Credit Cards with Purchase Protection
Cards that cover new purchases against damage or theft, and often extend the manufacturer warranty.
PNC Spend Wise Visa offers the best purchase protection among cards we track (~$800/yr value). We found 9 cards total with this benefit — see the full list below.
Up to $800 per claim (2 claims/year, $50 deductible) when you pay your cell phone bill with the card
Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card. If you see an unauthorized charge, simply call the number on the back of your card.
Up to $1,000/claim for eligible cell phone damage or theft when monthly bill paid with card. World Elite Mastercard benefit.
Covers eligible new purchases for 120 days against damage or theft, up to $500 per claim
Purchase protection on eligible retail purchases via American Express benefits
Purchase protection on eligible retail purchases via American Express benefits
Cell phone insurance when you pay your monthly bill with the card
Eligible purchases covered against accidental damage or theft.
Cell phone insurance when you pay your monthly bill with the card
- Which credit card has the best purchase protection?
- PNC Spend Wise Visa offers the highest-value purchase protection among cards we track, estimated at $800/year. See the full list above for all options.
- Do all travel credit cards include purchase protection?
- No — purchase protection is typically a feature of mid-range and premium cards. We found 9 cards in our database that include this benefit. Budget and no-annual-fee cards rarely include it.
- Is purchase protection worth the annual fee?
- Compare the benefit value against each card's annual fee using the list above.
- How often does purchase protection update?
- Our database pulls purchase protection data directly from card records and updates whenever card terms change. If you spot an outdated entry, the card's full detail page has the issuer link for the authoritative source.