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Amex Cell Coverage Platinum, Delta, Centurion

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K-in-Boston
Credit Mentor

Amex Cell Coverage Platinum, Delta, Centurion

https://www.americanexpress.com/us/credit-cards/features-benefits/policies/cell-phone-protection.htm...

Got an email from Amex on Business Platinum that cell phone coverage is being added next month.  Looks like it will be for all Centurion, Platinum, Delta Reserve, and Delta Platinum cards - personal and business, including brokerage cobranded Platinum cards.

Message 1 of 14
13 REPLIES 13
K-in-Boston
Credit Mentor

Re: Amex Cell Coverage Platinum, Delta, Centurion

Scooped by DoC by 11 minutes.  😂

 

https://www.doctorofcredit.com/american-express-adds-cell-phone-protection-on-their-premium-cards-pl...

 

"When comparing it to other cell phone credit card benefits, the $800 is higher than the standard $600 limit found on most cards, though lower than the $1,000 Citi Prestige benefit."

Message 2 of 14
longtimelurker
Epic Contributor

Re: Amex Cell Coverage Platinum, Delta, Centurion


@K-in-Boston wrote:

Scooped by DoC by 11 minutes.  😂

 

https://www.doctorofcredit.com/american-express-adds-cell-phone-protection-on-their-premium-cards-pl...

 

"When comparing it to other cell phone credit card benefits, the $800 is higher than the standard $600 limit found on most cards, though lower than the $1,000 Citi Prestige benefit."


Don't world elites (that offer it that is) also have $800?   My REI card has that.

Message 3 of 14
K-in-Boston
Credit Mentor

Re: Amex Cell Coverage Platinum, Delta, Centurion

Visa Signature, Visa Infinite, World MasterCard, and World Elite MasterCard benefits always depend on what an individual card issuer actually offers for their card.  But yes, your REI card does have $800.  The quote was from the DoC article.

 

https://www.reimastercard.com/credit/cellProtection.do

Message 4 of 14
longtimelurker
Epic Contributor

Re: Amex Cell Coverage Platinum, Delta, Centurion


@K-in-Boston wrote:

Visa Signature, Visa Infinite, World MasterCard, and World Elite MasterCard benefits always depend on what an individual card issuer actually offers for their card.  But yes, your REI card does have $800.  The quote was from the DoC article.

 

https://www.reimastercard.com/credit/cellProtection.do


Yes, just pointing out that DoC isn't quite right!   The linked article from DoC (table of cards offering protection) is very out of date as shown in the comments (including someone pointing at the REI card today!)

Message 5 of 14
wasCB14
Super Contributor

Re: Amex Cell Coverage Platinum, Delta, Centurion

No coverage for lost phones.

 

No coverage for "damage that does not impact the Eligible Cellular Wireless Telephone’s ability to make or receive phone calls" (e.g. certain cracked screens).

 

Maybe they'll be more flexible in practice, but this has the same major limitations of most CC phone benefits.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 6 of 14
longtimelurker
Epic Contributor

Re: Amex Cell Coverage Platinum, Delta, Centurion


@wasCB14 wrote:

No coverage for lost phones.

 

No coverage for "damage that does not impact the Eligible Cellular Wireless Telephone’s ability to make or receive phone calls" (e.g. certain cracked screens).

 

Maybe they'll be more flexible in practice, but this has the same major limitations of most CC phone benefits.


Looks like both Amex and Mastercard have the same issuer, New Hampshire Insurance Company, an AIG company

Message 7 of 14
Curious_George2
Valued Contributor

Re: Amex Cell Coverage Platinum, Delta, Centurion

This is the second month in a row Amex has announced new benefits for a subset of cards on the first day of the month. In February, it was the co-brand credits. 

Would be great if the monthly buffs continue, but the size and scope are smaller this month, so maybe they're done. 

Message 8 of 14
PDXoriginal
Regular Contributor

Re: Amex Cell Coverage Platinum, Delta, Centurion

$800 coverage is included on the no fee world elite Chase Freedom Elite card...

Message 9 of 14
digitek
Established Contributor

Re: Amex Cell Coverage Platinum, Delta, Centurion

Thanks for the heads up K, this is some good timing. The Delta Platinum Business just got a $15/month credit for paying your cell phone bill. Now you can also get cell phone coverage along with the credit.

 

I've only ever seen two companies provide the Cell Phone insurance benefit. One is this AIG company that Amex is now using which is also used by Mastercard and the other is Asurion that is on Visa cards. The two policies read almost exactly the same with the same stuff being excluded, just limits/deductibles are different depending on the card.

 

Asurion bought the cell phone repair chain store UbreakIfix in 2019 so they insure the phone and also perform the repair service through a subsidiary for all the Visa cards.

 

There are some differences from normal phone insurance plans that cost ~$9/month. Those are usually primary insurance and they will cover stuff like disappearance and say something about providing a new/equal phone when making a claim. So the ones provided by credit cards are pretty basic whereas provider plans are usually better coverage with guarantees for providing a working phone.

Message 10 of 14
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