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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 Propel American Express® card||30,000 bonus points after spending $3,000 within the first 3 months|
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!
3 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 Propel American Express® card
Link: Wells Fargo Propel American Express® card
As long as you pay your monthly bill with the AMEX Wells Fargo Propel card, your phone will be insured for 2 claims, of 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. And you are subject to just a $25 deductible per claim. That said, 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
Along with the great cell phone coverage, the Wells Fargo Propel American Express card comes with a 30,000 point bonus (worth $300 in cash back, travel, gift cards, or other rewards) after spending $3,000 in purchases within the first 3 months of card opening. And you’ll get:
- 3 points per $1 spent on travel purchases (flights, hotels, homestays, and car rentals)
- 3 points per $1 spent on eating out and ordering in
- 3 points per $1 spent on gas stations, rideshares, and transit
- 3 points per $1 spent on eligible streaming services, like Apple Music, Hulu, and Netflix
- 1 point per $1 for all other purchases
- NO foreign transaction fees
- NO annual fee
Earning 3% back on a variety of different purchases is an excellent deal. Especially for a card with no annual fee! Plus, your points are worth 1 cent a piece when you redeem them for cash back, travel, gift cards, and more!
And 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. Meaning you’ll effectively get 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.
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:
Which card do you use to pay your cell phone bill?