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Best credit cards for paying cell phone bills in 2020

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Best credit cards for paying cell phone bills in 2020

Joseph HostetlerBest credit cards for paying cell phone bills in 2020Million Mile Secrets Team

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You’re leaving money on the table if you’re not using the right rewards credit card to pay your monthly cell phone bills. Certain travel credit cards and cash-back credit cards give you big rewards for this common expense. Even worse, you may be leaving free phone insurance on the table, too. Some cards offer coverage so long as you use them to pay your monthly bill. Insurance plans for phones can cost $100 or more per year, so that’s a decent savings. I’ll explain which cards are best to use to pay your cell phone bill and why.

Many of the best cards that give bonuses for paying your cell phone bill are business credit cards. You can read our post on how to qualify for a small business credit card – it’s easier than you’d think. For example, if you have a freelance or independent contractor gig you could qualify as a sole proprietor and apply using your social security number as your business tax ID. You don’t need to make millions to be approved, either.

Best credit cards for cell phone bills in 2020

The information for the Ink Business Preferred Credit Card and Wells Fargo Propel has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

Card NameBonusBenefitsReviews
Ink Business Preferred Credit Card
100,000 Chase Ultimate Rewards points after you spend $15,000 on purchases in the first three months from account opening (worth $1,250 toward travel when redeemed through Chase Ultimate Rewards®)- 3 Chase Ultimate Rewards points per dollar on travel, shipping purchases, internet, cable and phone services, and advertising purchases made with social media sites and search engines (up to a maximum of $150,000 in combined purchases each account anniversary year)
- Cell phone insurance, up to $600 per claim, when paying your phone bill with the card
Ink Business Preferred review
Ink Business Cash℠ Credit Card
$500 cash back (worth 50,000 Chase Ultimate Rewards points) after you spend $3,000 on purchases in the first three months from account opening- 5% cash back (5 Chase Ultimate Rewards points per dollar) on the first $25,000 you spend in combined purchases at office supply stores and on phone, internet and cable TV services each account anniversary year, then 1%Ink Business Cash credit card review
Wells Fargo Propel American Express® card 20,000 bonus points after spending $1,000 within the first three months- Cell phone insurance, up to $600 per claim, in when paying your phone bill with the card (subject to a $25 deductible)Wells Fargo Propel review
Turn your monthly phone bill into your next vacation or cash back when you pay with certain cards. Some even come with insurance protection! (Photo by Karlis Dambrans/Shutterstock)

Best credit cards to pay cell phone bills

Ink Business Preferred® Credit Card

Best all-around card cell phone bills

Bonus

Earn 100,000 bonus Chase Ultimate Rewards points after spending $15,000 in the first three months of account opening.

Benefits

The Ink Business Preferred card’s benefits include, earning 3x Chase Ultimate Rewards points on travel, shipping purchases, internet, cable and phone services, and advertising purchases made with social media sites and search engines (up to a maximum of $150,000 in combined purchases each account anniversary year). You’ll earn one Chase Ultimate Rewards point per dollar on all other purchases.

When you pay for your cell phone bill with the card you receive cell phone protection for up to $600 per claim (up to three claims per 12-month period) against covered theft or damage, with a $100 deductible.

Read our Ink Business Preferred review for more details.

Annual fee

The Ink Business Preferred card has a $95 annual fee.

Our take

If your cell phone bill is $100 per month, you’d earn 3,600 Chase Ultimate Rewards points in a year. We estimate Chase points value to be two cents each on average. That means you’re getting a return of $72 per year in travel. Throw in the automatic phone insurance, and you can see why this is our top card for paying your phone bill.

Note the exceptions with phone coverage:

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

Apply here for the Chase Ink Business Preferred.

Ink Business Cash℠ Credit Card

Best cash-back card

Bonus

The Ink Business Cash credit card has an intro offer of $500 cash-back bonus after you spend $3,000 in purchases within the first three months of opening your account.

Benefits

Earn 5% cash back (5x Chase Ultimate Rewards points) on the first $25,000 you spend in combined purchases each year at office supply stores and on phone, internet and cable TV services each account anniversary year, then 1%. And you’ll get 2% cash back on the first $25,000 spent in combined purchases each year at gas stations and restaurants each account anniversary year, then 1%. All other purchases will earn 1% back.

Read our Ink Business Cash credit card review for more details.

Annual fee

This card has no annual fee, and consistently ranks among the best no annual fee credit cards and best business cash back credit cards.

Our take

This card doesn’t offer any kind of cell phone insurance, but it does earn you the most Chase Ultimate Rewards points or cash back of any card for your cell phone bill. Additionally, if you also have a Chase Sapphire Preferred CardChase Sapphire Reserve or Ink Business Preferred, you can combine your points and transfer them directly to Chase transfer partners like Southwest, United Airlines, Hyatt and many more.

Again, we estimate Chase points value to be two cents each. This gives you an effective 10% rebate on your phone bill.

Apply here for the Ink Business Cash℠ Credit Card.

Wells Fargo Propel American Express® card

Best no annual fee credit card for phone insurance

Bonus

The Wells Fargo Propel comes with a 20,000 point bonus (worth $200 in cash back, travel, gift cards or other rewards) after spending $1,000 in purchases within the first three months of card opening.

Benefits

The Wells Fargo Propel benefits include, 3x points on travel purchases (flights, hotels, homestays, and car rentals), eating out and ordering in, gas stations, rideshares, transit and eligible streaming services, like Apple Music, Hulu and Netflix. All other purchases earn one point per dollar. This card also has no foreign transaction fees.

Additionally, as long as you pay your monthly bill with the Amex Wells Fargo Propel card, your phone will be insured for two claims, up to $600 each, in a 12-month period. Your coverage starts the first day of the calendar month after your first phone bill payment with your Wells Fargo Propel. You’re subject to a small $25 deductible per claim. Again, there are some exceptions:

  • Lost phones aren’t covered
  • Electronic failures or software issues related aren’t covered
  • Coverage does not apply to cell phones that are rented, borrowed or received as part of a prepaid plan

Annual fee

This card has no annual fee.

Our take

Earning 3% back on a variety of purchases is an excellent deal, especially for a card with no annual fee. Plus, your points are worth one cent each when you redeem them for cash back, travel, gift cards and more.

Even better, if you have the Wells Fargo Visa® Signature® Card, you can redeem your points for 1.5 cents each toward airfare through the Wells Fargo portal. This method will effectively give you 4.5% back toward airfare for common purchases like travel and dining.

The information for the Wells Fargo Visa® Signature Card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer. 

Bottom line

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

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

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

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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The US Bank Cash+ card. No annual fee and 5% cash back on cell phone bill.

If I roll the cost of a new phone into my monthly, bill will the entire bill be able to get the 5%? Or only the services?

No question– the Ink Business Cash card is the best. Few people spend more than 25K on cell phone bills.

Hi Michael!

Agreed, as a small business owner/sole proprietor it’s tough to imagine hitting the $25k limit on the Chase Ink Business Cash for cell phone purchases only. Although I could see larger business with multiple employees having to worry about that cap if they pay multiple cell phone bills, purchase a lot at office supply stores, etc.

Is this an old article? The comments are from February.

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