The benefits administrator may choose to repair or replace your phone, or reimburse you for the current suggested retail price of a replacement cell phone of similar kind and quality. Your reimbursement will exclude taxes, delivery and transportation charges, and any fees associated with the cell phone service provider, minus your $100 deductible. Reimbursement typically takes about 10 business days from receipt and approval of the claim form and all required documents.

No. There's no need to enroll. Enrollment in the program is automatic as long as you pay your monthly cell phone bill with your First Citizens Premium Rewards, Rewards or Cash Back Visa credit card.

All protection is different. We recommend you review the Business Visa Credit Card Guide to Benefits: Cell Phone Protection (PDF) and compare it to your current protection. Based on your needs, you can determine if it makes sense to continue paying a monthly fee for your current protection or cancel it and use the benefit offered through First Citizens.

To submit a cell phone protection claim, you'll need to provide documents to prove that you purchased your phone, like an original store receipt, as well as proof that you paid your monthly bill with your First Citizens credit card. If your phone was stolen, you'll need to provide a police report. You may be required to submit additional documents. Please review the Business Visa Credit Card Guide to Benefits: Cell Phone Protection (PDF) for full details.

No. Phone accessories other than standard battery or standard antenna provided by the manufacturer, such as cases or PopSockets®, aren't covered.

No. Phones that are lost or misplaced aren't covered.