{"id":186407,"date":"2025-08-12T13:00:09","date_gmt":"2025-08-12T13:00:09","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/08\/12\/this-card-offers-cell-phone-protection-when-you-use-it-to-pay-your-monthly-bill-the-points-guy\/"},"modified":"2025-08-12T13:00:09","modified_gmt":"2025-08-12T13:00:09","slug":"this-card-offers-cell-phone-protection-when-you-use-it-to-pay-your-monthly-bill-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/08\/12\/this-card-offers-cell-phone-protection-when-you-use-it-to-pay-your-monthly-bill-the-points-guy\/","title":{"rendered":"This card offers cell phone protection when you use it to pay your monthly bill – The Points Guy"},"content":{"rendered":"


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I could blame it on motherhood or being in my forties, but the truth is that I’ve always been a bit forgetful and accident-prone. I once walked off an airplane with a single AirPod in my ear, while the other AirPod was tucked safely into its case in the seatback pocket (I got it back from lost and found at the end of my trip). Another time, my laptop was destroyed<\/a> midflight when the person in front of me reclined their seat a few years back.<\/p>\n

So, when I found out my Capital One Venture X Rewards Credit Card<\/a> is among those that come with cellphone protection<\/a> when you use it to pay your monthly mobile bill, I knew it was in my best interest to switch my payment method. Making that switch was either really smart or a bad omen, because I’ve since used the cellphone protection twice this year.<\/p>\n

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SASUN BUGHDARYAN\/GETTY IMAGES<\/figcaption><\/figure>\n

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My accident-prone life<\/h2>\n

Earlier this year, I dropped my phone on the kitchen floor one morning before putting on the protective case, and the screen suffered a large crack that needed to be repaired. I paid only a $50 deductible, and the rest of the screen replacement fee was covered just by paying my monthly bill with my Venture X card. If not for the insurance, I would have paid $350 for the repair.<\/p>\n

My phone suffered an even worse fate a few weeks ago while on assignment in Curacao. While the gorgeous scenery helped to soften the blow, a faulty waterproof case rendered my phone useless after a short snorkeling adventure at my resort. (Side note: I’ve since heard from many people that the waterproof phone pouches are much more reliable than the cases designed specifically for your phone model.)<\/p>\n

The next morning, after my phone suffered water damage, the screen turned on and off at random as if possessed by a spirit. Shortly after, the entire screen turned green and said its final goodbye (i.e., it went dark and never turned on again).<\/p>\n

I did purchase a cheap phone in Curacao so I could communicate with my family and let them know I was safe. But knowing my credit card’s cellphone protection would help me fix or replace my phone when I returned home allowed me to enjoy the rest of my trip … and some more snorkeling (sans phone).<\/p>\n

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Venture X cellphone protection details<\/h2>\n

The qualification guidelines, coverage details and claim filing process vary based on which credit card(s) with cellphone protection<\/a> you have, but to qualify for cellphone protection with the Venture X<\/a>, I simply need to use the card to pay my monthly mobile bill. Each month that I pay the bill with the Venture X card<\/a>, I am covered for the following month.<\/p>\n

Related: Best cards for phone protection<\/a><\/strong><\/p>\n

The protection covers every line on my bill and can be used up to two times in a 12-month period (which means I need to be extra careful until next year). Cardholders are eligible for up to $800 per claim after a $50 deductible.<\/p>\n

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Venture X cellphone protection reimburses you for loss, theft and damage that isn’t covered by another insurance policy (like homeowner’s insurance or AppleCare). It doesn’t cover things like cosmetic damage or cellphones stolen from checked baggage.<\/p>\n

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Filing my cellphone protection claim<\/h2>\n
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CAPITAL ONE<\/figcaption><\/figure>\n

I began the claim process by visiting the Card Benefit Services website, as stated in my credit card’s benefits guide. I filled out some general information about my claim and, because I’ve done this before, I knew that I would need to upload a few pieces of documentation to begin the claims process:<\/p>\n