Coverage finder
Credit cards with mobile device insurance in Canada
Cards that protect your phone against loss, theft, or damage. 15 cards, ranked by value. Every benefit cites the official issuer page. Updated 2026-06-20.
Some Canadian credit cards include mobile device insurance that can repair or replace a phone lost, stolen, or damaged after you buy or pay your phone bill with the card. Coverage is usually capped (often around $1,000) with a depreciation schedule and a deductible. The cards below list mobile or new device insurance from the issuer.
- 1
Scotiabank
Scotiabank Gold American Express Card
Great for travel abroad
Welcome value
~$450
Earn up to 45,000 bonus Scene+ points ($450 in travel rewards)
- Annual fee
- $120
- Purchase APR
- 21.99%
8.3Cited · verified 2026-06-13View → - 2
Scotiabank Passport Visa Infinite Card
Great for travel abroad
Welcome value
~$500
Earn up to 40,000 bonus Scene+ points + 10,000 in first 6 months
- Annual fee
- $150
- Purchase APR
- 20.99%
8.1Cited · verified 2026-06-13View → - 3
National BankWorld Elite
National Bank World Elite Mastercard
Everyday rewards
Welcome value
35k pts
Offer ends Jun 29Get up to $1,052 in benefits and rewards for the first year
- Annual fee
- $150
- Purchase APR
- 22.49%
7.9Cited · verified 2026-06-17View → - 4
BMO
BMO eclipse rise Visa
No annual fee rewards
Welcome value
No current offer
25,000 bonus points for you
- Annual fee
- No fee
- Purchase APR
- 21.99%
7.8Cited · verified 2026-06-13View → - 5
MBNAWorld Elite
MBNA Rewards World Elite Mastercard
Everyday rewards
Welcome value
30k pts
Earn up to 30,000 bonus MBNA Rewards Points
- Annual fee
- $120
- Purchase APR
- 21.99%
7.8Cited · verified 2026-06-17View → - 6
Scotia Momentum Visa Infinite Card
Cash back on everyday spending
Welcome value
No current offer
Offer until Nov 115% cash back on first $2,000 in everyday purchases (first 3 months) + first year annual fee waived
- Annual fee
- $120
- Purchase APR
- 20.99%
7.6Cited · verified 2026-06-13View → - 7
RBC Royal BankStandard
RBC ION+ Visa
Travel points & miles
Welcome value
~$280
Get 14,000 Avion points upon approval - that's $100 of value in gift cards
- Annual fee
- $48
- Purchase APR
- 20.99%
7.5Cited · verified 2026-06-13View → - 8
Scotiabank American Express Card
No annual fee rewards
Welcome value
~$25
Earn 2,500 bonus Scene+ points
- Annual fee
- No fee
- Purchase APR
- 21.99%
7.2Cited · verified 2026-06-13View → - 9
BrimWorld Elite
Brim World Elite Mastercard
Everyday rewards
Welcome value
No current offer
Earn up to $500 in Brim points when you use your Brim Card for the first time at participating merchants
- Annual fee
- $89
- Purchase APR
- —
7.1Cited · verified 2026-06-17View → - 10
National Bank Platinum Mastercard
Everyday rewards
Welcome value
25k pts
Up to 25,000 rewards points upon enrollment
- Annual fee
- —
- Purchase APR
- 20.99%
7.1Cited · verified 2026-06-17View → - 11
MBNA Rewards Platinum Plus Mastercard
No annual fee rewards
Welcome value
10k pts
Earn up to 10,000 bonus MBNA Rewards Points ($50 in cash back value)
- Annual fee
- No fee
- Purchase APR
- 21.99%
7.0Cited · verified 2026-06-17View → - 12
mycredit Mastercard
Cash back on everyday spending
Welcome value
No current offer
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.9Cited · verified 2026-06-17View → - 13
Scotia Momentum Visa Card
Cash back on everyday spending
Welcome value
No current offer
- Annual fee
- $49
- Purchase APR
- 20.99%
6.9Cited · verified 2026-06-13View → - 14
Brim Mastercard
No annual fee rewards
Welcome value
No current offer
Earn up to $500 in Brim points when you use your Brim Card for the first time at participating merchants
- Annual fee
- No fee
- Purchase APR
- —
6.8Cited · verified 2026-06-17View → - 15
Scotia Momentum No-Fee Visa Card
Cash back on everyday spending
Welcome value
No current offer
Offer ends Jul 15% cash back on up to $2,000 in eligible purchases for first 3 months + 0% intro balance transfer rate
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.7Cited · verified 2026-06-13View →
Frequently asked
- Which Canadian credit cards include mobile device insurance?
- We track 15 cards that list mobile device insurance. By our value ranking the Scotiabank Gold American Express Card from Scotiabank leads, with a $120 annual fee. Coverage terms vary, so read the issuer's certificate of insurance.
- Is the coverage guaranteed?
- No. Credit card insurance is conditional and governed by a certificate of insurance with limits, exclusions, and eligibility rules. We list which cards advertise the benefit; always confirm the current terms on the issuer's page before relying on it. Nothing here is financial advice.
- How current is this list?
- Benefits are checked against official issuer pages and were last refreshed 2026-06-20.
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