{"id":44300,"date":"2024-04-10T11:25:35","date_gmt":"2024-04-10T15:25:35","guid":{"rendered":"https:\/\/hardbacon.ca\/non-classifiee\/the-8-best-credit-cards-featuring-mobile-device-insurance\/"},"modified":"2024-04-10T11:26:04","modified_gmt":"2024-04-10T15:26:04","slug":"the-8-best-credit-cards-featuring-mobile-device-insurance","status":"publish","type":"post","link":"https:\/\/hardbacon.ca\/en\/credit-cards\/the-8-best-credit-cards-featuring-mobile-device-insurance\/","title":{"rendered":"The 5 Best Credit Cards Featuring Mobile Device Insurance"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Imagine the screen of your new phone shattering into pieces after you accidentally dropped it. Ouch! A credit card with mobile device insurance could help you save hundreds of dollars when replacing a stolen, lost or damaged mobile device. In this article, we present a list of the <a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/best-credit-cards-canada\/\">best credit cards<\/a> with mobile device <a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/credit-card-insurance-in-canada-everything-you-need-to-know-about-coverage-limitations-and-how-it-works\/\">insurance<\/a> available in Canada. To help you in your search, you can also use our <a href=\"https:\/\/hardbacon.ca\/en\/compare\/credit-cards\/\">credit card comparison tool<\/a>.<\/p>\n\n\n    <div class=\"best-table\">\r\n        <div class=\"best-table__head\">\r\n                            <div class=\"best-table__head-item\">Credit Card for Mobile Device<\/div>\r\n                                        <div class=\"best-table__head-item\">Distinctive Feature<\/div>\r\n                    <\/div>\r\n                                    <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-tangerine-world-mastercard-no-fee-credit-card\">Tangerine World Mastercard<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">No-fee<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-bmo-cashback-world-elite-mastercard-purchase-protection\">BMO CashBack World Elite Mastercard<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">Purchase protection<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-scotia-momentum-visa-infinite-high-cash-back-rate\">Scotia Momentum Visa Infinite<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">High cash back rate<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-neo-credit-add-perks-to-protect-your-phone\">Neo Credit<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">Mobile device protection via Perks<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-american-express-cobalt-coverage-for-up-to-2-years\">American Express Cobalt<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">Coverage for 2 years<\/div>\r\n                <\/div>\r\n                        <\/div>\r\n        <script type=\"application\/ld+json\">\r\n        {\r\n          \"@context\": \"https:\/\/schema.org\",\r\n          \"@type\": \"ItemList\",\r\n          \"url\": \"https:\/\/hardbacon.ca\/en\/en\/credit-cards\/the-8-best-credit-cards-featuring-mobile-device-insurance\/\",\r\n          \"name\": \"The 5 Best Credit Cards Featuring Mobile Device Insurance\",\r\n          \"description\": \"Your credit card could save you hundreds of dollars when replacing a stolen, lost or damaged mobile device. Learn how!\",\r\n          \"itemListOrder\": \"https:\/\/schema.org\/ItemListOrderDescending\",\r\n          \"itemListElement\": [\"Tangerine World Mastercard\",\"BMO CashBack World Elite Mastercard\",\"Scotia Momentum Visa Infinite\",\"Neo Credit\",\"American Express Cobalt\"]        }\r\n    <\/script>\r\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tangerine-world-mastercard-no-fee-credit-card\">Tangerine World Mastercard &#8211; No-Fee Credit Card<\/h2>\n\n\n\n\t\t<div class=\"relative p-10 rounded-sm shadow-(--shadow) !my-20 sm:w-[calc(100%-60px)] md:max-w-[900px] md:mx-auto\">\n\t\t\t\t\t\t\t<span class=\"absolute left-3 right-3 sm:right-auto bottom-full bg-primary-dark text-white text-center text-sm md:text-base font-medium py-2 px-8 rounded-t-lg w-content mx-auto\">\n\t\t\t\t\tGet a $120 Bonus!\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/best-credit-cards-canada\/#h-12-tangerine-world-mastercard-best-free-credit-card-in-canada\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"absolute top-full left-1\/2 transform -translate-y-2\/5 -translate-x-1\/2 sm:-top-22 sm:-right-10 sm:-right-15 sm:left-auto sm:translate-x-0 sm:translate-y-0\">\n\t\t\t\t\t<img decoding=\"async\" class=\"max-w-30 max-h-30 w-auto h-auto\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f344d1b92ec22115033b303_offer_cc_badge\" alt=\"Offer Badge\">\n\t\t\t\t<\/a>\n\t\t\t\t\t\t<div class=\"md:flex gap-20 items-center\">\n\t\t\t\t<div class=\"shrink-0 md:w-1\/3 flex flex-col items-center justify-center\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f344d1b92ec22115033b303_offer_credit_card\" alt=\"Offer Image\" class=\"!my-0 mx-auto\">\n\t\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/rm9dIXHHD\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline hidden md:block mt-5\" target=\"_blank\" rel=\"noopener noreferrer\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"text-center md:text-left\">\n\t\t\t\t\t<span class=\"font-medium text-xl md:text-2xl block mb-10\">Tangerine\u00ae Money-Back World Mastercard\u00ae<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"font-regular divide-y divide-primary-dark\/10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Annual Fee:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Free<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Balance Transfer Promotion:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">1.95% for 6 months<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Offer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Get $120 with a Money-Back World Mastercard. Spend $1,500 in your first 3 months to enjoy this Bonus. This offer ends on November 30, 2026.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Legal note:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">*Conditions apply. Refer to Tangerine page for up to date offer terms and conditions.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"text-center md:hidden mt-8\">\n\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/rm9dIXHHD\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline\" target=\"_blank\" rel=\"noopener noreferrer\">Apply now<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\n\n\n<p class=\"wp-block-paragraph\">What better way to start this list than with a no-fee card? <a href=\"https:\/\/api.fintelconnect.com\/t\/l\/6540f9890463df001b70be95\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Tangerine&#8217;s World Mastercard<\/a> offers a decent insurance for mobile devices. Its rewards program is also very popular, since it&#8217;s customizable! In fact, you earn 2% cash back on up to three purchase categories of your choice among the following: groceries, home furnishings, restaurants, hotels and motels, gas, recurring payments, pharmacy, renovations, entertainment and public transport and parking.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To get mobile device insurance, you have to use your card to pay in full for your new phone or tablet, or make all monthly wireless bill payments when you finance the purchase with a package. You&#8217;re covered for up to $1,000 in the event of loss, theft, accidental damage or mechanical failure.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Tangerine World Mastercard<\/strong><\/td><td><strong>Description<\/strong><\/td><\/tr><tr><td>Estimated credit score<\/td><td>680<\/td><\/tr><tr><td>Minimum annual income<\/td><td>$50,000 per person or<br>$80,000 per household<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bmo-cashback-world-elite-mastercard-purchase-protection\">BMO CashBack World Elite Mastercard &#8211; Purchase Protection<\/h2>\n\n\n\n\t\t<div class=\"relative p-10 rounded-sm shadow-(--shadow) !my-20  md:max-w-[900px] md:mx-auto\">\n\t\t\t\t\t\t\t\t\t<div class=\"md:flex gap-20 items-center\">\n\t\t\t\t<div class=\"shrink-0 md:w-1\/3 flex flex-col items-center justify-center\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f31593392ec22115033b2b6_offer_credit_card\" alt=\"Offer Image\" class=\"!my-0 mx-auto\">\n\t\t\t\t\t<a href=\"https:\/\/www.bmo.com\/main\/personal\/credit-cards\/2-cashback-offers\/?ecid=af-US33262CC4-SJBMO15&#038;utm_source=BMOMastercard-AffiliateTracking&#038;utm_medium=Hardbacon&#038;utm_campaign=Hardbacon_1x1_EN_CPA_PROS_IN-MARKETSEGMENT_ROS_FINANCEANDINVESTMENTS_ALL_CBWE_10-CASHBACK_December2020&#038;utm_content=CC_CBWE_1x1_120AnnualFee_EN_5-CASHBACK_APPLYNOW\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline hidden md:block mt-5\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"text-center md:text-left\">\n\t\t\t\t\t<span class=\"font-medium text-xl md:text-2xl block mb-10\">BMO CashBack\u00ae World Elite\u00ae* Mastercard\u00ae*<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"font-regular divide-y divide-primary-dark\/10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Annual Fee:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">$120<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Annual Fee Promotion:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Waived for the first year<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Offer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Get up to $650 in value and the annual fees waived in the first year. Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"text-center md:hidden mt-8\">\n\t\t\t\t<a href=\"https:\/\/www.bmo.com\/main\/personal\/credit-cards\/2-cashback-offers\/?ecid=af-US33262CC4-SJBMO15&#038;utm_source=BMOMastercard-AffiliateTracking&#038;utm_medium=Hardbacon&#038;utm_campaign=Hardbacon_1x1_EN_CPA_PROS_IN-MARKETSEGMENT_ROS_FINANCEANDINVESTMENTS_ALL_CBWE_10-CASHBACK_December2020&#038;utm_content=CC_CBWE_1x1_120AnnualFee_EN_5-CASHBACK_APPLYNOW\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.bmo.com\/main\/personal\/credit-cards\/2-cashback-offers\/?ecid=af-US33262CC4-SJBMO15&amp;utm_source=BMOMastercard-AffiliateTracking&amp;utm_medium=Hardbacon&amp;utm_campaign=Hardbacon_1x1_EN_CPA_PROS_IN-MARKETSEGMENT_ROS_FINANCEANDINVESTMENTS_ALL_CBWE_10-CASHBACK_December2020&amp;utm_content=CC_CBWE_1x1_120AnnualFee_EN_5-CASHBACK_APPLYNOW\" rel=\"sponsored nofollow noopener\" target=\"_blank\">BMO CashBack World Elite Mastercard<\/a> is one of the most popular credit cards for&#8230; cash back! Less well known is the fact that, unlike many other cards, its Purchase Protection insurance does not exclude cell phones (according to the <a href=\"https:\/\/www.bmo.com\/pdf\/CB_WE_Travel_Medical_Protection_Insurance_Certificate_En.pdf\" rel=\"nofollow noopener\" target=\"_blank\">cardholder agreement<\/a>). This insurance covers theft or damage to items for the first 90 days from the date of purchase, provided the full price has been paid with the credit card.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cardholders earn 5% cash back on groceries, 4% on transit, 3% on gas, 2% on recurring bill payments&nbsp;and 1% on all other purchases. This card is also great if you need to rent a car. You can save up to 25% off rentals at participating National Car Rental&nbsp;and Alamo Rent A Car, plus you get a complimentary membership to BMO&#8217;s Roadside Assistance Program.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>BMO CashBack World Elite Mastercard<\/strong><\/td><td><strong>Description<\/strong><\/td><\/tr><tr><td>Estimated credit score<\/td><td>725<\/td><\/tr><tr><td>Minimum annual income<\/td><td>$80,000 per person or<br>$150,000 per household<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-scotia-momentum-visa-infinite-high-cash-back-rate\">Scotia Momentum Visa Infinite &#8211; High Cash Back Rate<\/h2>\n\n\n\n\t\t<div class=\"relative p-10 rounded-sm shadow-(--shadow) !my-20  md:max-w-[900px] md:mx-auto\">\n\t\t\t\t\t\t\t<span class=\"absolute left-3 right-3 sm:right-auto bottom-full bg-primary-dark text-white text-center text-sm md:text-base font-medium py-2 px-8 rounded-t-lg w-content mx-auto\">\n\t\t\t\t\tEarn 15% cash back for the first 3 months\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<div class=\"md:flex gap-20 items-center\">\n\t\t\t\t<div class=\"shrink-0 md:w-1\/3 flex flex-col items-center justify-center\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f32a25c92ec22115033b2cf_offer_credit_card\" alt=\"Offer Image\" class=\"!my-0 mx-auto\">\n\t\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/6541a6003c94e3001b69b222\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline hidden md:block mt-5\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"text-center md:text-left\">\n\t\t\t\t\t<span class=\"font-medium text-xl md:text-2xl block mb-10\">Scotia Momentum\u00ae\u202fVisa Infinite +*\u202fCard<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"font-regular divide-y divide-primary-dark\/10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Annual Fee:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">$120<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Offer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Get 15% cash back on up to $2,000 in purchases in the first three months. Plus, pay no annual fees in your first year.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Reward Rate:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\"> 4% : Groceries and Recurring bill payments; <br \/> 2% : Gas, Daily transit and Food delivery; <br \/> 1% : Other purchases<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Balance Transfer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">22.99%<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"text-center md:hidden mt-8\">\n\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/6541a6003c94e3001b69b222\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\n\n\n<p class=\"wp-block-paragraph\">If there&#8217;s one thing you can be sure of with <a href=\"https:\/\/api.fintelconnect.com\/t\/l\/6541a6003c94e3001b69b222\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Scotiabank&#8217;s Momentum Visa Infinite<\/a> credit card, it&#8217;s that you get what you pay for! In fact, cardholders get 4% cash back on groceries and recurring payments. This means your pre-authorized monthly phone plan could earn 4%. For gas and transportation costs, the cash back rate is 2%. Finally, for all other purchases, it is 1%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The card comes with a number of protections, including emergency travel medical insurance, flight delay insurance, delayed or lost baggage insurance, and extended protection and purchase insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Of course, there&#8217;s also mobile device insurance that covers brand-new tablets and smartphones, provided the full price of the device is paid with your card, or that you financed the purchase with a plan paid for with your card. You can be covered for up to $1,000 in the event of theft, loss, accidental damage or mechanical failure.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Scotia Momentum Visa Infinite<\/strong><\/td><td><strong>Description<\/strong><\/td><\/tr><tr><td>Estimated credit score<\/td><td>700<\/td><\/tr><tr><td>Minimum annual income<\/td><td>$60,000 per person or<br>$100,000 per household<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-neo-credit-add-perks-to-protect-your-phone\">Neo Credit &#8211; Add Perks to Protect your Phone<\/h2>\n\n\n\n\t\t<div class=\"relative p-10 rounded-sm shadow-(--shadow) !my-20 sm:w-[calc(100%-60px)] md:max-w-[900px] md:mx-auto\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/best-credit-cards-canada\/#h-1-neo-credit-best-credit-card-in-canada\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"absolute top-full left-1\/2 transform -translate-y-2\/5 -translate-x-1\/2 sm:-top-22 sm:-right-10 sm:-right-15 sm:left-auto sm:translate-x-0 sm:translate-y-0\">\n\t\t\t\t\t<img decoding=\"async\" class=\"max-w-30 max-h-30 w-auto h-auto\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/60fed96813fd2f260ff90748_offer_cc_badge\" alt=\"Offer Badge\">\n\t\t\t\t<\/a>\n\t\t\t\t\t\t<div class=\"md:flex gap-20 items-center\">\n\t\t\t\t<div class=\"shrink-0 md:w-1\/3 flex flex-col items-center justify-center\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/60fed96813fd2f260ff90748_offer_credit_card\" alt=\"Offer Image\" class=\"!my-0 mx-auto\">\n\t\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/62b3aa8efd5a9d001bb4958b\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline hidden md:block mt-5\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"text-center md:text-left\">\n\t\t\t\t\t<span class=\"font-medium text-xl md:text-2xl block mb-10\">Neo Mastercard<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"font-regular divide-y divide-primary-dark\/10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Annual Fee:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">$0<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Purchase Interest Rate:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Between 19.99%-29.99%<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Offer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Start building with Canada\u2019s first credit card designed to grow with you. Receive guaranteed, instant approval, guided credit building tools, and 1% cashback on gas & groceries.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"text-center md:hidden mt-8\">\n\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/62b3aa8efd5a9d001bb4958b\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/api.fintelconnect.com\/t\/l\/62b3aa8efd5a9d001bb4958b\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Neo Credit<\/a> takes first place in our list of the best credit cards for 2024, and there&#8217;s a good reason. To make the most of it, download the app and search for the highest cash back. It&#8217;s not uncommon to find cash back offers of over 5%, which is rare for a free card.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For $9.99 a month, you can add Perks to <a href=\"https:\/\/www.neofinancial.com\/perks\/mobile-personal-protection\" rel=\"nofollow noopener\" target=\"_blank\">Keep your digital world secure<\/a>. This protection includes mobile device insurance (damage, failure and theft). You&#8217;re entitled to 2 claims per year, with a $49 deductible and a $500 limit. The limit is lower than the other credit cards mentioned in this article, but you get other benefits. Neo offers a subscription to Dashlane Premium for secure password management, fraud insurance, a 24\/7 support line and credit monitoring services.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Neo Credit<\/strong><\/td><td><strong>Description<\/strong><\/td><\/tr><tr><td>Estimated credit score<\/td><td>600<\/td><\/tr><tr><td>Minimum annual income<\/td><td>None<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-american-express-cobalt-coverage-for-up-to-2-years\">American Express Cobalt &#8211; Coverage for Up to 2 Years<\/h2>\n\n\n\n\t\t<div class=\"relative p-10 rounded-sm shadow-(--shadow) !my-20  md:max-w-[900px] md:mx-auto\">\n\t\t\t\t\t\t\t<span class=\"absolute left-3 right-3 sm:right-auto bottom-full bg-primary-dark text-white text-center text-sm md:text-base font-medium py-2 px-8 rounded-t-lg w-content mx-auto\">\n\t\t\t\t\tGet up to 15,000 Membership Rewards points\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<div class=\"md:flex gap-20 items-center\">\n\t\t\t\t<div class=\"shrink-0 md:w-1\/3 flex flex-col items-center justify-center\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f46aebc4726ce7207266a75_offer_credit_card\" alt=\"Offer Image\" class=\"!my-0 mx-auto\">\n\t\t\t\t\t<a href=\"https:\/\/www.americanexpress.com\/ca\/en\/credit-cards\/cobalt-card\/?linknav=ca-en-amex-cardshop-allcards-learn-cobaltCard\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline hidden md:block mt-5\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"text-center md:text-left\">\n\t\t\t\t\t<span class=\"font-medium text-xl md:text-2xl block mb-10\">American Express Cobalt\u00ae Card<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"font-regular divide-y divide-primary-dark\/10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Annual Fee:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">$191.88<br \/> ($15.99\/month)<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">offerTitle:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Earn up to 15,000 Membership Rewards\u00ae points<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Offer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">New American Express Cobalt\u00ae Cardmembers can earn up to 15,000 Membership Rewards\u00ae points by earning 1,250 points for each monthly billing period in which you spend at least $750 in your first year.  This adds up to 15,000 points annually, worth up to $150 towards travel or other redemptions. Conditions apply.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"text-center md:hidden mt-8\">\n\t\t\t\t<a href=\"https:\/\/www.americanexpress.com\/ca\/en\/credit-cards\/cobalt-card\/?linknav=ca-en-amex-cardshop-allcards-learn-cobaltCard\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\n\n\n<p class=\"wp-block-paragraph\">When you pay for or finance the full purchase price of a mobile device with your <a href=\"https:\/\/hardbacon.ca\/en\/compare\/credit-cards\/amex\/american-express-cobalt-card\/\">American Express Cobalt card<\/a>, you&#8217;re covered for $1,000 in the event of theft, loss or accidental damage to the device, anywhere in the world. Coverage continues for up to 2 years from the date of purchase.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This card gives you 5 points per dollar on eligible purchases of restaurant meals or food delivery services in Canada. You also earn 3 points for streaming, 2 points on travel and transportation purchases, and 1 point for everything else. Its eligibility criteria are more flexible in terms of required income (none specified) compared to most other cards.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>American Express Cobalt<\/strong><\/td><td><strong>Description<\/strong><\/td><\/tr><tr><td>Estimated credit score<\/td><td>660<\/td><\/tr><tr><td>Minimum annual income<\/td><td>None<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-mobile-insurance-work\">How does mobile insurance work?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Among the countless rewards and insurance programs for travelers, mobile device protection is a little-known benefit of credit cards. In fact, it&#8217;s rarely the main reason why we choose one card over another, but let&#8217;s just say it&#8217;s a little extra that comes in handy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To qualify for mobile device insurance, all you need is a credit card that offers it! It&#8217;s usually a no-fee option, but take the time to read the conditions carefully, as they may vary from one card to another. Here are those that apply to most offers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Firstly, the new device must be purchased with your credit card. Note that used, remanufactured or modified appliances are not covered. Accessories are never covered. Maximum reimbursement is generally limited to $1,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Secondly, coverage generally lasts for a maximum of 24 months after purchase, and you cannot make more than one claim in any period of 12 consecutive months. In addition, the value of your device at the time of a claim may take into account depreciation, generally estimated at a <a href=\"https:\/\/www.bankmycell.com\/blog\/cell-phone-depreciation-report-2021-2022\/\" rel=\"nofollow noopener\" target=\"_blank\">loss of 2% per month<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Imagine the screen of your new phone shattering into pieces after you accidentally dropped it. Ouch! A credit card with mobile device insurance could help you save hundreds of dollars when replacing a stolen, lost or damaged mobile device. In this article, we present a list of the best credit cards with mobile device insurance [&hellip;]<\/p>\n","protected":false},"author":47,"featured_media":11865,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[192,325,343],"tags":[],"class_list":["post-44300","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-best-credit-cards","category-credit-card-insurance"],"acf":{"has_no_offer_box":"0"},"_links":{"self":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/posts\/44300","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/users\/47"}],"replies":[{"embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/comments?post=44300"}],"version-history":[{"count":0,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/posts\/44300\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/media\/11865"}],"wp:attachment":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/media?parent=44300"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/categories?post=44300"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/tags?post=44300"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}