pointstopictures The American Express Business Platinum card provides a $120 annual wireless credit as a monthly benefit. The Amex wireless credit helps you offset your monthly wireless service charges by offering up to $10 per month in statement credits when paying with the Business Platinum card.
Since this is a use-it-or-lose-it benefit (with no rollover of unused amounts), maximizing the credit requires understanding which transactions qualify and which do not. You can also pair it with additional perks like cell phone protection to get even more value.
What Counts Toward the $120 Wireless Credit?
To receive the $10 monthly Amex wireless credit, you must first enroll in the benefit on Amex website. You then need to use your Amex card to pay for wireless phone service directly with a U.S.-based wireless provider. Amex will issue a statement credit once transaction hits your statement.
This is what qualifies:
- Postpaid phone bills (monthly service fees from major U.S. carriers)
- Prepaid phone plans (when purchased directly from the carrier)
- Taxes and fees included in your monthly bill
- Autopay payments (as long as they are charged directly to your Amex card)
Qualifying transactions include postpaid phone bills as well as prepaid phone plans when purchased directly from the carrier. Additionally, taxes and fees associated with your monthly bill are eligible. If you have set up autopay payments with your service provider, they will also qualify for the credit as long as they are charged directly to your Amex card. If your bill is $50/month, it ends up being $40 after the statement credit.
What Doesn’t Count Toward the Wireless Credit?
While the Amex wireless credit is designed to offset your monthly service costs, certain purchases are excluded. The following transactions do NOT qualify:
- Device purchases – Buying a new iPhone, Samsung Galaxy, or any other phone will not trigger the credit.
- Accessories – Items such as chargers, phone cases, headphones, or smartwatches are excluded.
- Third-party bill payments – Payments made through services like PayPal, Venmo, Apple Pay, or bill payment aggregators will not be eligible.
- Carrier financing payments – If you’re paying off a phone in monthly installments (e.g., a financed iPhone from AT&T or Verizon), those payments will not count.
- Gift card purchases – Buying a wireless carrier gift card to prepay your bill is not eligible.
- International wireless providers – The credit only applies to U.S.-based carriers (if you have the US version of this card).
Tip: If you accidentally make a non-eligible purchase and were expecting the credit, you may be able to request a statement credit manually through Amex customer support, though approval is not guaranteed.
How to Maximize the Amex Wireless Credit?
Since the $10 per month credit does not roll over, the best way to maximize this benefit is to set up autopay for your cell phone bill using your Amex Business Platinum card.
Pairing the Wireless Credit with Amex Cell Phone Protection
Amex cell phone protection is an added benefit available when you pay your entire monthly phone bill with an eligible American Express card, such as The Business Platinum Card. This coverage provides financial protection if your phone is stolen or accidentally damaged. You can file up to two claims per 12-month period, with a maximum reimbursement of $800 per claim, minus a $50 deductible. Carrier insurance often has higher monthly fees and deductibles, Amex cell phone protection is a cost-effective way to safeguard your device as long as you use your card for your monthly bill payments.
This is how it works:
- Pay your full monthly phone bill with your eligible Amex card
- If your phone is stolen or damaged, file a claim through Amex’s third-party administrator
- Provide necessary documentation, such as a copy of your last month’s phone bill and repair or replacement receipts or quotes
- If approved, receive reimbursement up to $800, minus a $50 deductible
- This Coverage extends to all phones listed on the same monthly bill
Our Take
The $120 Amex wireless credit is a valuable benefit that helps offset the cost of your monthly phone bill. The credit is limited to $10 per month and doesn’t roll over. You will want to combine this with Amex’s cell phone protection. It offers up to $800 in coverage for theft or damage. It’s a simple way to save money on an essential expense, making it a worthwhile perk for cardholders who maximize its value.
