Amex adds new cell phone protection benefit — check here to see if your card is eligible
Like most types of insurance, cell phone coverage doesn’t get much thought until calamity strikes.
That could in the form of a cracked screen — thanks to the laws of gravity — or worse still, a soaked or stolen device. Thankfully, over the past couple of years, we’ve seen more credit cards that offer cell phone protection. For instance, in 2019, Mastercard added this perk on World and World Elite cards.
And now, Amex is introducing its own version of cell phone protection for eligible U.S. consumer and small business cards starting on April 1, 2021.
New to The Points Guy? Sign up for our TPG daily newsletter for tips and tricks to make the most of your travel rewards.
Select premium Amex cards will have this new coverage — here is the full list of 12 eligible cards.
- The Platinum Card® from American Express
- The Business Platinum Card® from American Express
- Delta SkyMiles® Platinum American Express Card
- Delta SkyMiles® Platinum Business American Express Card
- Delta SkyMiles® Reserve American Express Card
- Delta SkyMiles® Reserve Business American Express Card
- Centurion® Card from American Express
- Business Centurion 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*
*The information for these cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
How Amex’s cell phone coverage works
In order to qualify for coverage, you first must be a cardholder of one of the products listed above. Additionally, a cardmember’s cell phone line needs to be listed on the wireless bill and the prior month’s bill must be paid on the eligible Amex card account.
Amex notes that the protection includes screen damage, which is typically excluded from damage coverage. Theft and any other form of damage can be reimbursed for repair or replacement costs.
Claims and deductible
Phones can be pretty expensive these days, so exactly how much is covered?
You are eligible for up to two approved claims, for a maximum of $800 per claim or $1,600 per 12-month period. A $50 deductible also applies to each approved claim. Eligible cardmembers can file a claim by calling the number on the back of their card.
During March, Amex will notify cardholders of this new benefit and how to take advantage.
Combine with Amex’s limited-time wireless credits
If you have the Delta SkyMiles® Platinum Business American Express Card or Delta SkyMiles® Reserve Business American Express Card (as of Jan. 1, 2021), the deal is even sweeter.
That’s because earlier this year, Amex announced that small business cardholders can earn up to $220 in statement credits on U.S. wireless telephone services through the end of 2021. So besides having your device protected, you’ll also get a monthly credit for paying a wireless bill with your card.
Here’s how that statement credit breaks down with each card.
- Delta SkyMiles® Platinum Business American Express Card: $15 back per month on U.S. wireless services (up to 11 times)
- Total statement credits: Up to $165 in statement credits
- Card annual fee: $250 (see rates & fees)
- Delta SkyMiles® Reserve Business American Express Card: $20 back per month on U.S. wireless services (up to 11 times)
- Total statement credits: Up to $220 in statement credits
- Card annual fee: $550 (see rates & fees)
To earn the statement credits, you must first enroll through Amex Offers.
Comparing coverage with other popular cards
Here are how these three protections compare.
The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
|Coverage and deductible||Notable exclusions||Cell phone bill earning rate|
|New Amex cell phone protection||Up to two claims; $800 per claim, up to $1,600 per 12-month period; $50 deductible.||Cosmetic damage that doesn’t affect phone’s ability to function, lost phones||1x|
|Citi Prestige||Up to $1,000 per claim; $1,500 max per 12-month period; $50 deductible||Cosmetic damage that doesn’t affect phone’s ability to function, lost phones||1x|
|Chase Ink Business Preferred||Up to three claims; $600 per claim; $1,800 max per 12-month period; $100 deductible||Cosmetic damage that doesn’t affect phone’s ability to function, lost phones||3x|
As you can see, the Amex cell phone protection coverage is very competitive when compared to these two other cards. However, the Ink Business Preferred comes out on top when it comes to its standard earning rate for phone services.
For cards such as the Amex Platinum, this adds to already-existing purchase protection and extended warranty benefits.
On the Amex Platinum, purchases of up to $10,000 per incident are protected against damage, loss or theft for up to 90 days. The Platinum also offers 90 days of return protection, up to $300 per item. And extended warranty protection offers one full year of coverage at $10,000 per item and up to $50,000 per calendar year.
If you now have an Amex card that offers cell phone protection, it’s likely a no-brainer to use that card to pay your phone bill. You may lose a few points by switching from a card that offers bonuses on phone bills, but this way you’ll have coverage for you and others on your plan without needing to pay your phone company for device coverage.
Featured photo by Alexander Spatari/Getty Images.
Welcome to The Points Guy!
WELCOME OFFER: 100,000 Points Terms Apply.
TPG'S BONUS VALUATION*: $2,000
CARD HIGHLIGHTS: Delta Sky Club and Centurion lounge access, up to $200 annual airline fee credit and up to $200 in Uber Cash annually (only for use in the U.S.) (Enrollment required for select benefits)
*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.
- Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
- Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
- Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
- $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
- New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
- $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
- $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
- $695 Annual Fee.
- Terms Apply.
- See Rates & Fees