Are you tired of using credit cards to pay your cell phone bill just to get that sweet, sweet autopay discount? Well, reader "TheGreatHambino" over at Doctor of Credit has compiled an awesome list of debit cards and bank accounts that offer cell phone protection, and it's a game-changer. More and more providers are pushing for debit card or bank account payments to snag those discounts, so having a backup plan for protection is key.

This list includes banks and credit unions like PenFed, GreenFi, Rio Grande Credit Union, CUTX, and others, each offering varying levels of coverage (usually up to $500-$800 per incident) with deductibles. Some accounts are completely free, while others have monthly fees or require certain checking account tiers. For us award travelers, this is important because it lets us grab those autopay discounts without sacrificing protection if our phone goes for a swim or takes a tumble. Plus, you can keep those credit card slots open for maximizing rewards on other purchases!

It's worth checking out the full list to see if any of these options work for you. Keep in mind that many of these require you to pay your monthly wireless bill with the debit card from the specific bank. While some have fees, others are completely free, making them a no-brainer if you're already using a debit card for your cell phone bill.