American Express Adds Cell Phone Protection on their Premium Cards (Platinum, Delta)

American Express added a new cell phone protection benefit on their premium cards which begins on April 1, 2021. If you’ve been using your card to pay your cell phone bill and your phone gets stolen or damaged (including screen damage), AmEx will reimburse the repair or replacement costs of up to $800 per claim. Limit two claims per 12-month period. $50 deductible on each claim.

Direct Link | Benefit Terms (pdf) 

The following cards are eligible:

  • AmEx Platinum cards consumer and business versions (including Schwab, Morgan Stanley, etc. versions)
  • Platinum Delta SkyMiles cards consumer and business versions
  • Delta Reserve cards consumer and business versions
  • Centurion cards consumer and business versions

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.  See Credit Card Cell Phone Insurance Compared – Get $600 In Coverage For Free (hopefully William will add the AmEx benefit to that post soon).

This benefit works especially well on the Delta cards during 2021 since there are separate wireless credits of $15 or $20 on the Delta Platinum business and Delta Reserve business cards through December. Also works well on the business Platinum card which earns 5x on the wireless category through June 30, 2021.


American Express Platinum: $30 PayPal Credit Per Month Until June 30

Update 2/7/21: It looks like the credit hasn’t been reset for February. Hat tip to Travel In Points & /r/amex

Last year American Express announced consumer Platinum cardholders would receive a monthly $20 streaming and $20 wireless mobile credit from May 1 until December 31, 2020. It looks like American Express has now replaced this with a $30 PayPal credit. There is no need to enroll for this offer, you just need to add your Platinum card to your PayPal wallet and then select this card when paying with PayPal. The credit is valid from January 1 until June 30, 2021.

Gift cards are excluded as per the fine print (‘Eligible purchases do not include fees or interest charges, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments including those for goods and services, or purchases of other cash equivalents’). This should be a relatively easy credit for most people to use, although it’s $10 less per month than the previous two $20 credits. This might have also been the cause of American Express no longer working on PPK.


  • What happens when you make multiple purchases under $30?