Does the Upgrade Triple Cash Rewards Visa card offer cell phone insurance?

No, Upgrade Triple Cash Rewards Visa® does not offer extended warranty protection. Upgrade Triple Cash Rewards Visa® does have other benefits, though, including zero fraud liability and lost or stolen card reporting.

Generally, extended warranty protection offers additional coverage for eligible purchases you made with your card. This credit card benefit is free and covers items you purchase that already come with a manufacturer's warranty.... read full answer

Alternative Credit Card Options

If you’re set on finding a card with good extended warranty coverage, there are plenty of other options to choose from. Some good examples include the Capital One Quicksilver Cash Rewards Credit Card and the Chase Sapphire Preferred® Card.

To cancel an Upgrade Triple Cash Rewards Visa® credit card, call customer service at 1 (877) 418-3667 and ask a customer service rep to cancel your card account. Cardholders can also cancel an account by mail.

Be aware that if there’s a balance remaining on the canceled account, you will still need to make at least the minimum payment every month until the balance is paid in full. In addition, you will forfeit any unused cash back, so be sure to redeem them before you cancel the card. You will also need to update the payment method for any recurring charges linked to your Upgrade Triple Cash Rewards Visa® card.... read full answer

How to Cancel an Upgrade Triple Cash Rewards Visa® Credit Card

By phone

Call customer service at 1 (877) 418-3667. Then, follow the prompts to speak to a customer service representative, and let them know you want to cancel. The representative may offer you a retention bonus to keep you on as a customer, but you can simply decline the offer and proceed with canceling the account.

By mail

Send your written request to cancel the card to:

275 Battery Street, San Francisco, CA 94111

It’s important to know that when you cancel an Upgrade Triple Cash Rewards Visa® card, you may see a decrease in your credit score, depending on the card’s credit limit and how long you’ve had the card. You can get an idea of how much a canceled credit card will affect your credit score by using WalletHub’s free credit score simulator.

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.