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Best Credit Cards to Pay Cell Phone Bills

Best Credit Cards to Pay Cell Phone Bills

Million Mile SecretsBest Credit Cards to Pay Cell Phone BillsMillion Mile Secrets Team

Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

I love making the most of bonus category spending with miles and points credit cards.  Because you can earn extra miles or cash back to use toward Big Travel just by paying certain bills with the right card.

When it comes to monthly cell phone bills, there are several miles and points cards that give you a bonus.

Best Credit Cards To Pay Cell Phone Bills
Picking the Best Card to Pay Your Cell Phone Could Mean Extra Points or Cash Back

I’ll explain which cards to consider when paying your monthly cell phone bill to get the best bang for your buck!

4 Best Options for Paying Your Monthly Cell Phone Bill

Link:   How To Fill Out A Business Credit Card Application 

Link:   How to Qualify for a Small Business Credit Card (And Why You Should Get One!)

The best card to pay your cell phone bill depends on your personal situation and your travel goals.  Most of the cards with bonuses for cell phone bill payments are small business cards.

Remember you could qualify for a small business card if you’re a real estate agent, freelance graphic designer, or sell on e-Bay or Amazon.

Best Credit Cards To Pay Cell Phone Bills
You Could Qualify for a Small Business Card by Regularly Selling Items on eBay

Here are 4 options for getting the most out of paying your cell phone bill.

1.   Chase Ink Plus

Link:   Ink Plus® Business Credit Card 

Folks looking to earn the most points should pay their cell phone bill with the Chase Ink Plus small business card.

With the Chase Ink Plus:

  • Earn 5 points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year

You’ll earn Chase Ultimate Rewards points you can be transferred to partner airlines and hotels or used for cash back.

If your cell phone bill is $100 per month, you could earn 6,000 Chase Ultimate Rewards points in a year ($100 X 5 points X 12 months).  That’s more than enough to transfer to Hyatt for an award night at the Hyatt House Dallas / Uptown, which costs 5,000 Hyatt points.

Best Credit Cards To Pay Cell Phone Bills
Pay Your Monthly Cell Phone Bill With Chase Ink Plus and You Could Earn Enough Ultimate Rewards Points for an Award Night at Hyatt Category 1 Hotels!

2.   Chase Ink Cash

Link:   Ink Business Cash Credit Card

If you prefer a no-annual-fee card, the Chase Ink Cash is also a good deal for cell phone bills!

With the Chase Ink Cash:

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year

Note:   The yearly maximum for earning 5% cash back in bonus categories is lower on the Chase Ink Cash compared to the Chase Ink Plus.

And to transfer Ultimate Rewards points to airline and hotel partners from the Ink Cash, you’ll need the Chase Sapphire Preferred, Ink Bold (no longer available), or Ink Plus card.

3.   AMEX SimplyCash Plus

Link:   SimplyCash® Plus Business Credit Card from American Express

Folks who prefer cash back should consider paying their cell phone bill with the AMEX SimplyCash Plus small business card.  You’ll earn:

  • 5% cash back at office supply stores in the US and on your US wireless phone bill (up to $50,000 in purchases per calendar year)

And you can register your SimplyCash Plus card for AMEX offers to check for additional savings.

4.   Wells Fargo Cards

Link:   Wells Fargo Propel 365 American Express

Link:   Wells Fargo Cash Wise Visa

Link:   Wells Fargo Propel World AMEX Card Now Only Available In-Branch and Other Potential Changes

You won’t earn a spending bonus when you pay your cell phone bill with a Wells Fargo card.  But, you will get free cell phone protection insurance.

This can be a huge savings for folks with multiple lines on their cell phone plan who don’t want to pay for 3rd-party phone insurance.  Because the Wells Fargo cell phone protection insurance covers the primary line and the first 3 lines on the monthly statement.

Insurance plans for phones can cost ~$100 a year.  Multiply that by 4 lines and you’re looking at $400 in savings by paying with a Wells Fargo card.

Keep in mind only personal credit cards are eligible for coverage.  Business credit cards and debit cards are excluded.

Coverage starts the month following your first phone bill payment with a Wells Fargo credit card.  After that, you can make 2 claims in a 12-month period, as long as you keep paying your phone bill with a Wells Fargo card.

There are some exclusions like:

  • Lost phones are NOT covered
  • It must be your personal cell phone
  • Covered phones must be purchased new.  Refurbished or resold phones are NOT included

Emily and I don’t earn a commission on the Wells Fargo cards, but we’ll always tell you about the best deals!

Bottom Line

Paying your cell phone bill with the right card could earn you extra miles and points or cash back!  You can also take advantage of certain promotions like AMEX offers when you register your eligible AMEX card.

Or you can pay with a Wells Fargo credit card to get cell phone protection insurance instead of a spending bonus.

Most credit cards with cell phone spending bonuses are small business cards.  Remember, many folks can qualify for a small business card – you don’t need millions in revenue!

Which card do you use to pay your cell phone bill?

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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A a person restricted to what types of items / services can be purchased with a business card? For example, can a business card be used at a grocery store, or amusement park?

You want want to mention that the Wells Fargo cards still earn 1-1.5% cash back. The way the post is written seems to imply that there are no rewards at all. I know what you meant, but it won't be clear to most people.