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

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(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)
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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
in Cell Phone Plans & Services (6) See More Amex Offers
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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.

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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
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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:
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Seems to be AIG subsidiary, "Coverage is provided by New Hampshire Insurance Company, an AIG Company."
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Joined Sep 2007
L4: Apprentice
> bubble2 345 Posts
63 Reputation
Richpocket
04-06-2021 at 10:34 PM.
04-06-2021 at 10:34 PM.
Is this for postpaid accounts only? What if I use prepaid like Mint?
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Joined Dec 2019
L2: Beginner
> bubble2 47 Posts
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WisePicture2668
04-07-2021 at 12:07 AM.
04-07-2021 at 12:07 AM.
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?
You lose it, and quickly in my experience. I had to ask for the charge to be taken off of my next bill. The plan I have now doesn't give me a discount for bank draft so I use my Wells Fargo signature card (that has cell protection)to pay my bill now.
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Last edited by WisePicture2668 April 7, 2021 at 12:11 AM.
Joined Aug 2015
L4: Apprentice
> bubble2 473 Posts
57 Reputation
Sinbios
04-07-2021 at 02:14 AM.
04-07-2021 at 02:14 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

How do you get a quote from Samsung?
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Joined Oct 2006
L8: Grand Teacher
> bubble2 3,460 Posts
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waterfront
04-07-2021 at 04:48 AM.
04-07-2021 at 04:48 AM.
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?
Verizon is a fraud, it is easy for them to withdraw from your bank account even after you disconnect their service ! So they entice you with small discount. Like someone said get a credit card with protection and let go the discount or Verizon.
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Joined Jun 2009
L2: Beginner
> bubble2 99 Posts
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blue_moon
04-07-2021 at 08:30 AM.
04-07-2021 at 08:30 AM.
Quote from Sinbios :
How do you get a quote from Samsung?
If your phone doesn't work, bring it to them for estimated cost of repairs.
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Joined Nov 2018
New User
> bubble2 5 Posts
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EricM4383
04-07-2021 at 08:36 AM.
04-07-2021 at 08:36 AM.
Something to consider is that some carriers are shifting towards new AutoPay/eBilling discount restrictions. Verizon doesn't give an AutoPay discount (which can be $10 per line per month on some plans) if paid with a credit card. May not be worth it depending on how much insurance would've cost.
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Joined Nov 2014
L2: Beginner
> bubble2 41 Posts
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parkerthon
04-07-2021 at 08:41 AM.
04-07-2021 at 08:41 AM.
Chase Ink cards offer 5x UR points on cell bills(worth 7.5% cashback reimbursement if you have a Sapphire Preferred to xfer pts to). Unless you have a small cell bill and expensive phone, seems hard to justify switching to an Amex card that earns ~1% cashback on this spend.
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Joined Nov 2020
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larzmac
04-07-2021 at 08:43 AM.
04-07-2021 at 08:43 AM.
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?

Yes. Our two lines are getting the $10 discount and paying with CC.
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Joined Dec 2008
L2: Beginner
> bubble2 61 Posts
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thefudd
04-07-2021 at 08:44 AM.
04-07-2021 at 08:44 AM.
Wells fargo also offers this perk. I destroyed my phone and had a shop state they couldn't repair it. I had a check in hand for $600 a few days later. I only paid 300 for the phone. It's free as long as you pay your bill with the Wells fargo card, doesn't matter where you bought your phone.
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Last edited by thefudd April 7, 2021 at 08:45 AM.
Joined Jan 2010
L5: Journeyman
> bubble2 674 Posts
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aneftp
04-07-2021 at 08:46 AM.
04-07-2021 at 08:46 AM.
I have att post paid. They require bank draft for the extra discounts auto pay. But I always use my credit card to pay before the bank checking auto draft takes place. That has always worked for me the past 4 years with their newer plans that require auto bank draft.
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Joined Nov 2014
L2: Beginner
> bubble2 41 Posts
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parkerthon
04-07-2021 at 08:55 AM.
04-07-2021 at 08:55 AM.
Quote from Vorter :
If for some reason you can't/don't want to use a credit card, the Betterment checking debit card also has cell phone insurance.

I also have my phone (and laptop) as an add-on to my homeowner's policy for like $10/year just in case. Had a Macbook Pro I accidentally shattered on a trip replaced with full cash value.
Use homeowners insurance at your peril. Formal property insurance is a racket. It's only good for protecting against catastrophic loss. In my family's experience, every claim big and small they squeeze back out of your with increased premiums over the 7 years following a claim while it is sitting on your CLUE report. These card programs don't file anything on CLUE if you make a claim, so that's nice.
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Joined Jun 2014
L4: Apprentice
> bubble2 367 Posts
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ualflyer
04-07-2021 at 08:56 AM.
04-07-2021 at 08:56 AM.
Quote from jmhammond :
Not the op, but after his post, I called my homeowner's insurance company ('Progressive Home'/Homesite) and added what they call "Special Computer Coverage" that covers loss of use from theft, vandalism, even accidents like liquid spills and drops. It added just under $14 to my annual premium.

It's an additional coverage separate from personal property.

Remember, however, that taking advantage of this coverage requires you to make a claim on your homeowners policy. Even if it's an expensive phone or a laptop, you generally wouldn't want to make a homeowners insurance claim like that.
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Joined Apr 2018
New User
> bubble2 2 Posts
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CaraB4666
04-07-2021 at 08:58 AM.
04-07-2021 at 08:58 AM.
Quote from batman1978 :
Doesnt one of the chase cards also do this?

Yes the business ink card
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Joined Sep 2008
L2: Beginner
> bubble2 27 Posts
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bagspacked
04-07-2021 at 08:58 AM.
04-07-2021 at 08:58 AM.
This is cool except that Verizon effectively blocks you from paying your bill on an amex due to it negating their "autopay discount"
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Joined Nov 2007
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> bubble2 449 Posts
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joder
04-07-2021 at 10:15 AM.
04-07-2021 at 10:15 AM.
Quote from aneftp :
I have att post paid. They require bank draft for the extra discounts auto pay. But I always use my credit card to pay before the bank checking auto draft takes place. That has always worked for me the past 4 years with their newer plans that require auto bank draft.
I'm guessing you don't get the auto draft discount though?
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