Apr 17, 21, 3:59 pm
Last edit by: mia
TERMS: https://www.americanexpress.com/us/credit-cards/features-benefits/policies/cell-phone-protection.html
Amex USA (Centurion, Platinum, DL Reserve) Cell Phone Protection benefit added 4/1/21
Mar 1, 21, 7:55 am
#1
Original Poster
Join Date: Aug 2012
Location: Dreamland
Posts: 868
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).
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).
Mar 1, 21, 8:28 am
#2
Join Date: Aug 2002
Posts: 2,213
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.
Mar 1, 21, 9:19 am
#3
Join Date: Mar 2006
Posts: 106
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.
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.
Mar 1, 21, 9:43 am
#5
FlyerTalk Evangelist
Join Date: Dec 2006
Location: Pacific Northwest
Programs: UA 1MM, AS MVP, Bonvoyed Gold, Honors Dia, IHG Plat, ...
Posts: 12,924
Originally Posted by jeeden
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.
That said, I will still move my phone’s Fi charges to the Plat card. I don’t think I have a card where the spend earns significantly more than 1 MR per dollar.
Mar 1, 21, 11:21 am
#7
Join Date: Dec 2019
Posts: 213
Originally Posted by cab747
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.
Mar 1, 21, 11:25 am
#8
A FlyerTalk Posting Legend
Join Date: Feb 2001
Location: Berkeley, CA USA
Programs: Piggly Wiggly "Shop the Pig!" Preferred Shopper
Posts: 54,104
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.
"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.
Mar 1, 21, 11:34 am
#9
A FlyerTalk Posting Legend
Join Date: Feb 2001
Location: Berkeley, CA USA
Programs: Piggly Wiggly "Shop the Pig!" Preferred Shopper
Posts: 54,104
Originally Posted by levilevi
Cracked screen coverage with $50 deductible seems like the compelling reason to give up points (say, from a 5x or 3x card).
Mar 1, 21, 11:54 am
#10
Suspended
Join Date: Feb 2008
Posts: 836
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.
Likely not needed, but a nice perk for doing nothing accept paying your bill with the card.
Mar 1, 21, 12:06 pm
#11
Join Date: Jun 1999
Location: NYC/LA
Programs: AA Plat Pro, IHG Diamond Amb, Marriott Plat
Posts: 6,073
Originally Posted by dhuey
This is kinda funny: "What is NOT covered: . . . Eligible Cellular Wireless Telephones that are lost or Mysterious Disappearance"
Mar 1, 21, 12:18 pm
#12
A FlyerTalk Posting Legend
Join Date: Feb 2001
Location: Berkeley, CA USA
Programs: Piggly Wiggly "Shop the Pig!" Preferred Shopper
Posts: 54,104
Originally Posted by FriscoHeavy
Likely not needed, but a nice perk for doing nothing accept paying your bill with the card.
Mar 1, 21, 12:20 pm
#13
Join Date: Dec 2019
Posts: 96
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:
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...
Cosmetic damage (i.e. superficial abrasions or scuffs) to the Eligible Cellular Wireless Telephone or damage that does not impact the Eligible Cellular Wireless Telephone’s ability to make or receive phone calls;
Mar 1, 21, 12:21 pm
#14
Suspended
Join Date: Feb 2008
Posts: 836
Originally Posted by dhuey
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.
