Amex Cell Phone Protection Plan | $1600 Annual Insurance For Your iPhone

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The Amex Gold card is annual fee waived for military. It's even better than the Amex Platinum for everyday spending on dining and groceries.

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American Express added cell phone protection to 12 of their premium cards, including the Amex Platinum card. The Amex cell phone protection covers any phone on your cell phone plan that you charge to the card. Benefits, starting 1 April 2021, include:

How does the Amex cell phone protection plan work?

  • If your phone gets stolen or damaged, including a cracked screen, you can be reimbursed for the repair or replacement costs (lost phones are not covered)
  • The coverage is good for up to two approved claims per 12 month period, up to $800 per claim, or $1600 total
  • $50 deductible per claim
  • The cell phone claimed needs to be listed on the wireless bill you pay with the Amex card
Military SCRA MLA AMEX Platinum
  • American Express Platinum Card – learn how to apply
  • Annual fee of $550 waived for US military personnel and spouses
  • 75,000 Membership Reward Points welcome bonus (valued at $1500) when you spend $5000 in the first 6 months
  • 10x points at US Gas Stations and US Supermarkets (OCONUS Commissaries are US supermarkets) up to $15,000 in combined purchases for the first 6 months (an extra 150,000 points potentially!)
  • 5x points on airfare booked directly with airline or on
  • 5x points on prepaid hotels at
  • $200 annual Uber or UberEats credit (free taxi or food) + VIP Uber Status
  • $100 annual Saks Fifth Avenue credit, can be used for gift cards
  • Centurion and Priority Pass airport lounge access for free + guest
  • No foreign transaction fees
  • Heavy metal card that looks and feels really cool
  • Read my full review of the Amex Platinum card for military

Which Amex cards have cell phone insurance?

American Express added the new cell phone insurance benefits to these cards:

Which credit card should you use for cell phone protection?

Personally I am probably going to switch my cell phone plan to the Amex Platinum card. While this card only gives you 1x points on cell phone purchases, the coverage of $1600 seems to be worth it.

If you don't break your phone very often, then it might make more sense to leave your cell phone on another card, like the Chase Ink Business Cash. This Chase card offers 5x points on cell phone spending and pays out as Ultimate Reward points, so you can really earn 7.5 cents per dollar spent, depending on how much you value Chase UR points.

Amex Cell Phone Insurance FAQ

Does American Express offer cell phone protection?

Yes, as of 1 April 2021, Amex is offering cell phone protection on 12 of their premium credit cards. The most popular Amex cards with cell phone protection are the Amex Platinum, Amex Delta SkyMiles Reserve, and Amex Delta SkyMiles Platinum card. The Amex Business Platinum also has insurance.

Does Amex cell phone insurance cover iPhones?

Yes, Amex cell phone insurance covers any phone on your cell phone bill that you pay with your Amex card. For instance, if you have Verizon and an iPhone and pay the Verizon bill with your Amex Platinum card, your iPhone will be covered up to two, $800 claims per year with a $50 deductible on each claim.

Does Amex Gold have cell phone protection?

No, Amex Gold does not have cell phone protection. The Amex Gold card is a great card, but it does not have cell phone insurance like the Amex Platinum does. You can compare the Amex Gold vs Amex Platinum here.

Does Amex cell phone protection cover lost phones?

No, the Amex cell phone protection terms and conditions specifically do not cover lost phones or phones that “mysteriously disappear.” The insurance does cover damage or theft.

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