Amex Introduces Cell Phone Protection Benefit On Select US Cards


American Express today announced a new benefit for select cards issued in the United States.

Cell Phone Protection covers up to two incidents, including cracked screens and stolen phones, every year (max $800 each incident and $1,600 total) with a $50 deductible as long as the previous month’s wireless bill was paid using an eligible card.

You can access the Amex page for this new benefit here.

Here are the eligible cards:

  • Platinum Card® from American Express
  • Business Platinum Card®
  • Centurion® Card from American Express
  • Business Centurion Card®
  • Delta SkyMiles® Platinum American Express Card
  • Delta SkyMiles® Platinum Business American Express Card
  • Delta SkyMiles® Reserve American Express Card
  • Delta SkyMiles® Reserve Business American Express Card
  • The Platinum Card® Exclusively for Charles Schwab
  • The Platinum Card® Exclusively for Morgan Stanley
  • The Platinum Card® Exclusively for Goldman Sachs
  • The Centurion® Card Exclusively for Goldman Sachs

Some stats that Amex provided:

  • Half of current smartphone owners surveyed have cracked their phone screen.
  • Nearly 1 in 3 (29%) smartphone owners have ever damaged their smartphone to the point of needing repairs, and this number jumps to 43% for GenZers.
  • More than a quarter (27%) of Millennials reported more damage to their cell phone since the start of the pandemic.
  • 3 in 4 smartphone owners (72%) feel like something is missing if they don’t have their cell phone on them.


Don’t get me started about cracked mobile phone screens and stolen phones.

I had had phones grabbed from my hand twice in Santiago, once in Sao Paulo, and once with a knife in Medellin, and I have covered some of these incidents here on LoyaltyLobby.

And how often does the iPhone screen crack if you drop it on the floor? My Samsung Note20 screen seems to be more resilient (I have both – or actually three when my Google Nexus is counted in, too, with a cracked screen).

Not sure how the claim process works in the US when it comes to cell phone damage or theft and this coverage. Do you need to file a police report in the case of theft?