Amex Cell Phone Protection – How It Works & Which Premium Cards Have It

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Table of Contents

• Overview
• How Amex Cell Phone Protection Works
• How To File a Claim with Amex
• Amex Personal Cards With Cell Phone Protection
• Amex Business Cards With Cell Phone Protection
• Additional Amex Protection for Cell Phones
• Final Thoughts

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Key Takeaways

• Amex cardholders can benefit from cell phone protection by using their eligible Amex card to pay their monthly phone bill, offering coverage for theft or damage up to $800 per claim.
• Coverage includes damage from accidental drops and cracked screens with a maximum of 2 claims per year and a $50 deductible per claim.
• Coverage does not include things such as lost cell phones, cosmetic damage, or normal wear and tear.

According to the Pew Research Center, 97% of the U.S. population owns a cell phone and 85% own a smartphone. Purchasing a mobile phone can also be a major expense, so having coverage if you accidentally damage your phone or have it stolen could provide a welcome economic benefit.

Several credit cards come with complimentary cell phone protection, including American Express, one of the world’s largest card issuers. While coverage is reserved for its more premium cards, you’ll still find over a dozen cards that offer the coverage.

Today we’re going to look closely at how Amex cell phone protection works, how to activate and utilize the coverage, and which Amex cards offer this complementary protection.

Overview

Before we get into the details of how Amex cell phone protection works and look at specific card options, here’s an overview of which cards have the protection. Each card has coverage of $800 per claim with a limit of 2 claims per card account each 12-month period, and a $50 deductible applied to each claim

Amex Personal Cards That Offer Cell Phone Protection

Amex Business Cards That Offer Cell Phone Protection

• The American Express Platinum Card ® Exclusively for Schwab*
• Centurion Card ® from American Express*
• Delta SkyMiles ® Platinum American Express Card
• Delta SkyMiles ® Reserve American Express Card
• Marriott Bonvoy Brilliant ® American Express ® Card
• The Platinum Card ® from American Express
• The Platinum Card ® from American Express Exclusively for Ameriprise Financial*
• The Platinum Card ® from American Express Exclusively for Goldman Sachs*
• The Platinum Card ® from American Express Exclusively for Morgan Stanley*

• American Express ® Business Gold Card
• Business Centurion ® Card from American Express*
• The Business Platinum Card ® from American Express
• The Corporate Centurion ® Card from American Express*
• Corporate Platinum Card ® *
• Delta SkyMiles ® Platinum Business American Express Card
• Delta SkyMiles ® Reserve Business American Express Card

* All information about these cards has been collected independently by Upgraded Points.

Bottom Line: You’ll find complimentary Amex cell phone protection coverage on over a dozen premium American Express cards. As mentioned in the section above, you may receive up to $800 per claim, and each claim is subject to a $50 deductible. There’s a limit of 2 claims per eligible card account in each 12-month period.

How Amex Cell Phone Protection Works

While cell phone protection is automatically included on your eligible card, some requirements must be met before coverage kicks in; only certain losses are covered, and specific exclusions apply.

How To Activate the Coverage

To receive coverage, you must meet certain requirements. Here’s how coverage activation is triggered and how you receive ongoing coverage:

1. Charge your monthly cell phone bill to your eligible card
2. Coverage begins on the first day of the month following the initial cell phone bill payment made with your card

If you do not pay your cell phone bill in any given month, your coverage is suspended effective the first day of the following month. Your coverage will be reinstated on the first day of the month following any subsequent cell phone bill payment.

Eligible cell phones include those associated with the primary phone line of the cardmember and any additional or supplemental lines listed on the monthly bill and paid for with the eligible card.

Also, based on our conversation with Amex, authorized users are eligible for the cell phone protection benefit.

What’s Covered

You’ll have coverage for the following losses:

• Theft of the Cell Phone — A police report must be filed within 48 hours
• Damage to the Cell Phone — Accidental damage is included, and Amex does clarify specifically that a cracked screen is covered

You can expect to receive reimbursement for the cost to repair or replace a stolen or damaged eligible cell phone up to the coverage limits.

Cell Phone Coverage Limits

You may receive up to $800 per claim. Each claim is subject to a $50 deductible, with a limit of 2 claims per eligible card account in each 12-month period.

What’s Not Covered

As with all insurance, there are exclusions to coverage. Here is an overview of the list of losses that won’t be covered under Amex’s cell phone protection:

• Cellular wireless accessories, except for the manufacturer’s battery and antenna
• Cellular wireless telephones that are for resale, professional, or commercial use (consumer cards only)
• Lost cell phones or mysterious disappearance
• Cell phones that are under the control of a common carrier, such as an airline or delivery service
• Rented, leased, prepaid, or borrowed cell phones
• Cosmetic damage that does not impair the phone’s ability to make or receive calls
• Intentional or illegal acts, normal wear and tear, vermin damage, or confiscation
• Replacement cell phones purchased from other than the cellular provider’s retail/internet store or designated agent having the authorization to activate the phone
• Losses under warranty or covered by other insurance
• Taxes and delivery/transportation fees

Remember that this list of exclusions is abbreviated, and some additional terms and conditions will apply. You can find complete descriptions in your card’s specific guide to benefits.

Bottom Line: To activate Amex cell phone protection, you must pay your monthly wireless bill with your eligible card. The coverage begins the first day of the month after you pay your first wireless bill. Coverage is up to $800 per claim for damage and theft, a maximum of 2 claims per 12-month period, and each claim has a $50 deductible. Terms and conditions apply.

How To File a Claim with Amex

If you have a covered loss, you’ll need to report the claim as soon as possible, gather and submit supporting documentation, and meet certain deadlines for your claim to be handled effectively.

The first step is to report the claim by calling 833-784-1467 as soon as possible, but no later than 90 days after the incident. You will then be provided the needed forms to submit for your claim to be processed.

You could be asked to submit the following:

• A copy of your card statement showing that the payment for your cell phone bill was paid for the previous month with your eligible card
• A copy of your cell phone provider’s bill
• Copy of your receipt for the purchase of your cell phone or other documentation that links the phone number on the bill to your phone
• A copy of any other insurance that would apply, a copy of a claim report from your home or auto insurance, or declaration pages showing policy deductibles
• If the claim is for theft, you will need to submit the police report
• For a damage claim, a repair estimate and photos of the damage
• Any other requested supporting documentation

You will have 120 days from the date of loss to submit the required information.

Amex Personal Cards With Cell Phone Protection

Amex offers cell phone protection on its most premium cards. Let’s look at our favorite personal consumer cards that offer this complimentary coverage.

The Platinum Card ® from American Express

BEST LOUNGE ACCESS

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More (at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Earn 80,000 Membership Rewards ® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges,Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com

• $695 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

• 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. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings through American Express Travel using your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card ® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $199 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 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.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.¤
• Terms Apply.

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Cell phone protection is just one additional and useful benefit added to the long list of premium travel benefits and protections that come with the Amex Platinum card. With worldwide lounge access, hundreds of dollars in statement credits, and good-value flexible redemption options, it’s no wonder the card retains its popularity year after year.

Delta SkyMiles ® Reserve American Express Card

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.

Learn More (at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.

Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

The Delta SkyMiles ® Reserve American Express Card is a stellar option for frequent travelers who always fly with Delta thanks to its MQD Headstart towards status boost, lounge access, annual companion certificate, and many other great benefits.

Here is a full look at everything the Delta Reserve card can offer to you to help you decide whether the card deserves a place in your wallet.

• 3x SkyMiles per $1 on Delta purchases
• 1x SkyMile per $1 on all other eligible purchases
• Card Members get 15% off when using miles to book Award Travel on Delta flights.

• $650 annual fee (rates & fees)
• No bonus categories other than Delta purchases

• Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
• Enjoy complimentary access to the Delta Sky Club. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits at a per-Visit rate of $50 per person using the Card.
• Receive four Delta Sky Club ® One-Time Guest Passes each year when you fly Delta so you can share the experience with family and friends.
• Enjoy complimentary access to The Centurion ® Lounge when you book a Delta flight with your Reserve Card.
• Receive $2,500 Medallion ® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
• Earn $1 Medallion ® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles ® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
• Receive a Companion Certificate on First Class, Delta Comfort+ ® , or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• $240 Resy Credit: When you use your Delta SkyMiles ® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
• $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles ® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
• Delta SkyMiles ® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
• Delta SkyMiles ® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
• Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
• No Foreign Transaction Fees.
• $650 Annual Fee.
• Terms Apply.

• APR: 20.99%-29.99% Variable
• Foreign Transaction Fees: None

Frequent flyers of Delta Air Lines who value lounge access, a faster path to Medallion elite status, Delta-centric benefits, and a first class companion ticket each year will find value with the Delta Reserve card.

Delta SkyMiles ® Platinum American Express Card

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Frequent Delta travelers will enjoy this card's bonus categories, benefits, and ability to reach higher levels of elite status.

Learn More (at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Frequent Delta travelers will enjoy this card's bonus categories, benefits, and ability to reach higher levels of elite status.

Earn 50,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

The Delta SkyMiles ® Platinum American Express Card can be a great option for those seeking additional ways to obtain a higher level of status — or to maintain their current status — with the airline.

A key feature of this card is the ability to earn bonus Medallion Qualification Dollars (MQDs) that are essential for earning Delta status. This could help you get closer to earning a handful of valuable benefits with the airline.

• 3x SkyMiles per $1 spent on Delta purchases
• 3x SkyMiles per $1 spent on purchases made directly with hotels
• 2x SkyMiles per $1 spent at restaurants (including takeout and delivery) and U.S. supermarkets

• $350 annual fee (rates & fees)
• Does not earn transferable rewards

• Earn 50,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
• Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• Receive $2,500 Medallion ® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
• Delta SkyMiles ® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Earn $1 Medallion ® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles ® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
• Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
• Earn 1X Miles on all other eligible purchases.
• $120 Resy Credit: When you use your enrolled Delta SkyMiles ® Platinum American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $10 each month in statement credits.
• $120 Rideshare Credit: earn up to $10 in statement credits each month after using your Delta SkyMiles ® Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required.
• Enjoy your first checked bag free on Delta flights.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles ® Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Delta SkyMiles ® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• No Foreign Transaction Fees.
• $350 Annual Fee.
• Terms Apply.

• APR: 20.99%-29.99% Variable
• Foreign Transaction Fees: None

The Delta Platinum card also offers a shortcut to elite status when spending on the card, priority boarding and security, a free checked bag, and an annual companion ticket for just the cost of taxes/fees.

Learn more in our overview of the best Amex Delta credit cards.

Marriott Bonvoy Brilliant ® American Express ® Card

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

Learn More (at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

Earn 185,000 Marriott Bonvoy ® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

The Marriott Bonvoy Brilliant ® American Express ® Card is a premium card designed with road warriors and Marriott Bonvoy loyalists in mind.

So is the card a worthwhile addition to your wallet?

• 6x points per $1 at hotels participating in Marriott Bonvoy program
• 3x points per $1 on flights booked directly with airlines and restaurants worldwide
• 2x points per $1 on all other purchases

• Steep annual fee of $650 (rates & fees)
• 6x points per $1 is the same earn rate offered with lower annual fee alternatives like the Marriott Bonvoy Bevy™ American Express ® Card

• Earn 185,000 Marriott Bonvoy ® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
• $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant ® American Express ® Card at restaurants worldwide.
• With Marriott Bonvoy Brilliant ® American Express ® Card Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
• Earn 6X Marriott Bonvoy ® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy ® . Earn 3X Marriott Bonvoy ® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy ® points on all other eligible purchases made on the Marriott Bonvoy Brilliant ® American Express ® Card.
• Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy ® . Certain hotels have resort fees.
• Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant ® American Express ® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
• $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton ® or St. Regis ® when you book direct using a special rate for a two-night minimum stay using your Card.
• Fee Credit for Global Entry or TSA PreCheck ® : Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck ® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant ® American Express ® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Each calendar year with your Marriott Bonvoy Brilliant ® American Express ® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy ® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
• Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
• No Foreign Transaction Fees on international purchases.
• With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• $650 Annual Fee.
• Terms Apply.

• APR: 20.99%-29.99% Variable
• Foreign Transaction Fees: None

The Marriott Bonvoy Brilliant card comes with statement credits for Marriott purchases, a Priority Pass Select membership for worldwide airport lounge access upon enrollment, a valuable free night certificate, Marriott Bonvoy Platinum Elite status, and much more.

Amex Business Cards With Cell Phone Protection

While Amex consumer cards exclude cellular wireless telephones that are for resale, professional, or commercial use, these exclusions do not apply to the cell phone protection on Amex business credit cards.

Here are just a few popular Amex business cards offering this expanded coverage:

The Business Platinum Card ® from American Express

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More (at Amex's secure site)

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Earn 150,000 Membership Rewards ® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

The Business Platinum Card ® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

• 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
• Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
• Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)

• High annual fee of $695 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

• Welcome Offer: Earn 150,000 Membership Rewards ® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards ® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card ® . Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card ® , here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $199 CLEAR ® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR ® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card ® .
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.

• APR: 19.49% - 28.49% Variable
• Foreign Transaction Fees: None

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

With a generous welcome bonus, elevated earnings on everyday business expenses (first 3 months after card approval), statement credits for specific purchases, and a 35% rebate when purchasing flights with points, you’ll find plenty of value for your business with the Amex Business Platinum card.

Hot Tip: Enroll your Amex Business Platinum card via the benefits section of your online card account and receive up to $10 each month, up to $120 each year, when you make purchases from a U.S. wireless provider with your card.

American Express ® Business Gold Card

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More (at Amex's secure site)

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Earn 100,000 Membership Rewards ® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

The American Express ® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

• 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
  • $375 annual fee (rates and fees)
  • No elite travel benefits like airport lounge access or elite status
  Card Highlights
  • Welcome Offer: Earn 100,000 Membership Rewards ® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 19.49% to 28.49% variable APR.*
  • Earn 4X Membership Rewards ® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
  • Earn 3X Membership Rewards ® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
  • The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
  • *Terms Apply
  Financial Snapshot
  • APR: 19.49% - 28.49% Variable,0% on purchases for 6 months from date of account opening
  • Foreign Transaction Fees: None
  Rewards Center

  The Amex Business Gold card is a powerhouse when it comes to earning American Express Membership Rewards. Plus, it comes with up to $395 in statement credits annually — up to $20 back per month on eligible purchases at Fed Ex, Grubhub, and office supply stores, and up to $155 back annually on a Walmart+ membership. Note that enrollment is required.

  Delta SkyMiles ® Reserve Business American Express Card

  The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

  Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

  Learn More (at Amex's secure site)

  Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

  Welcome Offer

  Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.

  75,000 Bonus Miles UP's Bonus Valuation*: Annual Fee 20.99% - 29.99% Variable Credit Recommended

  Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

  Good to Excellent (670-850) Why We Like This Card

  The Delta SkyMiles ® Reserve Business American Express Card is a premium card option for small business owners who are both frequent travelers and Delta loyalists.

  While the annual fee may be steep, the card comes loaded with perks and benefits that all frequent Delta flyers are sure to love. Let’s take a look at what makes the card unique, and why it may be a great fit for your wallet.

  Pros & Cons
  • 3x miles per dollar on Delta purchases
  • 1.5x miles per dollar on eligible transit, U.S. shipping and office supply stores, plus all eligible purchases after you spend $150,000 in a year
  • Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
  • High annual fee
  • Does not earn many miles for purchases outside of Delta spend
  Card Highlights
  • Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Enter Delta Sky Club ® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Earn 3 miles per dollar on eligible Delta purchases.
  • Get closer to elevated Status next Medallion ® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles ® Reserve Business American Express Card.
  • Receive a Companion Certificate on First Class, Delta Comfort+ ® , or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles ® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
  • Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
  • When you purchase a Delta flight with your Delta SkyMiles ® Reserve Business Card, you will receive complimentary access to The Centurion ® Lounge or Escape Lounge – The Centurion ® Studio Partner.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles ® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Pay no foreign transaction fees when you travel overseas.
  • Terms and limitations apply.
  Financial Snapshot
  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None
  Rewards Center

  Delta flyers who have the Delta Reserve Business card will like the lounge benefits, an annual companion flight certificate, Delta elite-style flight benefits, and a faster path to earning Delta elite status. Additionally, just having the card elevates your chances for complimentary flight upgrades.

  Delta SkyMiles ® Platinum Business American Express Card

  The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

  Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.

  Learn More (at Amex's secure site)

  Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.

  Welcome Offer

  Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new card in your first 6 months of card membership.

  65,000 Bonus Miles UP's Bonus Valuation*: Annual Fee 20.99% - 29.99% Variable Credit Recommended

  Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

  Good to Excellent (670-850) Why We Like This Card

  Small business owners and frequent Delta flyers can make the Delta SkyMiles ® Platinum Business American Express Card your go-to credit card.

  Cardholders earn 3x SkyMiles per dollar for purchases with Delta and access benefits, including no foreign transaction fees, priority boarding, and a free checked bag for each flight (rates & fees).

  Plus, you can redeem your SkyMiles for travel on Delta and its partner airlines, saving you money. It’s a no-brainer!

  Pros & Cons
  • Save 15% on award travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees
  • 3x SkyMiles per $1 spent on Delta and hotel purchases
  • 1.5x SkyMiles per $1 spent on purchases of $5,000 or more, up to 50,000 additional SkyMiles per calendar year
  • $350 annual fee
  • Does not earn transferable rewards
  Card Highlights
  • Welcome Offer: Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles ® Platinum Business American Express Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
  • Get closer to elevated Status next Medallion ® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles ® Platinum Business American Express Card.
  • Delta SkyMiles ® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles ® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles ® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Terms and limitations apply.
  Financial Snapshot
  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None
  Rewards Center

  As with any Delta-branded card, you’ll earn more when spending on Delta and receive flight benefits such as priority boarding, a free checked bag, and discounts for onboard food and beverage. The Delta Platinum Business card also offers faster elite qualification for spending on the card.

  Additional Amex Protection for Cell Phones

  While short-term in the length of coverage or having a limited application, you will find additional protection for your cell phone offered on all of the Amex cards in this article.

  • Purchase Protection — Pay for your eligible item with your card and receive coverage for damage and theft for 90 days from the date of purchase. Coverage is limited to $10,000 per incident, $50,000 per card.
  • Extended Warranty — Eligible items purchased with your card that have manufacturer’s warranties of 5 years or less may receive 1 additional year of coverage. Coverage is limited to $10,000 per incident, $50,000 per card.

  Bottom Line: While the level of coverage varies, you’ll find purchase protection and extended warranty coverages on every American Express card.

  Final Thoughts

  Amex has stepped up to the plate with a respectable and competitive cell phone protection offering on its premium cards of up to $1,600 per year in potential benefits.

  Cell phone damage is common, and having this additional coverage can be a real economic benefit should you need to use it. Remember, however, that with many premium Amex cards, you’ll generally be earning 1x rewards when paying your cell phone bill. Be sure to monitor your Amex Offers for additional earning offers.

  For the cell phone protection benefit of The Platinum Card ® from American Express, Delta SkyMiles ® Reserve American Express Card, Delta SkyMiles ® Platinum American Express Card, Marriott Bonvoy Brilliant ® American Express ® Card, The Business Platinum Card ® from American Express, Delta SkyMiles ® Reserve Business American Express Card, Delta SkyMiles ® Platinum Business American Express Card, The American Express Platinum Card ® Exclusively for Schwab, Business Centurion ® Card from American Express, Centurion Card ® from American Express, The Corporate Centurion ® Card from American Express, Corporate Platinum Card ® , The Platinum Card ® from American Express Exclusively for Ameriprise Financial, The Platinum Card ® from American Express Exclusively for Goldman Sachs, and The Platinum Card ® from American Express Exclusively for Morgan Stanley, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12-month period. Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG company.

  For the purchase protection benefit of The Platinum Card ® from American Express, Delta SkyMiles ® Reserve American Express Card, Delta SkyMiles ® Platinum American Express Card, Marriott Bonvoy Brilliant ® American Express ® Card, The Business Platinum Card ® from American Express, Delta SkyMiles ® Reserve Business American Express Card, Delta SkyMiles ® Platinum Business American Express Card, The American Express Platinum Card ® Exclusively for Schwab, Business Centurion ® Card from American Express, Centurion Card ® from American Express, The Corporate Centurion ® Card from American Express, Corporate Platinum Card ® , The Platinum Card ® from American Express Exclusively for Ameriprise Financial, The Platinum Card ® from American Express Exclusively for Goldman Sachs, and The Platinum Card ® from American Express Exclusively for Morgan Stanley, purchase protection is an embedded benefit of your card Membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

  For the extended warranty benefit The Platinum Card ® from American Express, Delta SkyMiles ® Reserve American Express Card, Delta SkyMiles ® Platinum American Express Card, Marriott Bonvoy Brilliant ® American Express ® Card, The Business Platinum Card ® from American Express, Delta SkyMiles ® Reserve Business American Express Card, Delta SkyMiles ® Platinum Business American Express Card, The American Express Platinum Card ® Exclusively for Schwab, Business Centurion ® Card from American Express, Centurion Card ® from American Express, The Corporate Centurion ® Card from American Express, Corporate Platinum Card ® , The Platinum Card ® from American Express Exclusively for Ameriprise Financial, The Platinum Card ® from American Express Exclusively for Goldman Sachs, and The Platinum Card ® from American Express Exclusively for Morgan Stanley, when an American Express ® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

  
  The information regarding The American Express Platinum Card ® Exclusively for Schwab, The Corporate Centurion ® Card from American Express, Corporate Platinum Card ® , The Platinum Card ® from American Express Exclusively for Ameriprise Financial, The Platinum Card ® from American Express Exclusively for Goldman Sachs and The Platinum Card ® from American Express Exclusively for Morgan Stanley was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

  For the cell phone protection benefit of the American Express ® Business Gold Card, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12 month period. Eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company,

  The information regarding the American Express Platinum Card ® for Schwab was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
  The information regarding the Centurion ® Card from American Express was independently collected by Upgraded Points and was not provided nor reviewed by the issuer.
  The information regarding The Platinum Card ® from American Express Exclusively for Morgan Stanley was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
  The information regarding the Business Centurion ® Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
  The information regarding the Corporate Platinum Card ® by American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

  For rates and fees of the Delta SkyMiles ® Platinum American Express Card, click here.
  For rates and fees of Delta SkyMiles ® Reserve American Express Card, click here.
  For rates and fees of the Marriott Bonvoy Brilliant ® American Express ® card, click here.
  For rates and fees of The Platinum Card ® from American Express, click here.
  For rates and fees of The Business Platinum Card ® from American Express, click here.
  For rates and fees of the Delta SkyMiles ® Platinum Business American Express Card, click here.
  For rates and fees for the Delta SkyMiles ® Reserve Business American Express Card, click here.
  For rates and fees of the American Express ® Business Gold Card, click here.

  Featured Image Credit: phpetrunina14 via Adobe Stock

  Frequently Asked Questions

  How does Amex cell phone protection work?

  Amex cell phone protection provides reimbursement for repair or replacement up to $800 per claim, up to 2 claims in a 12-month period, for damage or theft of your cell phone. There is a $50 deductible per claim.

  The monthly wireless bill must be paid for with your eligible Amex card. Coverage begins on the first day of the month after you make your first payment and continues as long as the monthly statement is paid with your card.

  If the bill is not paid in any given month, coverage ceases on the first day of the following month.

  Does Amex cell phone protection cover my phone if I lose it?

  There is no coverage if you lose your phone or it mysteriously disappears. Amex cell phone protection covers damage and theft.

  Does Amex cell phone protection cover cracked screens?

  Amex specifically states that cracked screens are covered. However, cosmetic damage is not covered if your phone can still send and receive calls.

  How much does Amex cell phone coverage cost?

  Amex cell phone protection comes complimentary on the American Express premium cards listed in this article.

  Does Amex cell phone protection cover leased phones?

  Amex cell phone protection does not cover leased, rented, prepaid, or borrowed cell phones.

  Do authorized users receive the Amex cell phone benefit?

  According to our discussion with Amex, authorized users are eligible for the cell phone protection benefit when all other criteria are met.

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  About Christine Krzyszton

  Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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