Does the PenFed Platinum Rewards cover it?
PenFed Credit Union lists 3 of the 11 protections we track with terms: travel accident (up to $250,000), cell phone protection (up to $500 per claim, $50 deductible) and purchase protection (up to $500 per claim for 90 days). Assistance only: emergency evacuation & medical. Not listed on the sources we checked: trip cancellation, trip delay, baggage delay, lost or damaged bags, rental car damage, extended warranty and return protection. No medical-expense cover is listed.
What the issuer lists
Trip cancellation & interruption Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Trip delay Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Baggage delay Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Lost or damaged baggage Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Rental car collision damage (CDW) Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Travel accident insurance Listed with terms
Travel Accident Insurance: principal sum $250,000 (accidental death and dismemberment only) when you buy the travel ticket with the card.
Emergency evacuation & medical Assistance / conditional only
Travel and Emergency Assistance Services: connects you with local emergency and assistance resources. You are responsible for the cost of any medical, legal, transportation or other services. No evacuation or medical-expense coverage is listed.
Cell phone protection Listed with terms
Cellular Telephone Protection: up to $500 per claim, less a $50 deductible, with a maximum of 2 claims and $1000 per 12 month period, when you pay the monthly cell phone bill with the card. Coverage begins the first day of the calendar month after the payment. Pays after other insurance.
Purchase protection (damage & theft) Listed with terms
Purchase Security: new purchases covered for 90 days against theft or damage from fire, vandalism, accidentally discharged water or certain weather conditions, up to $500 per claim and $50,000 per cardholder. Pay for all or part of the item with the card and/or its rewards.
Extended warranty Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Return protection Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Before you rely on this: benefits only apply when you pay the way the terms require (often the full purchase, fare, rental or phone bill on the card), they have exclusions, claim deadlines and documentation rules, and they can change. Your card’s Guide to Benefits is the final word. Not insurance advice.
What this card doesn’t list
Protections the PenFed Platinum Rewards sources we checked say are not included, or don’t mention. Not listed doesn’t mean not covered: check your Guide to Benefits. For trips, a standalone travel insurance policy is one way people fill gaps like these; whether that is worth it depends on your trip.
- Trip cancellation & interruption: not listed on the issuer source we checked.
- Trip delay: not listed on the issuer source we checked.
- Baggage delay: not listed on the issuer source we checked.
- Lost or damaged baggage: not listed on the issuer source we checked.
- Rental car collision damage (CDW): not listed on the issuer source we checked.
- Emergency evacuation & medical: assistance or conditional only (see above).
- Extended warranty: not listed on the issuer source we checked.
- Return protection: not listed on the issuer source we checked.
- Medical treatment costs abroad: no medical-expense coverage is listed for this card.
Quick answers
Does the PenFed Platinum Rewards have cell phone protection?
PenFed Credit Union lists cell phone protection for this card. Cellular Telephone Protection: up to $500 per claim, less a $50 deductible, with a maximum of 2 claims and $1000 per 12 month period, when you pay the monthly cell phone bill with the card. Coverage begins the first day of the calendar month after the payment. Pays after other insurance. Check your Guide to Benefits.
Does the PenFed Platinum Rewards have purchase protection?
PenFed Credit Union lists purchase protection for this card. Purchase Security: new purchases covered for 90 days against theft or damage from fire, vandalism, accidentally discharged water or certain weather conditions, up to $500 per claim and $50,000 per cardholder. Pay for all or part of the item with the card and/or its rewards. Check your Guide to Benefits.
Does the PenFed Platinum Rewards include travel insurance?
The PenFed Credit Union sources we checked list travel accident and emergency evacuation & medical for this card; see each protection above for its terms. No medical-expense coverage abroad is listed. Check your Guide to Benefits.
Do I have to pay with the PenFed Platinum Rewards?
The sources we checked tie these protections to how you pay. Cell phone protection: Cellular Telephone Protection: up to $500 per claim, less a $50 deductible, with a maximum of 2 claims and $1000 per 12 month period, when you pay the monthly cell phone bill with the card. Purchase protection (damage & theft): Purchase Security: new purchases covered for 90 days against theft or damage from fire, vandalism, accidentally discharged water or certain weather conditions, up to $500 per claim and $50,000 per cardholder. Check your Guide to Benefits.
Similar cards
Also check
Card coverage vs a standalone travel policy: what to compare · All protections explained · All cards (103 checked)