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Amex USA (Centurion, Platinum, DL Reserve) Cell Phone Protection benefit added 4/1/21

Amex USA (Centurion, Platinum, DL Reserve) Cell Phone Protection benefit added 4/1/21

Old Mar 1, 21, 7:55 am
  #1  
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Amex USA (Centurion, Platinum, DL Reserve) Cell Phone Protection benefit added 4/1/21

https://www.americanexpress.com/us/c...rotection.html
Picked up by blogs this morning, I'm seeing.
Platinum (personal and personal flavors)
Biz Platinum
Delta Platinum Personal and Biz
Delta Reserve Personal and Biz

Terms say you need to have the cell phone line on a bill paid for on the card the month prior (so I assume paying in March would get you covered for 4/1 start date).
Cracked screen coverage with $50 deductible seems like the compelling reason to give up points (say, from a 5x or 3x card).
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Old Mar 1, 21, 8:28 am
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Iím currently using the IHG Premier only to pay for my cell phone service each month. Thatís 1x points, but value 1x Amex more, and will switch to my Platinum card. From what I can see, the benefits between both cards are the same in terms of cell phone insurance. Makes me more confident to pass on Apple care with my new 12 pro max.
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Old Mar 1, 21, 9:19 am
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Great benefit here. If you consider even the cheapest cell phone insurance plans out there with higher deductibles I think you are REALLY offsetting the AF for the cards and this is just the cherry on top for me justifying to keep the Personal Platinum.

I can see some on verizon not liking they loose the discount verizon gives for autopay from a checking account (something I never switched to), but more than worth it I think.
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Old Mar 1, 21, 9:29 am
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Would this work for pre-paid plans? I've heard that pre-paid plans don't work but never seen any first hand experiences.
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Old Mar 1, 21, 9:43 am
  #5  
 
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Originally Posted by jeeden View Post
Great benefit here. If you consider even the cheapest cell phone insurance plans out there with higher deductibles I think you are REALLY offsetting the AF for the cards and this is just the cherry on top for me justifying to keep the Personal Platinum.
I have never paid or considered paying for a cell phone insurance plan, and In 25 years of cellphone usage I have never lost or broken a cellphone. So for me this isnít really a benefit I expect to use.

That said, I will still move my phoneís Fi charges to the Plat card. I donít think I have a card where the spend earns significantly more than 1 MR per dollar.
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Old Mar 1, 21, 11:09 am
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Do you need to put the entire bill on the AMEX, or just a portion?
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Old Mar 1, 21, 11:21 am
  #7  
 
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Originally Posted by cab747 View Post
I’m currently using the IHG Premier only to pay for my cell phone service each month. That’s 1x points, but value 1x Amex more, and will switch to my Platinum card. From what I can see, the benefits between both cards are the same in terms of cell phone insurance. Makes me more confident to pass on Apple care with my new 12 pro max.
How hard is the claim process when it's made through a credit card company vice the cell phone company? I've have to use the Verizon insurance a few times and it has resulted in a new phone within a day or two. But if you only had credit card coverage does one just purchase the phone on their own and send in the receipt? How do you prove that your original (now broken) phone was defective? I assume you take it to a repair shop first and get an estimate?
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Old Mar 1, 21, 11:25 am
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This is kinda funny: "What is NOT covered: . . . Eligible Cellular Wireless Telephones that are lost or Mysterious Disappearance"

"Mysterious Disappearance means the vanishing of an item in an unexplained manner where there is absence of evidence of a
wrongful act by a person or persons."

Call it the X-Files exclusion.
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Old Mar 1, 21, 11:34 am
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Originally Posted by levilevi View Post
Cracked screen coverage with $50 deductible seems like the compelling reason to give up points (say, from a 5x or 3x card).
Cracked screen coverage is a pretty marginal benefit for me, give how the cost of repair for that where I am is around $70-80. Not sure the paperwork would be worth my time, given the $50 deductible.
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Old Mar 1, 21, 11:54 am
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I'm currently paid up about 3 months ahead of time on cell phone bill (currently have a $300 credit balance). However, I just changed autopay over to my Amex Platinum for bills/payments going forward.

Likely not needed, but a nice perk for doing nothing accept paying your bill with the card.
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Old Mar 1, 21, 12:06 pm
  #11  
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Originally Posted by dhuey View Post
This is kinda funny: "What is NOT covered: . . . Eligible Cellular Wireless Telephones that are lost or Mysterious Disappearance"
I believe this is pretty much in line with the Mastercard coverage, but it basically means what is covered is (i) theft, (ii) cracked screens and (iii) if you drop it in water and the phone gets damaged (less likely these days for many phones if you're able to retrieve it quickly).
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Old Mar 1, 21, 12:18 pm
  #12  
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Originally Posted by FriscoHeavy View Post
Likely not needed, but a nice perk for doing nothing accept paying your bill with the card.
Except when you consider the opportunity cost for those of us who have 5x points for wireless bills (Chase Ink for me). This would mean giving up 4 UR points per dollar for me (net: lose 5 UR points and gain 1 MR point). I've got the whole family on the Verizon account, which is around $200/mo. I value the 4x lost points at about 6 cents, so for me this coverage would effectively cost about $12/month. Given the $50 deductible, I'll pass.
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Old Mar 1, 21, 12:20 pm
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A bunch of blogs have been saying this covers cracked screens - but the actual terms (https://www.americanexpress.com/cont...o_Benefits.pdf) seem to specifically exclude this:

Cosmetic damage (i.e. superficial abrasions or scuffs) to the Eligible Cellular Wireless Telephone or damage that does not impact the Eligible Cellular Wireless Telephoneís ability to make or receive phone calls;
Not sure what to think there...I mean, the terms seem pretty clear, but the blogs have almost all said cracked screens were specifically mentioned by Amex. What's not clear is exactly where Amex might have said that...
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Old Mar 1, 21, 12:21 pm
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Originally Posted by dhuey View Post
Except when you consider the opportunity cost for those of us who have 5x points for wireless bills (Chase Ink for me). This would mean giving up 4 UR points per dollar for me. I've got the whole family on the Verizon account, which is around $200/mo. I value the 4x lost points at about 6 cents, so for me this coverage would effectively cost about $12/month. Given the $50 deductible, I'll pass.
I get where you are coming from and don't blame you given the math you laid out. I'm simple though. I don't have 28 cards and try to determine categories and such. I use 1 card for all expenses and keep 1 backup card that I occasionally buy a coke on to keep active. I'll do a sign up bonus maybe twice a year, get the points and cancel the card. I value simplicity in my life.
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Old Mar 1, 21, 12:25 pm
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family accounts

Are all phones on a family account covered or is it just the Amex Platinum cardholder?
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