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

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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

The Platinum Card® from American Express
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  • Annual fee of $695* See more details about military protections for you and your spouse 
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership
  • Earn 5x points on airfare booked directly with airline or on up to $500,000 per calendar year
  • Earn 5x points on prepaid hotels at
  • $200 Annual Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. Note that The Hotel Collection requires a minimum two-night stay
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Disney+, a Disney Bundle, ESPN+, Hulu, Peacock, The New York Times, and The Wall Street Journal. Enrollment required.
  • $200 Uber Cash: Uber VIP status and up to $200 in Uber savings on Uber Eats and rides every year. Only available to the basic card member, Terms Apply
  • $200 Airline Fee Credit: Up to $200 in statement credits per calendar year in baggage fees and more at 1 qualifying airline
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • This is a MAJOR time saver–$100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®! Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Complimentary access to the American Express Global Lounge Collection® lets you visit more than 1,400 airport lounges across 140 countries and counting. You can love the lounge life with more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • Up to $100 annual Saks Fifth Avenue credit, enrollment required
  • No foreign transaction fees
  • The Platinum Card® from American Express – learn how to apply
  • Read my full review of the Amex Platinum card for military, terms apply

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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