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

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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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almed33 asked this question on 04-07-2021 at 02:50 PM
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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#16
Coverage is thru AIG and not AMEX, bummer.
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#17
They don't cover this: "Eligible Cellular Wireless Telephones that are lost or Mysterious Disappearance".. 8-]
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#18
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.
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#19
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
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#20
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.
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#21
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.
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#22
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.
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#23
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?
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#24
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?
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#25
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.
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#26
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
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#27
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.
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#28
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.
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#29
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!
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#30
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
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