Does the Destiny Card offer cell phone insurance?

No, the Destiny Mastercard® does not have return protection coverage. Return protection is a benefit that offers reimbursement for undamaged, working items purchased with a credit card that cannot be returned to the merchant within a certain number of days of purchase. This benefit is becoming rarer as time goes on, however, as many issuers have dropped it to cut costs.... read full answer

If return protection is important to you, there are still a few good cards that offer it. They include the Bank of America® Premium Rewards® credit card, The Platinum Card® from American Express and Chase Sapphire Reserve®.

You cannot get a Destiny Card credit limit increase. Currently, the issuer doesn’t accept requests for credit limit increases, nor does it offer them.

That being said, you can use the Destiny Card to improve your credit score. This, in time, will qualify you for cards with higher credit limits.

The best credit cards with cell phone protection include the The Platinum Card® from American Express, the Chase Freedom Flex℠, the Ink Business Preferred® Credit Card, and all the Wells Fargo consumer credit cards. These cards offer up to 2-3 cell phone protection claims per year, along with other rewards.

Cell phone insurance isn’t commonly offered by major credit cards, but it’s certainly a welcome perk. Cell phones don’t come cheap, and some credit cards offer up to $1,000 in reimbursement for a stolen or damaged phone.... read full answer

Just remember that all credit cards with cell phone protection have the same rule: You must continuously pay your cell phone bill with the credit card, or else your phone won’t get coverage. To make sure your phone is covered, it’s best to set up automatic monthly phone-bill payments with your card as the payment method.

Best Credit Cards with Cell Phone Protection

Cell Phone Protection: Provides coverage for a stolen or damaged cell phone (subject to the terms, conditions, exclusions and limits of liability of this benefit). The maximum liability is up to $800 per claim per account or $1,600 per year*

Number of Claims and Charges: up to 2 claims per year with a $50 deductible per claim*

Initial Bonus: 80,000 points for spending $6,000 in the first 6 months

Ongoing Rewards: 5 points per $1 spent on flights booked with airlines or with American Express Travel (up to $500,000 spent per year), 5 points per $1 spent on prepaid hotels booked through Amex, and 1 point per $1 spent on all other purchases

Annual Fee: $695

Min. Credit Required: Good

Cell Phone Protection: up to $600 per claim or $1,200 per year

Number of Claims and Charges: up to 2 claims per year with a $25 deductible per claim

Initial Bonus: $200 cash rewards after spending $1,000 in the first 3 months

Ongoing Rewards: 2% cash rewards

Annual Fee: $0

Min. Credit Required: Good

Cell Phone Protection: up to $800 per claim or $1,000 per year

Number of Claims and Charges: up to 2 claims per year with a $50 deductible per claim

Initial Bonus: $200 for spending $500 in the first 3 months

Ongoing Rewards: 5% cash back on up to $1,500 spent per quarter in bonus categories (which change every quarter and require activation), 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1% back on all other purchases

Annual Fee: $0

Min. Credit Required: Good

Cell Phone Protection: up to $1,000 of complimentary cell phone insurance coverage

Number of Claims and Charges: up to 2 claims per year with a $25- $50 deductible per claim

Ongoing Rewards: 3 points on all eligible purchases for a year when you set up direct deposit with SoFi, after that 2 points per $1 spent on all purchases

Annual Fee: $0

Min. Credit Required: Good

Cell Phone Protection: Provides coverage for a stolen or damaged cell phone (subject to the terms, conditions, exclusions and limits of liability of this benefit). The maximum liability is up to $800 per claim per account or $1,600 per year*

Number of Claims and Charges: up to 2 claims per year with a $50 deductible per claim*

Initial Bonus: 50,000 miles after spending $3,000 in the first 6 months

Ongoing Rewards: 3 miles per $1 spent with Delta, 3 miles per $1 on purchases made directly with hotels, 2 miles per $1 at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets, as well as 1 mile per $1 on all other purchases

Annual Fee: $250

Min. Credit Required: Good

Cell Phone Protection: up to $600 per claim or $1,800 per year

Number of Claims and Charges: up to 3 claims per year with a $100 deductible per claim

Initial Bonus: 100,000 points for spending $15,000 in the first 3 months

Ongoing Rewards: 3 points per $1 on the first $150,000 spent per year on travel and select business expenses, and 1 point per $1 on all other purchases

Annual Fee: $95

Min. Credit Required: Good

It’s important to note that none of these credit cards cover phones that are lost, as opposed to stolen. Some cards also have specific stipulations for what is and is not covered. So, make sure you’re up to speed on your card’s specific rules.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.