Does the Prosper Card offer cell phone insurance?

The Prosper® Card is a Mastercard, not a Visa. You can use your Prosper® Card at nearly 11 million merchants that accept Mastercard nationwide, and you can use it abroad in more than 200 countries and territories.

There are a few differences between Visa and Mastercard credit cards, such as the network-level benefits they offer, but those differences are relatively small. The two card networks have a lot in common, including ... read full answerextensive worldwide acceptance. As a result, it’s more worthwhile to compare individual credit card offers than to focus on getting a card from a particular network.

You need a credit score of 640 or higher to get the Prosper® Card. That means people with at least fair credit have a shot at getting approved for this card.

Other Prosper® Card Approval Requirements

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Prosper® Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status, and housing status.... read full answer

Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to wait and apply after you meet the Prosper® Card credit score requirement. You can check your credit score for free, right here on WalletHub.

Some good credit cards with cell phone protection include the Citi Prestige® Card, the IHG® Rewards Premier Credit Card, the U.S. Bank Visa® Platinum Card, all Wells Fargo consumer credit cards, the Ink Business Preferred® Credit Card, and the First Citizens Rewards Visa® Card.

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.

Here are some good credit cards with cell phone protection:

• Citi Prestige: Cell phone protection up to $1,000 per claim or $1,500 per year; limit of 2 claims per year; $50 deductible.
• IHG Premier: Cell phone protection up to $800 per claim or $1,000 per year; limit of 2 claims per year; $50 deductible.
• All Wells Fargo consumer credit cards: Cell phone protection up to $600 per claim or $1,200 per year; limit of 2 claims per year; $25 deductible.
• U.S. Bank Platinum: Cell phone protection up to $600 per claim or $1,200 per year; limit of 2 claims per year; $25 deductible.
• Chase Ink Preferred: Cell phone protection up to $600 per claim; limit of 3 claims per year; $100 deductible.
• First Citizens Rewards Visa® Card: Cell phone protection up to $500 per claim or $1,000 per year; limit of 2 claims per year; $50 deductible.

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.