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|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|
|Ink Business Cash℠ Credit Card||50,000 Chase Ultimate Rewards points (worth $500 in cash back) after you spend $3,000 on purchases in the first 3 months from account opening|
|Wells Fargo Cash Wise Visa® Card||$200 cash rewards bonus after you spend $1,000 on purchases in the first 3 months of account opening|
|SimplyCash® Plus Business Credit Card from American Express||None|
Did you know you’re leaving money and insurance protection 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. And others even give you cell phone insurance when you use them to pay your bill. Insurance plans for phones can cost $100+ per year!
We’ll explain which cards are best to use to pay your cell phone bill!
5 Best Credit Cards to Pay Cell Phone Bills
The best card to pay your cell phone bill depends on your personal situation and travel goals.
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 using your social security number. And you don’t need to make millions to get approved!
Here are 4 cards to earn points and save money while paying your cell phone bill.
1. Chase Ink Business Preferred
The Ink Business Preferred is our 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.
So if your cell phone bill is $100 per month, you’d earn 3,600 Chase Ultimate Rewards points in a year ($100 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
2. Ink Business Cash℠ Credit Card
With the Ink Business 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.
There’s NO annual fee with this card, so it’s free to keep year after year! And if you also have a Chase Sapphire Preferred Card, Chase Sapphire Reserve, or Ink Business Preferred, you can combine your points and transfer them directly to airline and hotel partners!
Note: The yearly maximum for earning rewards in these bonus categories is lower on the Ink Business 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
As long as you pay your monthly bill with an eligible Wells Fargo card, like the Wells Fargo Cash Wise Visa® 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. You’ll be subject to just a $25 deductible per claim.
There are some exceptions:
- Lost phones are NOT covered
- Electronic failure or software issues related are NOT covered
- Coverage does NOT apply to cell phones that are rented, borrowed, or received as part of a prepaid plan
Note: Only personal credit cards are eligible for this coverage. Business credit cards and debit cards are NOT. But if you’re looking for a personal card, this one is a great option!
4. 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; then 1%).
And you can register your card for AMEX Offers, which sometimes include additional discounts on phone bills!
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 5 top picks are:
- Ink Business Preferred℠ Credit Card
- Ink Business Cash
- Wells Fargo Cash Wise Visa® Card
- SimplyCash® Plus Business Credit Card from American Express
Which card do you use to pay your cell phone bill?