Disclosure: Basic Travel Couple, LLC has partnered with CardRatings for our coverage of credit card products. Basic Travel Couple, LLC and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Amex has taken 2021 by storm with a variety of promotions being released to date. We’ve seen promotional food credits, lucrative Amex Offers, and even the Amex Rose Gold coming out of retirement. Starting April 1st, a variety of Amex Credit 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
- Platinum Card from American Express
- Delta Reserve Credit Card
- Platinum Delta SkyMiles Credit Card
- Business Centurion Card from American Express
- Business Platinum Card
- Delta Reserve for Business Credit Card
- Platinum Delta SkyMiles Business Credit 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
AMEX Platinum Credit Card
Earn 75,000 membership rewards once you spend $5,000 on purchases within the first 3 months from account opening. You can also earn 10x points on eligible purchases on up to $15,000 in combined purchases at U.S. Gas Stations and U.S. Supermarkets, during your first 6 months of Card Membership. Terms Apply. Learn More Here.
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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.
Basic Breakdown
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 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 from you down in the comments or over in the 4,800+ Member Basic Travel Facebook Group!
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Disclosure: Basic Travel Couple, LLC has partnered with CardRatings for our coverage of credit card products. Basic Travel Couple, LLC and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved 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. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
