here’s how the Chase Ink Preferred cell phone protection works:
- Coverage limit: $1,000 per claim
- Claim limit: 3 claims in a 12-month period
- Deductible: $100 per claim
- What is covered: This benefit covers cardholders as well as any employees on the account for a stolen or damaged cell phone, as long as the cardholder pays the phone’s monthly bill with the Chase Ink Preferred.
- What is not covered: Phone accessories and phones purchased for resale are not eligible. Some situations, like when there’s cosmetic damage that doesn’t impact functionality, are also not covered.
To file a claim, start by calling the Benefit Administrator at (888) 320-9956 within 60 days of a covered incident. You can learn more from our complete breakdown of how to file a Chase Ink Preferred cell phone protection claim.

Ink Business Preferred® Credit Card
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