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

Free
(Valid for Select Cardholders/Cards)
+183 Deal Score
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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)

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
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Created 04-04-2021 at 04:17 AM by IronManFan
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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."

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Joined Dec 2014
Frugal Money Waster
> bubble2 5,699 Posts
1,243 Reputation
Vanquished
04-06-2021 at 09:06 AM.
04-06-2021 at 09:06 AM.
I do love Amex. The rental car coverage (full primary) for 13 bucks a rental period is the best deal ever.
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Joined Jun 2005
L6: Expert
> bubble2 1,416 Posts
497 Reputation
NYExcuse
04-06-2021 at 09:10 AM.
04-06-2021 at 09:10 AM.
Quote from dbbcooper :
not true i have wells
Well, then you're clearly uninformed about the benefits of their cards.

https://www.wellsfargo.com/credit...rotection/

https://www.cardbenefit.com/cellu...lls-fargo/
Reply
Joined Aug 2010
L7: Teacher
> bubble2 2,081 Posts
739 Reputation
jomeyq
04-06-2021 at 09:11 AM.
04-06-2021 at 09:11 AM.
Quote from cccheel :
How would they know who's phone you're referencing? You guys are too focused in the weeds
You have to be focused on the details when it comes to insurance plans. An insurance plan that isn't very specific about what is and isn't covered and to what extent is a worthless insurance plan.

In this specific case, the credit cards have specific card holders, and phone lines are attached to individual names as well. The fact that this insurance stipulates that the phone was purchased at an activating retailer means it may not even matter if you paid for the phone yourself if the name on the activation is not yours. So if you're paying for a family members phone and plan with your Amex, but that family member is not a card holder, it's not at all clear that that phone is covered.
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Joined Oct 2010
Live Free or Move
> bubble2 29,826 Posts
7,238 Reputation
Medic311
04-06-2021 at 09:11 AM.
04-06-2021 at 09:11 AM.
no luv4blue?
1
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Joined Oct 2010
Live Free or Move
> bubble2 29,826 Posts
7,238 Reputation
Medic311
04-06-2021 at 09:12 AM.
04-06-2021 at 09:12 AM.
Quote from Vanquished :
I do love Amex. The rental car coverage (full primary) for 13 bucks a rental period is the best deal ever.
that's awesome. is that benefit available for any card or just select cards? i have some of the Blue cards
1
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Joined Feb 2020
L2: Beginner
> bubble2 32 Posts
10 Reputation
Mgold1
04-06-2021 at 09:13 AM.
04-06-2021 at 09:13 AM.
Ink for business work well for us with cell insurance phone benefits coverage
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Joined Feb 2013
L10: Grand Master
> bubble2 9,658 Posts
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Hat-Trick
04-06-2021 at 09:14 AM.
04-06-2021 at 09:14 AM.
Quote from Shockg911 :
Clearly you have zero knowledge on the benefits and perks of the American Express Platinum
Actually I am very clear on them and have found that none of them pertain to me to make the $550 annual fee worthwhile.. But please let us know which ones you find beneficial for you and (apparently) everyone else that pays for itself.

I'm a 21 year AMEX customer and find my Gold card more beneficial with accumulation of points and many of the other benefits of Platinum at a far lower annual cost.
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Joined Feb 2006
L4: Apprentice
> bubble2 451 Posts
165 Reputation
sdflyer
04-06-2021 at 09:21 AM.
04-06-2021 at 09:21 AM.
Quote from dumars :
This is not a deal if you are with Verizon. $10 auto pay per line falls off if you use a CC which is 25-33% on each of my lines with that anount being taken off pre-tax.
If Verizon would add this benefit to the branded Visa they keep pushing, I'd sign up for that card....

Are you listening Verizon? Can you hear me now?
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Joined Nov 2016
L3: Novice
> bubble2 108 Posts
10 Reputation
msk2uonly
04-06-2021 at 09:24 AM.
04-06-2021 at 09:24 AM.
Quote from lejackyjack :
Agree. I've filed two claims with WF. Only difference is WF only covers up to 600 per claim, 2 per 12 month period.

Can you please provide details on what you claimed for? Was it repair or replacement?
Reply
Joined Oct 2006
L7: Teacher
> bubble2 2,009 Posts
105 Reputation
Blade107
04-06-2021 at 09:26 AM.
04-06-2021 at 09:26 AM.
Will the Chase Costco Card have this benefit?
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Joined Jun 2020
L3: Novice
> bubble2 209 Posts
294 Reputation
Cerawind
04-06-2021 at 09:30 AM.
04-06-2021 at 09:30 AM.
I love the platinum card, too. I won't repeat the obvious benefits plenty of other people have already mentioned, but in addition, don't forget the food and general household Amex offers - some Plat only, some not. They're not a big % off but if you're going to buy them anyways why not. Here's just a list of what I've taken advantage of YMMV:

(I'm just going off memory these numbers may not be exact)

$25 off $50 Sunbasket x2
$10 off $50 Imperfect Foods x3 (and for every additional card)
$20 off $100 Thrive Market
$5 off $15 Jersey Mike's
$5 off $15 Slice Pizza
$10 off $50 Gelson's
$50 off $100 Gold Belly (not great though - IMO everything is pricey)
$50 off $50 Home Chef x3
$50 off $250 Instacart plus free Instacart Express membership ($29 value)
$25 off $100 Daily Harvest
$15 off $50 Grove Collaborative

I also grabbed $7 off HBO Max x3 which also could be used with additional cardholders (no longer available)

EDIT: I mentioned additional cardholders because I have it, but the extra $175 cost for additional cardholders is not really a great value I would recommend. I only have it because my dad travels a lot and I share the lounge access.
1
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Last edited by Cerawind April 6, 2021 at 09:37 AM.
Joined Oct 2006
L7: Teacher
> bubble2 2,009 Posts
105 Reputation
Blade107
04-06-2021 at 09:31 AM.
04-06-2021 at 09:31 AM.
Quote from NYExcuse :
Well, then you're clearly uninformed about the benefits of their cards.

https://www.wellsfargo.com/credit...rotection/

https://www.cardbenefit.com/cellu...lls-fargo/
I have their Visa Platinum Debit card,, Would that offer this benefit?
Reply
Joined Jun 2008
L3: Novice
> bubble2 255 Posts
17 Reputation
sk72
04-06-2021 at 09:32 AM.
04-06-2021 at 09:32 AM.
AMEX Blue Cash is not eligible :-(
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Joined Jan 2016
L5: Journeyman
> bubble2 654 Posts
58 Reputation
xemi
04-06-2021 at 09:33 AM.
04-06-2021 at 09:33 AM.
They gonna get hurt by this for reals.

Tuzzy: Damn debo, I need a new phone....

Debo: Tuzzy, just drop that shiznit from my 3rd floor studio out here in the hood.

Tuzzy: Oh fo' reals, lemme use that amex benefit..

ddddhhhhrrrrropppppp, crack.
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Joined Aug 2014
L5: Journeyman
> bubble2 780 Posts
94 Reputation
rockchalk911
04-06-2021 at 09:37 AM.
04-06-2021 at 09:37 AM.
Quote from blue_moon :
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

I have this card and had no idea. I guess I just have to have partial or full payment on the card every month?
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