Citi Prestige Cell Phone Protection Details Announced

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In November 2018, Citi announced a raft of changes to the Prestige card (See: Prestige ups fee, slaughters 4th night free for most of us).

One of the changes was a new cell phone protection benefit, although we didn’t have details at the time of what that would entail. Citi has today provided more information about how it’ll work.

The cell phone protection benefits will be as follows:

  • Coverage of up to $1,000 per claim, with a limit of $1,500 per year.
  • Covers damage or theft of up to five eligible cell phones.
  • Monthly cell phone bill must be paid with the Citi Prestige card.
  • $50 deductible per phone.
  • Claims can be filed online.

Overall, this is a decent benefit, although some will prefer to continue paying their cell phone bill with the Chase Ink Preferred card as that also offers cell phone protection but has the added benefit of earning 3x Ultimate Rewards versus 1x ThankYou point with the Prestige card.

The Ink Preferred card has a higher overall limit per year ($1,800), but only covers up to $600 per claim. If you have a more expensive phone, it might therefore be better to pay your monthly cell phone bill on the Prestige card rather than Ink Preferred for the higher coverage, despite not earning as many rewards each month.

The wording in Citi’s press release only refers to ‘per year’, so it’s not entirely clear as to whether that refers to a cardmember year or calendar year.

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