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Amex Platinum Cell Phone Coverage – Advertiser Disclosure: Eye of the Flyer, a division of Chatterbox Entertainment, Inc. has entered into cooperation with CardRatings regarding our offer of credit card products. Eye of the Flyer and CardRatings may receive a commission from card issuers. Some or all card offers appearing on the site are provided by advertisers. Compensation may impact how and where card products are displayed on the site. This page does not include all card companies or all available card offers. Opinions, reviews, analyzes and recommendations are solely those of the author and have not been reviewed, approved or endorsed by any of these entities.
A few weeks ago, American Express announced that it would be adding mobile phone protection to several premium cards. However, there is an interesting twist that is worth keeping in mind if you plan to use this bonus.
Amex Platinum Cell Phone Coverage
Before we get into the meat of the matter, let’s go over Amex’s definition of “cell phone protection.”
American Express Adding Cell Phone Protection To Several Premium Cards
Effective April 1, 2021, if a Cardholder’s mobile phone is stolen or damaged, including a cracked screen, they may be reimbursed for repair or replacement costs on up to two approved claims, up to a maximum of $800 per claim or $1,600 per claim. a 12-month period if their phone line is listed on their wireless bill and the previous month’s wireless bill was paid by an Eligible Card Account. Each approved claim is eligible for a $50 deductible. Which Amex cards qualify for cell phone coverage?
This is an especially nice incentive for people who are considering applying for Delta American Express’s large welcome card offers (although Gold cards are not eligible for this offer).
What was interesting, however, was that the American Express® Gold Card is not one of the eligible cards – even though it carries the same annual fee as both Delta Platinum Amexs cards (personal and business versions).
I asked PR Amex whether the qualifying card must cover the entire cell phone bill. For example, I currently pay a $20 monthly wireless bill for the Delta Reserve Business Amex card because it comes with a $20 credit. I use the Business Platinum Card® from American Express to pay off the balance thanks to the 5X Membership Rewards promotion.
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(I typically pay my cell phone bill with Ink Cash, which offers 5X Ultimate Rewards points on purchases with a wireless service provider, up to $25,000 a year in total spending).
If, God forbid, I have to use coverage to pay for a screen repair or replacement, I’m curious if I’m covered.
A spokesperson for PR Amex said: “Each claim will need to be assessed on a case-by-case basis based on the information provided when completing the claim. To be eligible for cell phone coverage, Cardmembers must use an eligible Amex Card account to pay their monthly wireless bills.
That you must pay your entire bill with a qualifying card, but nothing in that language
Protect Your Expensive Flagship Phone With Free Insurance From American Express
Indicates as much. Now, if I split the payments between two qualifying Amex cards, I think I would have a strong argument that I should be reimbursed for any damages (and again, this is the worst-case scenario).
However, keep in mind that if you deposit the minimum amount on a qualifying Amex card and the balance on an ineligible card, you may not receive the benefit. So keep this in mind when paying your bill.
Advertiser Disclosure: Eye of the Flyer, a division of Chatterbox Entertainment, Inc. has entered into cooperation with CardRatings regarding our offer of credit card products. Eye of the Flyer and CardRatings may receive a commission from card issuers. Some or all card offers appearing on the site are provided by advertisers. Compensation may impact how and where card products are displayed on the site. This page does not include all card companies or all available card offers. Opinions, reviews, analyzes and recommendations are solely those of the author and have not been reviewed, approved or endorsed by any of these entities. Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. The bank advertiser is not responsible for ensuring that all posts and/or questions are answered.
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My Experience With American Express Cell Phone Insurance Protection
Chris Carley is the owner, editor and primary author of Eye of the Flyer (formerly known as Rene’s Points).
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This could come in the form of a cracked screen – thanks to the laws of gravity – or worse, a wet or stolen device. Fortunately, over the last few years, more credit cards have emerged that offer cell phone protection. For example, in 2019, Mastercard added this benefit to the World and World Elite cards.
American Express Enhances The U.s. Platinum Card® With New Suite Of Travel And Everyday Benefits
Now Amex is rolling out its own version of mobile phone protection for eligible U.S. consumer cards and small business cards, starting April 1, 2021.
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Select Amex premium cards will be covered by the new insurance – see the full list of the 12 eligible cards here.
*The information regarding these cards has been independently collected by The Points Guy. The card details on this page have not been verified or provided by the card issuer.
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To qualify for coverage, you must first be a cardholder of one of the products listed above. In addition, the cardholder’s telephone line must be listed on the wireless bill and the previous month’s bill must be paid on an eligible Amex card account.
Amex notes that coverage covers screen damage, which is not typically covered by insurance. Repair or replacement costs may be refunded in the event of theft or other damage.
You are entitled to a maximum of two approved claims with a maximum amount of $800 per claim or $1,600 for a 12-month period. There is also a $50 deductible for each approved claim. Eligible cardholders can apply by calling the number on the back of their card.
If you have a Delta SkyMiles® Platinum Business American Express Card or a Delta SkyMiles® Reserve Business American Express Card (as of January 1, 2021), the deal is even sweeter.
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That’s because earlier this year, Amex announced that small business cardholders could earn up to $220 on their U.S. wireless statement through the end of 2021. In addition to device protection, you will also receive a monthly credit to pay for your wireless subscription using your card.
In addition to Mastercard World and World Elite cards (like the Citi Prestige® Card), another popular credit card that offers cell phone protection is the Chase Ink Business Preferred® credit card.
The information for Citi Prestige was independently collected by The Points Guy. The card details on this page have not been verified or provided by the card issuer.
Up to three claims; $1,000 per claim; up to three claims in a 12-month period; $100 deductible per claim
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As you can see, Amex cell phone protection is very competitive compared to these two other cards. However, Ink
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