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These Credit Cards Make Your Phone Bill Less Painful

These Credit Cards Make Your Phone Bill Less Painful

Million Mile SecretsThese Credit Cards Make Your Phone Bill Less PainfulMillion Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

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

Earning extra miles or cash back by paying certain bills with the right credit cards is a big part of the miles & points hobby.  Folks who pay attention to bonus categories can turn their annual spending alone into an amazing vacation!

Several cards will give you bonus points when you pay your monthly cell phone bill!  And some cards will even give you insurance on your smartphone, which could save you even more!  Insurance plans for phones can cost ~$100 per year.

Best Credit Cards To Pay Cell Phone Bills In 2017
Book Your Vacation Sooner by Using the Right Card to Pay Your Phone Bill!

I’ll show you which cards to use when paying your monthly cell phone bill!

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 situation and travel goals.

Generally, the cards that give bonuses for paying your cell phone bill are small business cards.  And you may qualify for a small business card, even if you don’t think you do!  For example, if you sell items for profit on Etsy or eBay, get paid to coach a basketball team, or freelance write, you can apply for a small business card as a sole proprietor using your Social Security Number.

Here are 4 cards to help you earn points and save money while paying your cell phone bill!

1.   Ink Business Preferred

Link:   Ink Business Preferred

Link:   My Review of the Ink Business Preferred

The Ink Business Preferred small business card is my top pick for paying your phone bill.

With the Ink Business Preferred, you’ll earn 3 Chase Ultimate Rewards points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites, and search engines per account anniversary year.

You can transfer Chase Ultimate Rewards points to valuable partner airlines and hotels like Southwest and Hyatt, or redeem them for cash back.

Best Credit Cards To Pay Cell Phone Bills In 2017
Transfer Chase Ultimate Rewards Points to Hyatt for Free Nights at Amazing All-Inclusive Resorts!

So if your cell phone bill is $90 per month, you could earn 3,240 Chase Ultimate Rewards points in a year ($90 per month X 3 points per $1 X 12 months).

Plus, when you pay your monthly cell phone bill with the Ink Business Preferred, you’ll get automatic cell phone insurance.  It includes up to $600 of protection against damage or theft, 3 times per 12-month period, after you pay a $100 deductible.

There are a few exceptions:

  • Lost phones are NOT covered
  • Covered phones must be purchased new.  Refurbished or resold phones are NOT included
  • Only covers you and your employees listed on your monthly cell phone bill

The cell phone coverage with the Ink Business Preferred card is supplemental.  So it only covers you after your other insurance plans (like 3rd-party insurance, renter’s, or homeowner’s plans).  Check out my post about the cell phone insurance that comes with the Ink Business Preferred!

2.   Chase Ink Business Cash Credit Crd

Link:   Ink Business Cash Credit Card

Link:   My Review of the Ink Business Cash

If your main concern is earning Chase Ultimate Rewards points or cash back, the Chase Ink Cash could be your best bet!

With the Chase Ink Cash, you’ll get 5% cash back (5X Chase Ultimate Rewards points) on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, and internet and cable TV services each account anniversary year.

And if you also have a Chase Sapphire Preferred, Chase Sapphire Reserve, Ink Business Preferred, or Chase Ink Bold or Ink Plus (no longer available), you can combine your points and transfer them to airline and hotel partners.

Note:   The yearly maximum for earning rewards in these bonus categories is lower on the Chase Ink Cash than the Ink Business Preferred.  But if you spend less than $25,000 per year in these categories, it won’t affect you.

3.   Wells Fargo Cards

Link:   Wells Fargo Propel 365 American Express

Link:   Wells Fargo Cash Wise Visa Card

Link:   My Review of the Wells Fargo Propel World AMEX Card 

Link:   Wells Fargo Cell Phone Protection 

As long as you pay your monthly bill with an eligible Wells Fargo card, your phone will be insured for 2 claims in a 12-month period.  Your coverage starts the month after your first phone bill payment with your Wells Fargo credit card.

Even better, the cell phone protection insurance from Wells Fargo covers the primary line and 3 other lines on the monthly statement.  That’s great for folks with multiple lines on their cell phone plan who do NOT want to pay for costly 3rd-party phone insurance.

The information related to the Wells Fargo Propel 365 American Express Card has been collected by MillionMileSecrets.com and has not been reviewed or provided by the issuer or provider of this product or service.

 

Best Credit Cards To Pay Cell Phone Bills In 2017
You Won’t Earn Bonus Points for Paying Your Phone Bill With a Wells Fargo Card. But You WILL Get Coverage for You and 3 Other Phones on Your Monthly Statement

There are some exceptions:

  • 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

Note:   Only personal credit cards are eligible for this coverage.  Business credit cards and debit cards are NOT.

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

4.   AMEX SimplyCash Plus

Link:   SimplyCash® Plus Business Credit Card from American Express

Link:   My Review of the SimplyCash® Plus Business Credit Card from American Express

Another great option for folks who prefer cash back is the SimplyCash® Plus Business Credit Card from American Express.  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 combined purchases per calendar year)

And you can register your card for AMEX offers, which sometimes has additional discounts on phone bills!

Bottom Line

Paying your cell phone bill with the right card will earn you bonus miles & points or cash back!  And some cards will even insure your phone against damage and theft when you pay your bill with the card.

Most of these credit cards are small business cards.  But you may qualify for a small business card if you have a side job, like tutoring or selling items on Amazon.

Which card do you pay your cell phone bill with and why?

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Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

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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Does the cell phone needs to be purchased with the credit card or just paying the bills with the credit card is enough to reap this benefit..