Slickdeals is community-supported.  We may get paid by brands or deals, including promoted items.
Frontpage Advertiser Disclosure

American Express Card Membership Benefit: Cell Phone Protection (Up to $800)

Free
(Valid for Select Cardholders/Cards)
+183 Deal Score
189,528 Views
American Express is offering select/qualifying American Express Card Membership Benefit/Perk: Cell Phone Protection embedded on select card(s) for Free. Effective on April 1, 2021, you can be reimbursed for your repair or replacement costs following damage or theft up to $800 per claim w/ a limit of 2 approved claims per 12-month period when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by the Eligible Card account

Thanks to community member(s) WandaVision & other SD Members for finding/contributing to this deal

Note, please check to see if your card offers this benefit, as not all cards is eligible

Some Qualifying American Express Card(s) (select the card below to read the full guide to benefits for Cell Phone Protection related to that card)
Good Deal?

Original Post

Written by
Edited April 27, 2021 at 09:16 AM by
Trolling my amex offer and saw that there is a new benefit for cell phone protection on my personal platinum card. ymmv

https://global.americanexpress.co...n/platinum
Add Comment
Created 04-04-2021 at 04:17 AM by IronManFan
If you purchase something through a post on our site, Slickdeals may get a small share of the sale.
Deal
Score
+183
189,528 Views
Free
These 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. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Your comment cannot be blank.

Featured Comments

Only the Platinum card. Also this is in-house cell phone insurance by Amex, Visa and Mastercard's cell phone insurance is administered 3rd party and they are a pain to deal with
To get coverage:
You must charge your monthly Eligible Cellular Wireless Telephone bill to your Eligible Card Account. You are eligible for coverage the first day of the calendar month following the payment of your Eligible Cellular Wireless Telephone bill using your Eligible Card Account. If you pay an Eligible Cellular Wireless Telephone bill with your Eligible Card Account and fail to pay a subsequent bill using your Eligible Card Account in a particular month, your coverage period changes as follows:
Seems to be AIG subsidiary, "Coverage is provided by New Hampshire Insurance Company, an AIG Company."

Sign up for a Slickdeals account to remove this ad.

Joined Jun 2019
L2: Beginner
> bubble2 1,969 Posts
435 Reputation
Fanime
04-04-2021 at 11:29 AM.
04-04-2021 at 11:29 AM.
Coverage is thru AIG and not AMEX, bummer.
4
Like
Funny
>
Helpful
Not helpful
Reply
Joined Jan 2010
L6: Expert
> bubble2 1,633 Posts
238 Reputation
TrevorK
04-04-2021 at 11:30 AM.
04-04-2021 at 11:30 AM.
They don't cover this: "Eligible Cellular Wireless Telephones that are lost or Mysterious Disappearance".. 8-]
3
Like
Funny
>
Helpful
Not helpful
Reply
Joined Oct 2011
L5: Journeyman
> bubble2 708 Posts
295 Reputation
Pro
tbone16
04-04-2021 at 12:04 PM.
04-04-2021 at 12:04 PM.
Quote from habby3814 :
Man, wonder if delta amex offers This?? Couldn't find anything on it
https://www.americanexpress.com/u...ction.html

According to this page delta amex platinum is eligible.
5
Like
Funny
>
Helpful
Not helpful
Reply
Joined Jun 2009
L2: Beginner
> bubble2 99 Posts
149 Reputation
blue_moon
04-04-2021 at 03:22 PM.
04-04-2021 at 03:22 PM.
REI MC covers the protection if you pay the bills using their CC. My S8 stopped working. I filed a claim using the quote Samsung provided. It was $479. Deduction is $50. I got $429. Originally I had only paid $375 on a brand new S8. laugh out loud
1
>
1
1
Like
Funny
>
Helpful
Not helpful
Reply
Joined Sep 2009
L10: Grand Master
> bubble2 15,099 Posts
4,262 Reputation
Knightshade
04-04-2021 at 03:48 PM.

Our community has rated this post as helpful. If you agree, why not thank Knightshade

04-04-2021 at 03:48 PM.
Tons of cards offer cell phone protection.

There's basically 3 issues that tend to vary between them:

1) How much they pay out for a claim... some max at like 600 per claim, some as high as $1000 per claim... (there's also usually an annual cap if you have more than 1 claim). How much this matters to you varies by how expensive a phone you carry.

2) The deductible per claim, which is usually $25, $50, or $100. Obviously lower is better, but again the coverage max tends to be a bit lower on lower deductibles too, so might not be best depending on your phone.

3) The opportunity cost of paying you bill with that card. For example the Ink Cash gives you 5x chase points... which most folks would consider "worth" on the very lowest end 7.5-10% cash back on your cell bill (higher - as high was maybe 25% cash back equivalent) for folks who make premium travel redemptions. Is it worth giving that up for the insurance on a card that might only be returning 1-2% cash back equivalent on the bill? Probably, but it's worth checking the #s for your specific situation.


(and of course if the card has a big annual fee, you'd be nuts to pay it for JUST this benefit since there's free cards that even with lower coverage would still be better in almost all cases... but if it's a card you are gonna pay the fee for ANYWAY that's another story).


Personally I put my cell bill on a Citi Prestige these days, as it's a premium card I was going to keep anyway for other benefits, and they offer the highest single-claim coverage ($1000, with deductible a reasonable $50) and I've got an expensive phone... but YMMV depending on your situation.
17
>
1
2
Like
Funny
>
Helpful
Not helpful
Reply
Joined Feb 2016
L3: Novice
> bubble2 110 Posts
34 Reputation
Ymyinfinity
04-04-2021 at 04:27 PM.
04-04-2021 at 04:27 PM.
Awesome! Thanks for the PSA. I'd been using my Uber Visa for cell phone protection, since that's about the only thing it was good for after they nerfed the cash back and turned the "cash" into uber reward points only.
3
Like
Funny
>
Helpful
Not helpful
Reply
Joined Aug 2007
L3: Novice
> bubble2 114 Posts
76 Reputation
grald
04-04-2021 at 04:35 PM.
04-04-2021 at 04:35 PM.
Quote from cpsmith1984 :
My bank offers a 600 dollar cellphone protection thing too. I guess it's getting pretty popular to pull people in.

also it says you have to pay your bill with it. you will lose your 10 dollar discount for auto pay won't you for using your credit card instead of bank account/debt?
For AT&T, I am doing auto pay on a CC and am still getting the 10 dollar discount. I'm not sure how other wireless companies do it.
1
Like
Funny
>
Helpful
Not helpful
Reply

Sign up for a Slickdeals account to remove this ad.

Joined Nov 2013
-
> bubble2 266 Posts
34 Reputation
PowerClerk
04-04-2021 at 04:47 PM.
04-04-2021 at 04:47 PM.
Quote from grald :
For AT&T, I am doing auto pay on a CC and am still getting the 10 dollar discount. I'm not sure how other wireless companies do it.

Verizon says you lose the $10 discount if you pay via CC, but I've never actually tried it.

Anybody with Verizon using a CC and still getting the $10 auto pay discount?
3
Like
Funny
>
Helpful
Not helpful
Reply
Joined Sep 2006
L6: Expert
> bubble2 1,766 Posts
511 Reputation
addtd2sd
04-04-2021 at 05:06 PM.
04-04-2021 at 05:06 PM.
Quote from TrevorK :
They don't cover this: "Eligible Cellular Wireless Telephones that are lost or Mysterious Disappearance".. 8-]
so lost phones are not covered?
Like
Funny
>
Helpful
Not helpful
Reply
Joined Sep 2003
L2: Beginner
> bubble2 32 Posts
10 Reputation
dodealer
04-04-2021 at 06:42 PM.
04-04-2021 at 06:42 PM.
Quote from habby3814 :
Man, wonder if delta amex offers This?? Couldn't find anything on it
I checked on the amex website, and this benefit is listed for delta amex platinum.
1
Like
Funny
>
Helpful
Not helpful
Reply
Joined Jul 2014
L4: Apprentice
> bubble2 415 Posts
40 Reputation
JoeJ7899
04-04-2021 at 06:42 PM.
04-04-2021 at 06:42 PM.
my chase card has this and have been using it. Now I can use American express. Chase also gives one year additional warranty on electronics too
1
Like
Funny
>
Helpful
Not helpful
Reply
Joined Oct 2013
L3: Novice
> bubble2 223 Posts
42 Reputation
JacobJ6301
04-04-2021 at 06:52 PM.
04-04-2021 at 06:52 PM.
Quote from cpsmith1984 :
My bank offers a 600 dollar cellphone protection thing too. I guess it's getting pretty popular to pull people in.

also it says you have to pay your bill with it. you will lose your 10 dollar discount for auto pay won't you for using your credit card instead of bank account/debt?

Should be fine most people use a credit/debit card for auto pay.
1
Like
Funny
>
Helpful
Not helpful
Reply
Joined Nov 2008
L4: Apprentice
> bubble2 322 Posts
154 Reputation
mydogisarobot
04-04-2021 at 07:06 PM.
04-04-2021 at 07:06 PM.
Quote from 2k2tii :
Verizon says you lose the $10 discount if you pay via CC, but I've never actually tried it.

Anybody with Verizon using a CC and still getting the $10 auto pay discount?
Not me. I use the REI MC for my cell phone bill to get the insurance. I was unable to get the autopay discount with the credit card, so I'm forfeiting the 10 bucks to get insurance.
Like
Funny
>
Helpful
Not helpful
Reply
Joined Oct 2020
New User
> bubble2 13 Posts
14 Reputation
Jock0mo
04-04-2021 at 07:17 PM.
04-04-2021 at 07:17 PM.
I cracked my screen on my XS Max last week. Paid to replace the screen as well. Could I still get reimbursed? I paid for an LCD but would like to get back to OLED….thank you!
Like
Funny
>
Helpful
Not helpful
Reply

Sign up for a Slickdeals account to remove this ad.

Joined Jan 2010
L6: Expert
> bubble2 1,633 Posts
238 Reputation
TrevorK
04-04-2021 at 07:22 PM.
04-04-2021 at 07:22 PM.
Quote from addtd2sd :
so lost phones are not covered?
I read this to mean AMEX will decide if the claim you are submitting is for a lost phone or a "lost" phone... Wink
Like
Funny
>
Helpful
Not helpful
Reply
Page 2 of 18
Start the Conversation
 
Link Copied

The link has been copied to the clipboard.