Tax planning can benefit your personal finance strategy in both the short and long run.

Student Rewards

Another option is Verizon’s Cellular Protection Card. The plan covers a maximum of $600 of cell phone repair costs and includes two claims per year. The only catch is that you must make claims within sixty days of the incident. To file a claim, you must provide evidence of the incident. In some cases, you must provide a police report as well.

Wells Fargo’s credit cards offer many benefits, including 0% introductory APR offers and no annual fee. However, they don’t have as many card options as other providers do. Chase and American Express have robust rewards programs, while Capital One offers a wide variety of travel perks.

Wells Fargo

A Wells Fargo Student Rewards credit card can offer valuable benefits to college students, such as phone insurance and secondary rental-car coverage. While these are both nice features, they don’t compensate for the lack of rewards potential offered by many other student credit cards. If you’re in need of a student credit card, try the CardCruncher comparison tool.

credit card

While many credit card companies offer similar policies, it is best to check the fine print and see what’s covered. In some cases, you’re not covered if you are in an accident or your phone is stolen. If this happens, you’ll get the cost of the repair or replacement back from the company.

If you’re thinking of upgrading your credit card phone insurance, consider the U.S. Bank Visa Platinum card. This card has no annual fee and covers up to $600 in cell phone insurance claims. This card also offers free cell phone insurance and an interest-free period of 18 months.


You can also use the card to access your credit score with VantageScore and a free credit score simulator.

Intro Period

After the intro period, you’ll have to pay a balance transfer fee of 3% of the transferred balance.


While this credit card may seem convenient, it doesn’t offer a rewards program. That’s not a great deal if you use your card frequently.


If you’re planning to use the card for balance transfers or new purchases, U.S. Bank Visa Platinum offers an introductory APR of nearly two years. If you’re not comfortable with this introductory offer, you can choose a different card with a longer intro period.

If you have an iPhone or a cell phone, U.S. Bank Visa Platinum credit card phone insurance can protect you if it is stolen or damaged. This plan offers up to $600 of coverage for accidental damage. However, it has a limited coverage period and requires you to make payments every month.


Once you’re past the intro period, you can start earning rewards. The introductory offer gives you $200 cash back after you spend $1,500 in the first six months. Unlike most other cell phone insurance policies, U.S. Bank Visa Platinum credit cards have a low annual fee and offer coverage for up to $1200 worth of damage to your phone.