re: Cell phone insurance

I never had it before this card either. But with two kids, myself, and my wife all having phones it made sense to get the card when included with the fact it does 3% cash back on vrbos and airbnbs which we use more than hotels.

Technically my phone was just ready to be upgraded cause it was older and the USB port wore out, but it saved me about 3/4 the cost of my new one. So...

Anyone can hate on it all they want, I still think it's a sweet deal.