Best Credit Cards to Pay Cell Phone Bills

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Best Credit Cards to Pay Cell Phone Bills

Million Mile SecretsBest Credit Cards to Pay Cell Phone BillsMillion Mile Secrets Team

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Card Name Bonus
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
Wells Fargo Propel American Express® Card30,000 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!

Turn Your Monthly Phone Bill Into Your Next Vacation or Cash Back When You Pay With Certain Cards. Some Even Come With Insurance Protection!

We’ll explain which cards are best to use to pay your cell phone bill!

5 Best Credit Cards to Pay Cell Phone Bills

Link:   Step-by-Step: How to Complete a Chase Business Card Application

Link:   Take My Hand! I’ll Guide You Through Applying for an AMEX Small Business Card

The best card to pay 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.  And you may qualify for a small business card without realizing it!

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

Link:   Ink Business Preferred℠ Credit Card

Link:   Our Review of the 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.

You can transfer Chase Ultimate Rewards points to valuable partner airlines and hotels like Southwest and Hyatt, or redeem them for cash back.  They’re our favorite kind of points!

Best Credit Cards To Pay Cell Phone Bills
Transfer Chase Ultimate Rewards Points to Hyatt for Free Nights at Amazing All-Inclusive Resorts, Like the Hyatt Ziva Puerto Vallarta!

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

Million Mile Secrets team member Keith has the Ink Business Preferred and filed a claim after damaging his iPhone screen.  He got a reimbursement of $55, which offset the cost of the repair!

2.  Ink Business Cash℠ Credit Card

Link:   Ink Business Cash℠ Credit Card

Link:   Our Review of the Ink Business Cash

If you want to earn the most Chase Ultimate Rewards points or cash back, the Ink Business Cash℠ Credit Card is the best choice for paying your cell phone bill!

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, 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

Link:   Wells Fargo Cash Wise Visa® Card

Link:   Wells Fargo Cell Phone Protection

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.

Best Credit Cards To Pay Cell Phone Bills
You Won’t Earn Bonus Points for Paying Your Phone Bill With a Wells Fargo Card. But You WILL Get Coverage of Up to $1,200 per Year

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

Link:   SimplyCash® Plus Business Credit Card from American Express

Link:   Our 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; then 1%).

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

5.   Wells Fargo Propel American Express® Card

Link:   Wells Fargo Propel American Express® Card

The cell phone protection offered through the AMEX Wells Fargo Propel card is identical to the protection you get with the Wells Fargo Cash Wise Visa® 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 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 5 top picks are:

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 use to pay your cell phone bill?

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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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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

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