When you make a pricey purchase such as a cell phone or smartwatch, if you pay with certain credit cards you can get replacements or repairs for little or no cost. Some credit cards may charge a nominal fee, about $50.00, but it’s definitely worth looking into if your item is lost or stolen too. Check with these credit card companies to see if you are covered: Chase Freedom Card, Capital One VentureOne Rewards, and American Express Blue Cash Everyday to name a few.