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Amex Platinum Benefits Cell Phone – Starting April 1, 2021, select Amex cards have cell phone protection. Eligible cards include Centurion cards (individuals and businesses), Platinum cards (including co-branded Platinum business and consumer variants), Delta Platinum (individuals and businesses), and Delta Reserve (consumer and businesses). Strangely, in my opinion, the $450 Bonvoy Brilliant and Hilton Aspire cards are missing from the list. I’m also a little surprised not to see the Gold Card or Business Gold Card listed.
Cell phone protection is already available from many other credit cards (see: Credit Card Cell Phone Insurance Comparison), but it’s great to see Amex joining the party. Keep in mind that this is different from purchase protection (which Amex also offers). Amex Purchase Protection covers damage, loss or theft for 90 days from purchase. Nick had great luck using their purchase protection with a phone that broke shortly after purchase. Cell phone protection, on the other hand, is always available as long as you pay your wireless bill with your eligible card. With purchase protection there is no deductible, but with cell phone coverage they impose a $50 deductible per claim. If Amex itself handles cell phone protection complaints the same way it does with purchase protections, that’s fantastic news: According to many testimonials, it’s usually much better to work with Amex and with third-party insurers.
Amex Platinum Benefits Cell Phone
If you have multiple eligible cards, here are my thoughts on which ones are best to use to pay your cell phone bill in the short term:
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Recognizing the importance of these devices, American Express is supporting cardholders by adding cell phone protection as a new benefit for eligible U.S. consumer and small business cards, including screen damage protection, which is generally excluded from damage coverage. Starting April 1, 2021, if a cardholder’s cell phone is stolen or damaged, including a cracked screen, they may be reimbursed for repair or replacement costs for up to two approved claims, for up to of $800 per claim or $1. 600 per 12-month period, when their cell phone line is listed on a wireless bill and the previous month’s wireless bill was paid by an eligible card account. A $50 deductible applies to each approved claim. Cell phone protection will be included at no additional cost for the following American Express Card members: Platinum Card® from American Express Business Platinum Card® Centurion® Card from American Express Business Centurion Card® Delta SkyMiles® Platinum American Express Delta Card SkyMiles® Platinum Business American Express Delta Card SkyMiles® Reserve American Express Delta Card SkyMiles® Reserve Business American Express Card The Platinum Card® Exclusively for Charles Schwab The Platinum Card® Exclusively for Morgan Stanley The Platinum Card® Exclusively for Goldman Sachs The Centurion® Card Exclusively for Goldman Sachs For additional coverage information, please see the Benefits Guide at americanexpress.com/us/credit-cards/features-benefits/policies/cell-phone-protection.html.
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A new phone is a great joy in life, probably even more so than it should be. Dropping it – not so much.
There’s no quicker way to wipe the smile off your face than dropping the phone on the first day while trying to put on the screen protector. Fears of losing the phone, damaging it further, or dropping it down the toilet forever also remain, but Amex has a compelling new reason to pay your phone bill with its cards, eliminating most of the worry.
Amex, in its latest move to keep cardholders happy while travel is on pause for many, is adding an incredibly lucrative new benefit to many premium cards that offers new protection for phones, even cracked screens, up to ‘to $1,600 per year.
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Amex not only adds a cell phone protection benefit for cardholders, but also goes further than most, covering cracked screens too! The changes will automatically take effect for various cardholders from April 1, 2021 – so don’t drop your phone before then!
Under the new coverage, Amex cardholders with a variety of premium offers from credit card issuers will receive up to $800 per claim, usable twice a year. Here’s how American Express describes the new free coverage and card benefits…
Starting April 1, 2021, if a cardholder’s cell phone is stolen or damaged, including a cracked screen, they may be reimbursed for repair or replacement costs for up to two approved claims, for up to of $800 per claim or $1. 600 per 12-month period, when their cell phone line is listed on a wireless bill and the previous month’s wireless bill was paid by an eligible card account. A $50 deductible applies to each approved claim. American Express
Amex will automatically add the coverage to a variety of premium cards, and the benefit alone is reason to further consider many of these cards, if you were before. Amex cards that benefit from this new automatic cell phone coverage include…
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This one is pretty clear. For Amex cell phone coverage to apply to your card, you must have paid the bill for that phone with your eligible American Express card. This means that in practice, it’s best to automatically pay your phone bill with your Amex card, so that it’s always the case if something happens.
You can read the full terms and conditions of American Express’ new cell phone coverage policy here. Basically, as long as the card account is open and up to date, you didn’t intentionally cause the damage, and you’re not renting the phone, you should be fine.
Amex has been busy in the last year adding limited-time benefits, such as fee credits for streaming services, cell phone bills, delivery and more. The Platinum Card also benefits from exclusive airfare discounts on domestic travel within the United States, which has proven to be a huge success.
There’s no doubt that many people would happily trade in the credit card benefits they hope they’ll never need so they can travel freely and safely again, but it may not be long before you benefit from the two, and cell phone protection is here to stay. If there was an argument for using your Amex card to pay your cell phone bill, this would be it.
American Express Card Cell Phone Protection: Damage And Theft Coverage
Gilbert Ott is an ever-curious traveler and one of the world’s leading travel experts. His adventures take him all over the world, often spanning more than 200,000 miles a year and his travel exploits are regularly… More by Gilbert OttThis article contains references to products from one or more of our advertisers. We may receive compensation when you click on links to these products. The content of this page is accurate as of the date of publication; however, some of the offers mentioned may have expired. For more information, see our Advertising Disclosure.
Conditions apply to American Express benefits and offers. Registration may be required for certain American Express benefits and offers. Visit americanexpress.com to learn more.
It’s not always bad news when a bank changes its credit card benefits. One of these new benefits saved my family $350 after dropping and breaking a cell phone.
Last April, American Express added cell phone protection insurance to many of its top U.S. travel credit cards for consumers and small businesses, from American Express’ premium Platinum Card® to even select cards co-branded credit cards like the American Express Delta SkyMiles® Platinum Card. By simply paying your wireless phone bill with one of these cards, you’ll be covered in case of damage, including cracked screens or even if your phone is stolen.
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American Express will reimburse repair or replacement costs for up to two approved claims for a maximum of $800 per claim or $1,600 over a 12-month period. Coverage for an eligible stolen or damaged wireless cellular phone is subject to the terms, conditions, exclusions and limitations of liability of this warranty. Each claim is subject to a $50 deductible. Coverage is limited to two claims per eligible card account per 12-month period.
On paper, this all sounds great. But what is the practical experience? Do they make you jump through a crazy number of hoops to get compensated? When my father-in-law dropped his
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