Credit cards with mobile device insurance
We compare 28 credit cards with mobile device insurance from 10 Canadian issuers. Annual fees range from $0 to $499. Sorted lowest annual fee first.
Updated October 2026
Credit cards with mobile device insurance compared
Mobile device insurance covers a phone you bought or financed with the card against loss, theft or damage, up to a limit. Coverage amounts, deductibles and how you need to pay for the phone vary by card, so read the certificate.
2.5x on recurring bill payments
- No annual fee
- 5 points per $2 on groceries, dining, takeout and recurring bills
- Up to 5,000 bonus points a year for paying on time and redeeming
0.5x on all purchases
- No annual fee and free supplementary cards
- 1.5% foreign transaction fee, below the 2.5% most cards charge
- Up to 30 points per dollar at Brim partner merchants
3% on restaurants
- 3% back at restaurants and Costco gas stations
- No annual fee and no limit on total cash back
- Mobile device insurance included
2% on restaurants
- 2% cash back on restaurants, entertainment and transit, with no annual fee
- Travel medical coverage for trips of up to 3 days
- Mobile device insurance up to $1,000
2x on groceries
- No annual fee, including up to nine additional cards
- 2x points on groceries, restaurants, digital media and utilities
- Yearly birthday bonus of 10% of points earned, up to 10,000
3x on Sobeys-family grocery stores
- 3 points per dollar at Sobeys-family grocery stores
- 2 points per dollar on dining, gas, transit and streaming
- No annual fee and a low $12,000 income requirement
2% on 2 categories of your choice
- 2% cash back in 2 or 3 categories you choose, with no cap
- No annual fee
- Mobile device and rental car insurance
4x on Expedia For TD bookings
- 3x points on groceries, dining and public transit
- 4x on travel booked through Expedia For TD
- No annual fee
1.5x on WestJet flights, WestJet Vacations & Sunwing Vacations
- Low $39 annual fee
- Annual round-trip companion voucher from $199
- Voucher renews with just $2,500 of spending a year
3x on groceries
- 3x Avion points on groceries, gas, dining, transit and streaming
- Just $4 a month, rebated for eligible students and young adults
- Up to 14,000 Avion points awarded on approval
1x on all purchases
- First year free, then $89 a year
- 1.5% foreign transaction fee instead of the more common 2.5%
- Event ticket, hotel burglary, mobile device and rental car coverage
6x on Expedia For TD bookings
- 4.5x on groceries, dining and public transit
- 6x on travel booked through Expedia For TD
- No minimum income requirement
1x on all purchases
- 1.5% foreign transaction fee, below the 2.5% most cards charge
- Broad insurance, including mobile device and event ticket coverage
- Up to 30 points per dollar at Brim partner merchants
4% on groceries
- 4% cash back on the first $10,000 of groceries a year
- 3% on restaurants, entertainment and alternative transportation
- Mobile device insurance up to $1,500
2% on restaurants
- Travel medical for trips of up to 60 days, depending on age
- 2% in BONUSDOLLARS on dining, entertainment, travel and bills
- Mobile device insurance up to $1,000
SimplyCash Preferred Card from American Express
See detailsfrom American Express$119.88 annual feeRates & fees4% on groceries
- 2% cash back on every purchase outside the 4% categories
- 4% on gas and groceries
- Travel medical and mobile device insurance included
4% on groceries
- 4% cash back on groceries, gas and EV charging
- 2% on dining, transportation and recurring payments
- First-year annual fee rebated under the current offer
5x on groceries
- 5 points per dollar in five everyday categories
- Annual birthday bonus of 10% of points earned, up to 15,000
- High $50,000 annual cap in each 5x category
4% on groceries
- 4% cash back on groceries and recurring bill payments
- 2% on gas, EV charging, transit, rideshare and food delivery
- Redeem cash back any time once you have $25
6x at Sobeys, Safeway, FreshCo, Foodland and more
- Up to 6x Scene+ points at Sobeys, Safeway, FreshCo and Foodland
- No foreign transaction fee
- 5x on dining, food delivery and entertainment
3% on groceries
- 3% in BONUSDOLLARS on groceries and restaurants, up to annual limits
- Travel insurance for trips of up to 60 consecutive days
- 8 free lounge passes a year at Montreal-Trudeau airport
2x on travel via CIBC Rewards Centre
- Book any airline and any seat with no blackout dates
- Up to 35,000 Aventura points plus a first-year fee waiver
- 1.5 points per dollar on gas, EV charging, groceries and drugstores
1.5x on groceries
- Free first checked bag on Air Canada
- 1.5 points per dollar on groceries, gas and Air Canada purchases
- Travel medical coverage for trips of up to 21 days
3% on groceries
- 3% cash back across five everyday categories
- Free Deluxe TD Auto Club membership with 24/7 roadside assistance
- Fee rebated every year with a TD All-Inclusive Banking Plan
6x on WestJet flights
- Up to 6 WestJet points per dollar on WestJet flights
- Instant WestJet Rewards Silver status
- Two free checked bags for you and up to 8 guests
5x on eats & food delivery
- 5x points on groceries, restaurants and food delivery
- Points transfer to airline and hotel programs, including Aeroplan and Marriott Bonvoy
- Monthly billing spreads the cost of the fee
4% on restaurants
- 4% back on restaurants, entertainment and alternative transportation
- 11.9% purchase rate, unusually low for a premium card
- Up to 18 lounge visits a year across two programs
3x on travel via CIBC Rewards Centre (CIBC by Expedia)
- 2x points on groceries, gas, dining and transportation; 1.25x elsewhere
- $200 annual travel credit
- Six lounge visits a year and two NEXUS application fee rebates
Questions
How many credit cards with mobile device insurance does CreditLab compare?
We compare 28 credit cards in this category from 10 issuers, with fees from $0 to $499 a year. Each one links to a full breakdown of its fees, rates and features.
Are there phone insurance options with no annual fee?
Yes. 8 of them have no annual fee, including the BMO eclipse rise Visa Card, Brim Mastercard, CIBC Costco Mastercard.
More credit cards by category
Fees and rates come from each issuer’s published terms. Always confirm with the issuer before applying. See our methodology.