How to Use the Chase Ink Business Preferred Cell Phone Protection

To maximize my cell phone protection, I product changed my Ink Business Cash® Credit Card to a Ink Business Preferred® Credit Card. Even though the Chase Ink Preferred has a $95 annual fee, it's a no-brainer card because of the cell phone insurance.

There are a few other card that have cell phone protection, but they're either cards I don't have, ones that I don't want, or ones that I can't get. To me, it doesn't make sense to apply for a card solely for cell phone protection.

What is cell phone protection?

Cell phone protection will reimburse the eligible cardholder for:

• damage
• theft
• or involuntary and accidental parting of the eligible cell phone

Coverage limits & eligibility

If you pay your monthly wireless bill with the Ink Business Preferred® Credit Card, every phone line listed on that statement — including those for employees — is covered for accidental damage, theft, and involuntary and accidental parting (i.e. you’re separated from your phone in a way that can’t be easily reversed, even if you know where it is).
 

• You’re covered worldwide for up to $1,000 per claim, minus a $100 deductible.
• You can file up to three claims every 12 months, for a total annual limit of $3,000.
• Coverage kicks in the day after your bill is paid with the card and ends if you skip a payment.
   

⚠️ Not covered: lost phones (“mysterious disappearance”), prepaid or leased phones, accessories, cosmetic damage, or intentional damage.

👉 Coverage details are governed by your Guide to Benefits — always read it carefully before filing a claim, as it outlines specific exclusions and documentation requirements.

Depending on the type of phone you purchase, it might make sense to go through the manufacturer's insurance. For example, if you purchase an iPhone, AppleCare is a great option.

On the other hand, if you purchase a cheaper Android phone that's less than $1,000, then credit card protection might be the optimal route.

How it works

1. Pay your full phone bill with the  Chase Ink Preferred card
2. Coverage begins the day after you make the phone bill payment
3. As long as you keep paying your cell phone bill with the  Chase Ink card, you're covered

One thing to consider is the cell phone insurance is supplemental, so if you have homeowners insurance, renter's insurance, or employer's insurance, those have to be used first.

Once the primary insurance is exhausted, the  Chase Ink Preferred's cell phone protection will cover the damage to, theft of, or involuntary accidentally parting with the cell phone up to $1,000 per claim. You'll be responsible for the $100 deductible.

What is not covered?

• Cell phone accessories other than standard battery and/or standard antenna provided by the manufacturer
• Cell phone purChased for resale
• A cell phone that is lost or “mysteriously disappears.” “Mysterious disappearance” means the vanishing of an item in an unexplained manner where there is an absence of evidence of a wrongful act by a person or persons.
• Cell phone under the care and control of a common carrier (including, but not limited to, U.S. Postal Service, airplanes, or delivery service).
• A cell phone was stolen from baggage unless hand-carried and under Your personal supervision, or under the supervision of Your traveling companion who is previously known to You.
• A cell phone which has been rented, leased, borrowed or cell phone that is received as part of a pre-paid wireless service plan or “pay as you go” type service plans.
• Cosmetic damage to the cell phone or damage that does not impact the cellular wireless telephone’s capabilities and functionalities of the phone.
• Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion, or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects.
• Damage or theft resulting from misdelivery or voluntary parting with the cell phone.
• Replacement cell phone not purChased from a cellular service provider’s retail or Internet store, (for example: Verizon Wireless, Sprint Wireless, etc.) or from an authorized cellular phone retailer.
• Taxes, delivery and transportation charges, and any fees associated with the cellular service provider.

How to File a Claim for Chase Ink Business Preferred Cell Phone Protection

If you need to file a claim for a damaged, stolen, or accidentally separated phone covered under the Chase Ink Business Preferred® Credit Card’s cell phone protection benefit, here’s what to do:
 

1. Call the Chase Benefits Administrator
   • You can call the number on the back of your card, and they'll transfer you, or you can reach them directly at 1‑800‑349‑4814 (domestic).
2. Visit the Chase Benefits Claims Portal
   • Head to chasecardbenefits.com to start your claim online.
   • (Note: This is the new Chase benefits site. Some older guides still mention cardbenefitservices.com — that site may incorrectly say you're not eligible, even if your card is covered.)
3. Submit the required documents:
   • A copy of your Chase Ink Business Preferred statement showing you paid the cell phone bill in the billing cycle before the incident.
   • Your wireless provider bill for that same cycle.
   • A receipt or estimate for repair or replacement from an authorized phone retailer or service center.
   • A police report if the phone was stolen.
   • Any other documentation requested by the administrator.
4. Time limits to know:
   • File the initial claim within 60 days of the incident.
   • Submit supporting documents within 90 days of the incident.

💡 Tip: Coverage only applies if you paid your full monthly phone bill with your Ink Business Preferred® Card — and not with points, credits, or partial payments. Also, prepaid or pay-as-you-go plans are not eligible.

How will I be reimbursed for a claim?

The Benefits Administrator will choose to repair or replace the cell phone for the lesser amount up to $1,000.

Under normal circumstances, you'll be reimbursed within 10 business days of receipt and approval of the claim form and all required documents.