Does the Wells Fargo Reflect card offer cell phone insurance?

No, the Wells Fargo Reflect® Card 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, Marriott Bonvoy Brilliant® American Express® Card and Chase Sapphire Reserve®.

Some of the best Wells Fargo credit card benefits include travel accident insurance, baggage insurance, rental car insurance, cell phone protection and extended warranty on purchases. Certain Wells Fargo credit cards provide additional perks like 0% intro APRs or rewards on purchases, too. However, benefits vary from card to card, so it’s important to look at an individual card’s benefits guide before applying.... read full answer

Here are the best Wells Fargo credit card benefits:

• Cell phone protection: $600 per claim and $1,200 per 12-month period in insurance for damage to or theft of your cell phone, when you pay the bill with a Wells Fargo card. Available on some cards.
• Travel accident insurance: Covers death or dismemberment caused by a travel provider when the trip was paid for with a Wells Fargo card. Available on most cards, and coverage amounts vary.
• Baggage insurance: Covers baggage lost by a travel provider on a trip paid for with a Wells Fargo card. Only available on certain cards.
• Rental car insurance: Reimburses you for damage to or theft of a car rented with a Wells Fargo credit card. Available on some cards.
• Extended warranty: Adds an extra year to the warranties of three years or less, provided that you buy the eligible items with a Wells Fargo card. Available on some cards.
• Purchase protection: Reimburses damage to or theft of items purchased with a Wells Fargo credit card. Available on some cards.
• Roadside Dispatch: 24/7 hotline for services such as towing (up to five miles), tire changes, jump starts, fuel delivery, and lockout assistance (no key replacement). There is a $69.95 fee per service call. Standard on all Wells Fargo cards.
• Travel Emergency Services: Provides referrals for medical and legal assistance, arranges for emergency transportation, and helps change travel reservations. Service is available 24 hours a day, 365 days a year. Cardholders are responsible for the cost of any goods or services provided. Available on most cards.
• Trip cancellation/interruption insurance: This benefit covers your trip for unforeseen cancellations or for interruptions that cut your trip short. It only applies to pre-paid, non-refundable travel expenses. Available on some cards.
• Price Protection: If the price of an eligible purchase drops within 60 days of purchase, you’ll get reimbursed for the difference.

Wells Fargo credit cards usually come with rewards, have $0 annual fees, $0 liability for fraudulent purchases, and several offer some kind of introductory 0% intro APR offer, too.

Wells Fargo cell phone insurance covers cardholders up to $600 for a stolen or damaged cell phone, as long as the cardholder pays the phone’s monthly bill with a Wells Fargo consumer credit card. Coverage applies to the lines listed on Your most recent cellular wireless service provider’s (“cell phone provider”) monthly billing statement for the billing cycle prior to when the incident occurred.. All Wells Fargo consumer credit cards offer cell phone insurance as part of their benefits package.... read full answer

Here’s how Wells Fargo cell phone insurance works:

• Coverage: Up to $600 per claim. Wells Fargo will pay for either the value of the phone or a similar replacement, minus a $25 deductible.
• Limits: Two claims (up to $1,200 in total coverage) every 12 months.
• Requirements: You must pay your monthly cell phone bill with your Wells Fargo consumer credit card. Wells Fargo debit cards and business credit cards do not offer cell phone protection.
• Duration: Coverage begins on the first day of the month after you pay your cell phone bill with an eligible Wells Fargo credit card. You need to pay your bill with a Wells Fargo card each month to be covered for the next month.
• Exclusions: Wells Fargo cell phone insurance does not apply to rented, borrowed or prepaid phones. It doesn’t cover lost phones, either.
• Claims Process: To file a claim, you need to call the benefit administrator at (866) 804-4770 within 60 days of the theft or damage. Claims will be processed within 10 days.

To sum up, Wells Fargo phone insurance protects you against theft or damage and will pay for repairs or reimburse you for the phone’s value up to $600. Just remember to pay your cell phone bill with your Wells Fargo consumer credit card, and your coverage will kick in starting the next month.