How to use the Autograph Cell phone protection
The Wells Fargo Autograph Cell phone protection is worth up to $600 / claim. It’s always on while you hold the card — there’s no window to miss.
What it is
Up to $600 per approved claim (two claims per 12-month period) for damage, theft, or involuntary and accidental parting of a cell phone, less a $25 deductible, when the monthly cell phone bill is paid with the card. Lost phones are not covered. Coverage begins the first day of the calendar month after the first qualifying bill payment.
Summarized from Wells Fargo’s published terms, checked November 11, 2026. Terms change — confirm details with Wells Fargo before you rely on them.
When it resets
Always available while you hold the card. Nothing to reset.
How not to lose it
- Pay with the Autograph. The credit only follows purchases charged to the card that carries it.
Quick answers
How much is the Autograph Cell phone protection?
Up to $600 / claim. Up to $600 per approved claim (two claims per 12-month period) for damage, theft, or involuntary and accidental parting of a cell phone, less a $25 deductible, when the monthly cell phone bill is paid with the card. Lost phones are not covered. Coverage begins the first day of the calendar month after the first qualifying bill payment.
How do I remember to use the Autograph Cell phone protection?
Add the Autograph to CardSmart, a free iPhone and Android app. It shows which credits are still unused and reminds you before each window closes. No card number or bank login needed.