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Best credit cards to pay cell phone bills

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Best credit cards to pay cell phone bills

Joseph HostetlerBest credit cards to pay cell phone billsMillion Mile Secrets Team

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You’re leaving money on the table if you’re not using the right card to pay your monthly cell phone bills. Certain 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. I’ll explain which cards are best to use to pay your cell phone bill and why.

Card NameBonusBenefitsReviews
Ink Business Preferred℠ Credit Card
80,000 Chase Ultimate Rewards points (worth $800 in cash back or $1,000 in travel) after you spend $5,000 on purchases in the first 3 months from account opening- 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 3 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® card20,000 bonus points after spending $1,000 within the first 3 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

The best card to use for your cell phone bill depends on your personal situation and travel goals.

Generally, the cards that give bonuses for paying your cell phone bill are small business 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 sell items for profit on Amazon or eBay, get paid to coach a sports team, or freelance in most industries, you can apply for a small business card as a sole proprietor simply by using your social security number. You don’t need to make millions to be approved, either.

Here are three cards to earn points and save money while paying your cell phone bill.

Ink Business Preferred℠ Credit Card

Best all-around card cell phone bills

Bonus

Earn 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first three months from account opening. You can redeem those points for $800 cash back, or use them with valuable Chase transfer partners to get potentially thousands of dollar in value. Read our post detailing the best ways to use Chase points.

Benefits

The Ink Business Preferred card earns 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). You’ll earn one Chase Ultimate Rewards points per dollar on all other purchases.

When you pay for you 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 2 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 credit card for earning Chase Ultimate Rewards points

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 (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%. And you’ll get 2% cash back on the first $25,000 spent in combined purchases 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.

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 2 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 American Express card 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

  • 3 points per dollar spent on travel purchases (flights, hotels, homestays, and car rentals)
  • 3 points per dollar spent on eating out and ordering in
  • 3 points per dollar spent on gas stations, rideshares, and transit
  • 3 points per dollar spent on eligible streaming services, like Apple Music, Hulu and Netflix
  • 1 point per dollar for all other purchases
  • 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 Amex 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

Check out this benefits guide for more details.

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 1 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 related to the Wells Fargo Visa Signature Card and the Wells Fargo Propel American Express card has been collected by Million Mile Secrets and has not been reviewed or provided by the issuer or provider of this product or service.

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.  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.

Let me know which card you use to pay your cell phone bill. And subscribe to our newsletter for more quick guides to getting the most from your credit card.

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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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.

Ink (regular) because no annual fee and 5% rebate for cell phone

AMEX no longer accepts AT&T, so please revise the article. They only take Sprint, Verizon and T Mobile.

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