Chase Sapphire Reserve for Business: cell phone protection
What the Chase Sapphire Reserve for Business's cell phone protection covers as its issuer summarises it, which cards with dated benefits list the same thing for a lower fee, and whether the card's rewards pay its fee before the benefit is counted.
Read this first
This list comes from each issuer's benefit summary, read on the month shown beside each card. Summaries leave out the exclusions, the claim limits per year and the conditions — often that the whole trip or purchase has to go on the card — so read the card's full guide to benefits before you rely on one. 64 of the 118 cards in the catalogue have no benefits recorded here yet and are left out, so a card missing from this list may still have it.
What the summary says
Cell phone protection up to $1,000 per claim, three claims in 12 months, $100 deductible
Stated limit: up to $1,000 per claim. That is the largest stated limit among the 6 cards here whose summaries give one for cell phone protection.
Read from the issuer's benefit summary 2026-11.
Who it is worth it for
If cell phone protection is the reason you are looking at the Chase Sapphire Reserve for Business, the Wells Fargo Active Cash lists it too, with no annual fee — $795 a year less. 5 cards here carry it for a lower fee in all. What the difference buys is the rest of the Chase Sapphire Reserve for Business: its rewards and the other benefits below. Compare the two summaries before deciding they are the same cover.
On rewards alone, the illustrative household spending $2,205 a month (the assumption, in full) earns about $655 a year on the Chase Sapphire Reserve for Business, or −$140 once its $795 fee is paid. So the rewards leave $140 of the fee for the card's credits and benefits — this one among them — to make up. It is worth it for somebody who would use enough of them, at face value, to cover that gap; credits are not priced here because they are worth their face only if you would have spent the money anyway.
Every card here with cell phone protection
| Card | Annual fee | What the summary says | Read |
|---|---|---|---|
Chase Sapphire Reserve for Business (this card) |
$795 | up to $1,000 per claim Cell phone protection up to $1,000 per claim, three claims in 12 months, $100 deductible |
2026-11 |
| none | up to $800 per claim Cell phone protection up to $800 per claim, after a $25 deductible, for two claims a year |
2026-09 | |
| none | up to $600 per claim Cell phone protection when you pay your monthly bill with the card |
2026-09 | |
| none | up to $600 per claim Cell phone protection up to $600 per claim, after a $25 deductible, when you pay the bill with the card |
2026-09 | |
| none | up to $600 per claim Cell phone protection when you pay your monthly bill with the card |
2026-09 | |
| none | up to $600 per claim Cell phone protection up to $600 per claim, after a $25 deductible, when you pay the bill with the card |
2026-09 |
The Chase Sapphire Reserve for Business's other dated benefits
- Rental car — primary cover — up to $75,000 per claim
- Purchase protection — up to $10,000 per claim, 120 days
- Extended warranty
- Trip delay
- Trip cancellation
- Baggage
- Priority Pass lounges
- Global Entry / TSA PreCheck
- Hotel elite status
- Roadside assistance
- Concierge
Questions people ask
Does the Chase Sapphire Reserve for Business come with cell phone protection?
Yes. Its benefit summary, read 2026-11, says: “Cell phone protection up to $1,000 per claim, three claims in 12 months, $100 deductible”. The full guide to benefits sets the conditions, so read it before relying on the cell phone protection.
Which credit card has cell phone protection for a lower annual fee than the Chase Sapphire Reserve for Business?
The Wells Fargo Active Cash lists it with no annual fee, $795 a year less. 5 cards with dated benefits carry it for a lower fee in all.
What the Chase Sapphire Reserve for Business earns, category by category · Every card with cell phone protection · How the data here is kept