The 11 Best Credit Cards for Cell Phone Insurance Protection [2024]

Cell phones — we all have one, but let’s be honest: they’re crazy expensive.

In years past, flagship smartphones would sell for $600 to $800 depending on storage size, but now you’re more likely to pay upwards of over $1,000. Upgrade to more storage and a larger screen, and you’re paying top dollar.

Because the loss, damage, or theft of your cell phone can be expensive and inconvenient, now’s the time to secure protection that could help offset the economic damage should such an occurrence occur.

Often, you can purchase cell phone insurance from your phone carrier, but that requires a hefty up-front fee (think AppleCare+) or a monthly charge from your carrier. When it comes time to actually use the insurance, you may still be stuck paying a high deductible.

Thankfully, a slew of credit cards offer complimentary cell phone insurance when you pay your phone bill with the card. The best part is that this insurance is free — there’s no added monthly fee, though you may be required to pay a small deductible to use it.

In this article, we’ll look at some of the best credit cards that offer cell phone insurance and determine if that coverage might be a sufficient alternative to purchasing coverage. We’ll give you a quick overview of each card and explain the associated cell phone insurance benefits you can expect to receive with the card.

Let’s get started!

What Is Credit Card Cell Phone Protection?

Cell phone insurance is exactly what it sounds like — an insurance plan for your cell phone. As discussed above, this is slowly becoming a more common credit card benefit.

Most of the time, credit card cell phone insurance is secondary to any other coverage you might have. For example, you may have a monthly protection plan you purchase from your phone carrier, or perhaps there’s cell phone coverage on your homeowner’s or renter’s insurance policy. You’d have to claim this insurance before claiming your credit card benefits.

Many credit cards have other limitations, such as not covering a lost phone. Instead, cell phone insurance usually covers things like theft and damage — more on that later.

Who’s Covered

Most credit card cell phone protection will cover the phones associated with the monthly service bills you pay with your eligible card. In other words, the phone numbers must typically be listed on the monthly bill to be covered by your credit card’s insurance plan. This makes credit card cell phone insurance extremely valuable for family plans, as everyone on the plan will be covered.

Some card issuers limit the number of additional lines covered, such as Citi, which has a limit of 4 additional lines, while others can be unlimited. Make sure to double-check these limits if you have a large family plan.

What’s Covered

Most credit card coverage comes with a deductible that you must pay when you claim the insurance benefit — this can range from $25 to $100 and is usually deducted from the insurance payout.

Also, if you have cell phone coverage other than that on your credit card, that coverage will be primary before the credit card coverage kicks in. With this in mind, you may decide to forgo coverage from your carrier or the manufacturer when you purchase your cell phone.

Standard covered losses include accidental damage that makes your phone less functional or non-functional, water damage, and most cases of theft.

To cover your phone, you must pay your monthly cell phone bill with your credit card. Coverage typically takes effect on the first of the month after you start paying the monthly service on your card.

What’s Typically Not Covered

As with most protection, more losses are not covered than are covered. Here’s a list of common exclusions for cell phone protection found on your credit card:

• Phone accessories
• Phones purchased for resale
• Mysterious disappearance
• Phones stolen from carry-on baggage or under the control/care of a common carrier
• Cosmetic damage to the phone
• Pay-as-you-go, prepaid, leased, borrowed, or rented phones
• Intentional or illegal acts
• Voluntary parting with the phone (involuntary and accidental parting may be covered)
• Replacement phones not purchased from the retailer
• Taxes, delivery, and transportation fees

Bottom Line: You can cover more cell phones than just your own by paying for the monthly service with your eligible card. Plus, theft and damage are the most common losses covered, while the act of losing your phone may or may not be covered. Coverage specifics solely depend on the credit card’s coverage terms and conditions. 

The 6 Best Personal Credit Cards That Offer Cell Phone Insurance

Now, let’s take a look at the best credit cards that offer cell phone insurance. We’ve summarized the cards and cell phone coverage in the table below, then added card and coverage details in the following paragraphs.

Card	Card Protection Limits	Earnings per Dollar Spent on Cell Phone Bill
The Platinum Card® from American Express	$800 per claim, maximum 2 claims annually, $1,600 total, $50 deductible	1 Amex Membership Rewards point per dollar
Capital One Venture X Rewards Credit Card	$800 per claim, maximum 2 claims in a 12-month period up to $1,600 total, $50 deductible	2 Capital One miles per dollar
Delta SkyMiles® Platinum American Express Card	$800 per claim, maximum 2 claims annually up to $1,600 total, $50 deductible	1 Delta SkyMile per dollar
Delta SkyMiles® Reserve American Express Card
Wells Fargo Autograph℠ Card	$600 per claim, maximum of 2 claims in a 12-month period up to $1,200 total, $25 deductible	3 Wells Fargo Reward points per dollar
Chase Freedom Flex℠	$800 per claim, 2 claims per 12-month period, up to $1,000 total, $50 deductible	1 Ultimate Rewards point per dollar

Amex Platinum Card (Best for Cosmetic Damage & Premium Benefits)

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.)

The Amex Platinum card is one of the best travel cards on the market thanks to its jam-packed, excellent benefits like the most access to airport lounge networks, rental car benefits, hotel elite status with Marriott and Hilton upon enrollment, statement credits for specific purchases, and even cell phone insurance!

Frequent flyers will love the earn rates on the Amex Platinum card, which include:

• 5x points per dollar on flights booked directly with airlines or AmexTravel.com
• 5x points per dollar on hotels booked with AmexTravel.com

Plus, the Amex Platinum card earns 1x point per dollar on all non-bonused purchases.

Cell Phone Insurance Overview

With your Amex Platinum card, you’ll receive up to $1,600 in cell phone protection against theft and damage per 12-month period, including cosmetic damage like cracks to your phone screen. Coverage is limited to up to 2 claims per year with a total of $800 per claim. You’ll be responsible for a $50 deductible each time you submit a claim.

To receive this coverage, you’ll need to pay your monthly phone bill with your Amex Platinum card.

Capital One Venture X Card (Best for Most Miles Earned on Cell Bills)

We like that the Capital One Venture X card nearly pays for itself with a $300 annual credit for using Capital One Travel for your purchase. Add in the additional value of 10,000 miles at card renewal, and you’ll find the card delivers enough value to more than offset the fee.

In addition to a long list of travel benefits and protections such as worldwide lounge access, primary rental car coverage, trip cancellation/interruption/delay, baggage insurance, and roadside assistance, you’ll also find the card has excellent cell phone protection.

Cell Phone Insurance Overview

First, you’ll want to pay your monthly bill with your card. Then, you’ll have up to $800 in coverage if your phone is lost or stolen. There is a limit of 2 claims per 12-month period, a maximum of $1,600 total, and you’ll pay a $50 deductible for each claim.

Delta Platinum Card (Best for Frequent Delta Flyers)

An excellent option for Delta flyers, the Delta Platinum card offers benefits like free checked bags, discounts on inflight purchases, an annual companion certificate, and much more.

The card also earns Delta SkyMiles on the following purchases:

• 3x SkyMiles per dollar on Delta and eligible hotel purchases
• 2x SkyMiles per dollar at restaurants and U.S. supermarkets

You’ll also receive 1 SkyMile per dollar on all other eligible purchases that fall outside of the above categories.

Cell Phone Insurance Overview

The Delta Platinum card includes up to $1,600 in cell phone protection against theft and damage per 12-month period, including cosmetic damage, which is not often covered with most plans. You can submit up to 2 claims per year for a total of $800 per claim, and keep in mind that each claim will come with a deductible of $50.

As with the other cards mentioned, you’ll need to pay your cell phone bill with your Delta Platinum card to be eligible for the coverage.

Delta Reserve Card (Best for Frequent Delta Flyers & Lounge Access)

The Delta Reserve card is a must-have for Delta loyalists. The card offers access to Delta Sky Clubs and Amex Centurion Lounges when flying Delta, and you’ll also receive complimentary upgrades on Delta flights, an annual companion certificate, priority boarding, and more.

*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.

The Delta Reserve card has just 1 bonus category that allows you to earn 3x SkyMiles per dollar on all Delta purchases. Still, you’ll receive 1 SkyMile per dollar on all other eligible purchases.

Cell Phone Insurance Overview

As with the Delta Platinum card, the Delta Reserve card also includes up to $1,600 in cell phone protection per 12-month period, including cosmetic damage. You can submit up to 2 claims per year for a total of $800 per claim, and keep in mind that each claim will come with a deductible of $50.

Again, you’ll need to pay your cell phone bill with your Delta Reserve card to be eligible for the coverage.

Wells Fargo Autograph Card (Best for Bonus Categories)

The Wells Fargo Autograph card is a great option for those who want a card that offers cell phone protection that’s also great at earning points on a wide variety of purchases.

With it, you’ll earn 3x points per dollar spent on restaurants, travel, gas stations, transit, popular streaming services, and, notably, on your phone plan.

The card offers other great perks as well, like no annual fee, no foreign transaction fees, flexible redemption options, rental car insurance, and more.

Cell Phone Insurance Overview

When you pay your monthly cell phone bill with the Wells Fargo Autograph card, you’ll receive up to $1,200 in coverage in a rolling 12-month period if your phone is damaged, stolen, or unrecoverable due to involuntary and accidental parting. Note that this policy does not include cosmetic repairs like a cracked screen.

You can receive up to $600 in coverage per claim, with up to 2 claims every 12 months, and you’ll need to pay a $25 deductible per claim.

Freedom Flex Card (Best for No Annual Fee)

You’ll receive a lot of value with the $0-annual-fee Freedom Flex card. With 5% earnings on rotating quarterly bonus categories, plus elevated earnings for purchases on the Chase Travel portal, dining, and at drugstores, there are plenty of ways to earn cash-back and Ultimate Rewards points.

Pair the card with a Chase premium card, and you’ll have access to increased value (up to 1.5 cents per point) when redeeming for travel, plus the ability to transfer points to Chase travel partners for even greater potential value.

Cell Phone Insurance Overview

Pay your monthly cell phone bill with your card and receive coverage for theft and damage. There is a maximum of $800 per claim, a limit of 2 claims per 12-month period for a total of $1,000, and a $50 deductible per claim.

Hot Tip: Cell phone protection is a World Elite Mastercard benefit, but not all World Elite Mastercards offer the benefit. The specific financial institution that issues the card will decide whether to include it as one of the benefits. If your card has the coverage, you can expect up to $800 per claim, a maximum of 2 claims each year for a total of $1,000, and each claim will have a $50 deductible. 

The 5 Best Business Credit Cards That Offer Cell Phone Insurance

Are you looking for a business credit card offering cell phone insurance for you and your employees? Consider the following options:

Card	Cell Phone Protection	Earnings per Dollar Spent on Cell Phone Bill
The Business Platinum Card® from American Express	$1,600 in claims, 2 claims annually, $800 per claim maximum, $50 deductible	1 Amex Membership Rewards point per dollar
American Express® Business Gold Card		Up to 4 Amex Membership Rewards points per dollar
Delta SkyMiles® Platinum Business American Express Card		1 Delta SkyMile per dollar
Delta SkyMiles® Reserve Business American Express Card
Ink Business Preferred® Credit Card	$3,000 in claims, 3 claims annually, $1000 per claim maximum, $100 deductible	3 Ultimate Rewards points per dollar

Amex Business Platinum Card (Top Pick: Best Business Card for Cosmetic Damage & Premium Benefits)

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 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Business owners looking for a great travel card that also offers cell phone insurance will be hard-pressed to find a better option than the Amex Business Platinum card. With it, you’ll receive access to the best-in-class American Express Global Lounge Collection, Hilton and Marriott elite status upon enrollment, up to $400 in annual Dell credit, plus excellent travel and purchase protections.

With your Amex Business Platinum card, you’ll earn rewards at these rates:

• 5x points on flights and hotels purchased through AmexTravel.com
• 1.5x points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year)

Cell Phone Insurance Overview

The cell phone insurance coverage provided with the Amex Business Platinum card is top-notch, giving cardholders up to $1,600 in cell phone protection each year. Better yet, the coverage includes cosmetic damages to your phone, like a cracked screen, which is something that many other phone insurance policies exclude.

Amex Business Platinum cardholders can make 2 claims per year for themselves or any employee phone, and each claim will cover up to $800 in damages after paying a deductible of just $50. Of course, you’ll need to pay your monthly cell phone bill with your Amex Business Platinum card to receive the coverage.

Amex Business Gold Card (Best Business Card for Earning Amex Points)

Business owners who want to earn lots of Membership Rewards points in addition to getting great cell phone coverage should look to the Amex Business Gold card.

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

• NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
• NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
• NEW! 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, TV, radio)

The Amex Business Gold card also earns 3x points on flights, prepaid hotels, and flight and hotel packages purchased through AmexTravel.com.

Plus, this card comes with up to $395 in annual statement credits. Cardholders can earn up to $20 back per month for eligible purchases at FedEx, Grubhub, and office supply stores, and up to $155 back annually for a monthly Walmart+ membership. Note that enrollment is required for both benefits.

Cell Phone Insurance Overview

Just as with the coverage on the Amex Business Platinum card, the Amex Business Gold card comes with up to $1,600 in cell phone protection each year. Unlike many other phone insurance policies, this coverage includes cosmetic damages like a cracked screen.

Amex Business Gold cardholders can make 2 claims per year for themselves or an employee phone. Each claim covers up to $800 in damages after paying a $50 deductible. To receive coverage, your monthly cell phone bill must be paid with your Amex Business Gold card.

Delta Platinum Business Card (Best Business Card for Frequent Delta Flyers)

Business owners who spend a lot of time flying with Delta will love the benefits of the Delta Platinum Business card, like the annual companion certificate and free checked bags.

With the Delta Platinum Business card, you’ll earn on the following purchases:

• 3x miles per dollar on Delta and hotel purchases
• 1.5x miles per dollar on purchases over $5,000

You’ll also receive 1 mile per dollar on all purchases that fall outside the above categories.

Cell Phone Insurance Overview

Just like the personal version of the card, the Delta Platinum Business card offers cardholders up to $1,600 in cell phone protection against theft and damage per 12-month period. You can submit up to 2 claims per year, with a maximum of $800 per claim and a $50 deductible per claim.

To receive this coverage, you’ll need to pay for your business’s monthly cell phone bill with the Delta Platinum Business card.

Delta Reserve Business Card (Best Business Card for Frequent Delta Flyers & Lounge Access)

Any business owner who is Delta frequent flyer should consider adding the Delta Reserve Business card to their wallet. It offers cell phone insurance and gives you access to complimentary upgrades, along with Amex Centurion Lounges and Delta Sky Clubs when flying Delta.

*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.

Plus, you’ll earn 3x miles per dollar on all Delta purchases and 1 mile per dollar on all other purchases. However, once you’ve spent $150,000 on the card, your non-Delta purchases will begin to earn 1.5 miles per dollar, making it an excellent option for Delta loyalists with a lot of expenses.

Cell Phone Insurance Overview

The cell phone coverage on the Delta Reserve Business card is the same as all of the other Delta cards included in our list, with up to $1,600 in cell phone protection per 12-month period. Cardmembers can submit 2 claims per year, up to $800 per claim, and each claim includes a deductible of $50.

Like the other Delta cards, you’ll need to pay your monthly phone bill with your Delta Reserve Business card to use the cell phone insurance coverage.

Ink Business Preferred Card (Best Chase Business Card)

While some personal credit cards offer cell phone protection, you can receive both protection and greater earnings with select business credit cards.

The Ink Business Preferred card is one of the best Chase business credit cards (or any business card!) on the market and also one of the best for cell phone protection.

The card earns Ultimate Rewards points on each purchase and has several 3x point categories (up to $150,000 in spend), including:

• Travel
• Shipping purchases
• Internet, cable, and phone services (yes, this includes your cell phone bill!)
• Advertising purchases with social media sites and search engines

This means that you can earn up to 450,000 Ultimate Rewards points per year in these bonus categories alone. These points can be transferred to several airline and hotel partners, meaning you can redeem them for business class tickets to Europe, suites at Hyatt hotels, and more! Check out our article on the best Chase Ultimate Rewards redemptions for more info.

Plus, an attractive welcome bonus and a slew of other benefits make this card one of the most rewarding credit cards for small and medium-sized business owners.

Cell Phone Insurance Overview

Not only do you earn 3 points per dollar when you pay your cell phone bill with the Ink Business Preferred card, but you also get complimentary cell phone insurance. Chase will reimburse you up to $1,000 per claim, and you can make up to 3 claims per year. There is a $100 deductible attached to each claim, so you’re effectively getting $900 in value from each claim.

As you’d expect, this coverage covers both theft and damage, and you’re responsible for paying the excess on claims that are over $1,000. Regardless, this can be an excellent benefit, especially if you have employees with company-issued cell phones.

Filing a claim is easy, too. Just head to the Card Benefit Services website, and you’ll be prompted to sign in with your credit card info. After signing in, upload the requested documentation and submit your claim. You should hear back from Chase within a couple of weeks regarding your claim’s status; if approved, you’ll be paid via a check in the mail.

Hot Tip: To learn about other business credit cards that offer cell phone protection and earn rewards when paying your monthly bill, check out our guide.

Limited Cell Phone Protection via Purchase Protection Coverage

If you purchased your cell phone with a credit card that offers purchase protection, you might have a limited period of coverage if your phone is lost, damaged, or stolen — but only within a certain amount of time from the day of purchase.

For protection to be valid on your cell phone, you must have paid for the phone in full with your eligible card and/or rewards points earned on that card. The following are some of the most popular cards that provide purchase protection that can cover a cell phone in the first few months of ownership:

Card	Purchase Protection Benefit
Amex Platinum card American Express® Gold Card	$10,000 per claim, $50,000 per account, coverage is valid for 90 days from the date of purchase
Blue Cash Everyday® Card from American Express	$1,000 per claim, $50,000 per account, coverage is valid for 90 days from the date of purchase
Capital One Venture X card	$10,000 per claim, $50,000 per account, coverage is valid for 90 days from the date of purchase
Chase Sapphire Reserve®	$10,000 per claim, $50,000 per account, coverage is valid for 120 days from the date of purchase
Chase Sapphire Preferred® Card	$500 per claim, $50,000 per account, coverage is valid for 120 days from the date of purchase
Citi Premier® Card Citi® / AAdvantage® Platinum Select® World Elite Mastercard®	$10,000 per claim, $50,000 per account, coverage is valid for 90 days from the date of purchase or delivery of the item, whichever is first
Freedom Flex card	$500 per claim, $50,000 per account, coverage is valid for 120 days from the date of purchase

Hot Tip: If your cell phone is damaged or stolen within the first few months of ownership and you purchased it with a card that offers purchase protection, you may have coverage available.

Limited Cell Phone Protection With Extended Warranty Coverage

Further, some credit cards offer extended warranty protection. This coverage generally extends the manufacturer’s warranty for an additional year or more on eligible items (including cell phones). However, things like theft and accidental damage are usually not covered by this benefit, only the perils listed in the original warranty, such as manufacturer’s defects, etc.

Dozens of credit cards offer extended warranty coverage — way too many to list here. You can determine if your card has this coverage by calling the number on the back of your card, accessing your card account online, or referencing the Guide to Benefits that came with your card.

Here’s how coverage breaks down by card issuer:

Card Issuer	Extended Warranty Coverage	Coverage Limits
American Express	Manufacturer’s warranties of 5 years or less are extended by 1 year	$10,000 per item, $50,000 per account
Bank of America	Manufacturer’s warranties of 3 years or less are doubled up to a maximum of 1 additional year	$10,000 per item
Capital One	Manufacturer’s warranties of 3 years extended a maximum of 1 additional year	$10,000 per item, $50,000 per account
Chase	Manufacturer’s warranties of 3 years or less are extended by 1 year	$10,000 per item, $50,000 per account
Citi	Manufacturer’s warranties of 5 years or less are extended by up to 24 months, for a maximum of 7 years total	$10,000 per item

Bottom Line:

Even if your card does not offer cell phone protection, you may find coverage, depending on the timing and type of loss, under your card’s purchase protection or extended warranty coverage. 

Tips for Filing a Cell Phone Protection Claim

Damaging your phone or having it stolen is already a stressful experience — don’t make things even more stressful by filling out your claim improperly.

Make sure to include the following in your credit card cell phone insurance claim:

• Take note of the details of the incident (where, when, etc.)
• If your phone was damaged, do not throw it away; you may be asked to send it to the claim administrator
• If your phone was stolen, obtain a police report as soon as possible
• To quickly start the claim process, call the number on the back of your card, and they can transfer you to the claim administrator so that you can request a claim form
• Pay attention to deadlines — you have a limited amount of time (usually 60 days, but possibly less) to file a claim and ensure the claim administrator receives all the required documents

Knowing what you might need to file a cell phone claim could save you some serious time and frustration.

You may be asked to provide any of the following:

• Completed and signed claim form
• A copy of your bill showing that the monthly service for the phone for which you’re making a claim was paid for with your eligible card
• An itemized repair estimate
• The damaged phone
• Receipt for a replacement phone, if applicable
• Documentation of any other insurance claim settlement
• Substantiation of the time, place, and cause of the damage/theft
• Documentation of the original price of the cell phone

Final Thoughts

Each of these cards offers good cell phone insurance, so it’s up to you to determine which card fits your spending mix, has redemption options that fit your priorities, and offers other benefits you can actually use.

In short, examine your spending habits and find which of these credit card’s bonus earning categories best aligns with your usual spending. Then, apply for the card and move your cell phone plan’s billing to autopay from your new credit card. Now, you’ll earn valuable travel rewards or cash-back and protect your cell phone from damage and theft at the same time.

Note that this list is not an all-encompassing collection of every credit card that offers cell phone protection, just some of the most popular cards.

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For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For the cell phone protection benefit of The Platinum Card^® from American Express, 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, 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 cell phone protection benefit of the Delta SkyMiles^® Platinum American Express 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. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG company.

For the cell phone protection benefit of the Delta SkyMiles^® Reserve American Express 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. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG company.

For the cell phone protection benefit of The Business Platinum Card^® from American Express, 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 Business Platinum Card^® from American Express, 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 cell phone protection benefit of the Delta SkyMiles^® Platinum Business American Express 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. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG company.

For the cell phone protection benefit of the Delta SkyMiles^® Reserve Business American Express 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. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG company.

For the purchase protection benefit of the American Express^® Gold Card, 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 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, an AIG Company.