Home Credit Cards AMEX Adds Cell Phone Coverage To Premium Cards But I’m Still Paying My Bill With This Card

AMEX Adds Cell Phone Coverage To Premium Cards But I’m Still Paying My Bill With This Card

by joeheg

American Express shook up the credit card world this week by adding cell phone protection to several premium personal and business credit cards. Here’s the list of the cards that now provide cell phone protection.

  • Platinum Card from American Express
  • Business Platinum Card from American Express
  • Centurion Card from American Express
  • Business Centurion Card from American Express
  • 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

While I currently don’t hold any of the above cards, even if I did, it wouldn’t cause me to change from paying my bill with my current card to one of these options.

Why not? Because I already choose to earn fewer points on my cell phone bill each month to get cell phone protection with my Chase Ink Preferred. With this card, I earn 3x points on my bill and get coverage. I could already earn 5x with the Chase Ink Cash card and get no coverage. There are plenty of factors that come into play when deciding if you want to buy cell phone insurance instead of getting coverage thru your credit card.

Most importantly is how able you are to pay $1,500 for a replacement phone if the worst-case scenario happens. If your phone is one of your most expensive purchases of the year, you might want to get the best coverage available. If you’re able to take the $600 hit to replace a phone in the worst case, earning the maximum of points while still getting coverage for minor damages might be your best choice. YMMV.

I’m not here to tell you which card to pay your cell phone bill with. However, if you’re currently paying for coverage through a third party while only earning 1x points on your bill, it might make sense to change the card you pay your bill with if you have one of the AMEX cards that now offers protection for cell phones.

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This post first appeared on Your Mileage May Vary

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