Protections — Freedom Flex vs Sapphire Preferred

rental cdw — Secondary theft/damage coverage ≈Inferred by source

trip cancellation — Up to $1,500/person ≈Inferred by source

purchase protection — Up to $500/claim against damage or theft for 120 days from purchase (90 days for NY residents); $50,000/account/year ✓Verified by source

extended warranty — Extends manufacturer's warranty by 1 additional year on warranties of 3 years or less (up to 4 years total) ✓Verified by source

cell phone — Up to $800/claim, $1,000/12-month period; max 2 claims; $50 deductible; monthly bill must be paid with card. ENDS Sep 20 2026 — covers losses incurred through Sep 19 2026 ≈Inferred by source

rental cdw — Primary, up to $60,000 ≈Inferred by source

trip cancellation — Up to $10,000/person ≈Inferred by source

trip delay — Up to $500/ticket (>12 hrs) ≈Inferred by source

baggage — Up to $3,000/passenger ≈Inferred by source

emergency evacuation — Up to $100,000 (100+ miles from home) ≈Inferred by source

travel accident — Up to $500,000 accidental death and dismemberment on common carriers ✓Verified by source

purchase protection — Up to $500/item against damage or theft for 120 days from purchase (90 days for NY residents); up to $20,000/account ✓Verified by source

extended warranty — Extends manufacturer's US warranty by 1 additional year on eligible warranties of 3 years or less (up to 4 years total); up to $10,000/item, $50,000/account ✓Verified by source