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Amex has taken 2021 by storm with a variety of promotions being released to date. We’ve seen promotional food credits, lucrative Amex Offers (Enrollment required), and even the Rose-colored American Express® Gold Card coming out of retirement. Starting April 1st, a variety of Amex Cards will be now including Cell Phone Protections when using an eligible card to pay the monthly bill.
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How does Amex Cell Phone Protection Work?
If a cell phone is damaged or stolen, Amex cell phone protection will provide reimbursement of up to $800 per claim. There is a $50 deductible that the cardholder must pay in order to receive the reimbursement. It is important to note that there is a maximum of two claims per eligible card per a 12-month period.
Can you file more than two claims?
If someone has more than one eligible AMEX card, they could file two claims per card. Basically, the more eligible cards a person has, the more times they could potentially file a claim with Amex Cell Phone Protection. Remember you would have to switch which cards you are paying the bill on.
Which Amex Cards are eligible?
The following Amex Credit Cards will all carry the new Cell Phone Coverage starting on April 1st, 2021.
- Centurion® Card from American Express
- The Platinum Card® from American Express
- Delta SkyMiles® Reserve American Express Card
- Delta SkyMiles® Platinum American Express Card
- Business Centurion Card from American Express
- The Business Platinum® Card from American Express
- Delta SkyMiles® Reserve Business American Express Card
- Delta SkyMiles® Platinum Business American Express Card
- The American Express Platinum Card® for Schwab
- The Platinum Card from American Express for Goldman Sachs
- The Platinum Card from American Express for Morgan Stanley
- The Platinum Card from American Express for Ameriprise Financial
Earn 100,000 membership rewards once you spend $6,000 on purchases within the first 6 months of Card Membership. Terms Apply. This is an amazing travel card with plenty of extra perks for those who travel often.
- Earn 10x points on eligible purchases at restaurants worldwide and when you Shop Small on up to $25,000 during your first 6 months of card membership.
- $200 Hotel Credit: Each year you can get $200 back in statement credits 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.
- $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 Casn and Uber VIP status avialable to Basic Card Member Only
- Enjoy complimentary access to the Global Lounge Collection, including our favorite Centurion Lounge access. (Such as Centurion Lounge DEN)
- $695 Annual Fee. (Rates & Fees)
- Terms Apply.
- Learn More Here.
How to make sure the coverage is active?
Finally, to ensure that the cell phone protection is active, the cell phone bill must be paid with one of the eligible Amex credit cards listed above. Coverage begins the first day of the month following paying the cell phone bill with an eligible card. Conversely, if the bill is not paid with the eligible credit card, the coverage is suspended the following month. The Amex Celluar Protection Benefits Guide can be found by clicking here for more information.
In conclusion, it is definitely nice to see Amex adding more to their cards to be more competitive with the other issuers. I have personally used the Cell Phone Coverage a handful of times to get my cracked screen fixed on my iPhone using my Chase Ink Business Preferred Credit Card protection. Lastly, it is important to note the differences in these coverages. The fact that the Amex coverage is $50 less in deductible (CIBP is $100 per claim) and covers $200 more per claim (CIBP is $600), I’ll certainly be switching my wireless bill over to one of my eligible Amex cards!
Let us know!
What do you think about the new Amex Cell Phone Coverage?
I’d love to hear down in the comments below or over in our 6,000+ Member Basic Travel Facebook Group!
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Basic Travel Couple, LLC has partnered with CardRatings and MileValue.com for our coverage of credit card products and may receive a commission from card issuers. Editorial Disclaimer: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
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