Paying your phone bill with the right credit card can save you money and earn you rewards. After analyzing the top cards, I found the best options to maximize rewards or get additional cell phone benefits when paying your monthly wireless bill.
Why Pay Your Phone Bill With a Credit Card?
Here are some of the key benefits of charging your phone bill to a credit card:
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Earn rewards Many cards offer bonus categories like wireless bills where you can earn extra points, miles, or cash back This allows you to get free travel, cash back, gift cards, and more
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Cell phone protection Some cards provide coverage for damage or theft when you use it to pay your cell phone bill each month, This can save you money if you ever need to file a claim
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Introductory offers: New cardholder bonuses can give you a large lump sum of rewards when you meet minimum spending requirements. This makes signing up for a new card worth it.
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Build credit: Using a credit card responsibly and making on-time payments shows positive behavior and can improve your credit score over time.
Best Credit Cards for Phone Bills
1. Chase Ink Business Preferred
The Chase Ink Business Preferred is my top choice for small business owners to maximize rewards on phone bills. You’ll earn 3x points per $1 spent on the first $150,000 in combined purchases each cardmember year on shipping, internet, cable, phone services, and advertising with social media sites and search engines.
This popular card also comes with cell phone protection when you use it to pay your wireless bill each month. You can receive up to $1,000 per claim on a covered phone, with a maximum of three claims per 12-month period and a $100 deductible per claim. There is a $95 annual fee.
2. Ink Business Cash Credit Card
Another excellent business card option is the Ink Business Cash Credit Card. This card provides 5% cash back on the first $25,000 spent in combined purchases each account anniversary year on internet, cable, phone services, and office supply stores. There is no annual fee.
3. U.S. Bank Visa Platinum Card
For a no annual fee personal card, the U.S. Bank Visa Platinum Card offers cell phone protection when you use it to pay your wireless bill. You can receive up to $600 per claim in coverage for theft or damage to your phone. There’s a $25 deductible per claim.
While this card doesn’t earn rewards, it’s a great way to get cell phone protection without paying an annual fee. There’s also a 0% intro APR on purchases and balance transfers for 20 billing cycles.
4. Citi Double Cash Card
The Citi Double Cash Card is a straightforward cash back card with no annual fee. You’ll earn 2% cash back on all purchases – 1% when you buy plus 1% when you pay your bill. This card doesn’t offer cell phone benefits but is an excellent catch-all cash back card for your monthly phone bill and other expenses.
New cardholders can also take advantage of a 0% intro APR on balance transfers for 18 months, which is great for saving money on interest if you’re carrying a balance.
5. Chase Freedom Flex
The Chase Freedom Flex earns 5% cashback on up to $1,500 in quarterly rotating bonus categories when activated plus 3% cash back on dining, drugstores, and select streaming services. Past rotating quarters have included cell phone services.
This card also offers cell phone protection when you use it to pay your wireless bill. You can receive up to $800 per claim and $1,000 per year, with a $50 deductible per claim. There is no annual fee for this card.
6. Wells Fargo Autograph Card
The Wells Fargo Autograph Card earns unlimited 3x points on eligible cell phone, internet, streaming services, gas, transit, dining, and travel purchases. You’ll also get a 0% intro APR for 18 months on purchases and balance transfers.
While this card doesn’t offer cell phone insurance, you can maximize rewards on cell phone bills and other frequently used categories. There is a $0 annual fee.
7. U.S. Bank Altitude Connect Visa Signature Card
The U.S. Bank Altitude Connect Visa Signature Card lets you earn 4x points on prepaid hotels and car reservations booked directly in the Altitude Rewards Center. You can also earn 2x points on grocery stores, grocery delivery, dining, and streaming services and 1x points on everything else.
This card provides up to $600 in cell phone protection coverage when you use it to pay your wireless bill each month. There is a $95 annual fee that is waived the first year.
Choosing the Best Card for You
When picking a credit card to maximize rewards on phone bills, consider these key factors:
- Your monthly phone spend – choose a card with a high rewards rate on wireless bills or cell phone protection
- Whether you need a business or personal credit card
- Any annual fees on the card
- Your preferred rewards – cashback, points, or miles
- If you want additional perks like 0% intro APRs or purchase protections
Review the details of any card thoroughly before applying to make sure it’s a good fit for your spending and financial habits. Paying your bills responsibly each month is key to building credit and earning rewards over time.
Frequency of entities:
Chase Ink Business Preferred: 3
Ink Business Cash Credit Card: 1
U.S. Bank Visa Platinum Card: 1
Citi Double Cash Card: 1
Chase Freedom Flex: 1
Wells Fargo Autograph Card: 1
U.S. Bank Altitude Connect Visa Signature Card: 1
The Platinum Card® from American Express ($695 annual fee)
Cell phone protection includes reimbursement for repair/replacement costs if your cell phone is stolen or damaged, including a cracked screen. Benefits cover up to two approved claims, for a maximum of $800 per claim or $1,600 per 12-month period, when your cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid by an eligible account. A $50 deductible applies to each approved claim.
Plus earn 5x points on certain flights (up to $500,000 on flights booked directly with airlines or with American Express Travel per calendar year) and hotel stays, hundreds of dollars a year in credit for travel and shopping, and lounge access, among other high-end perks.
Terms apply (see rates and fees).
Chase Freedom Flex® ($0 annual fee)
Cell phone protection of up to $800 per claim and a total of up to $1,000 per year, with a $50 deductible per claim. A maximum of two claims can be submitted every 12 months. You must pay your monthly cell phone bill with the card to take advantage of this benefit. Plus, youll earn 5% on rotating categories you activate each quarter, as well as fixed bonus rewards in other categories including 3% on dining and 5% on travel purchased through Chase Ultimate Rewards®.
For your travel aspirations, pair this card with one of the Chase Sapphire cards for elevated redemption rates and access to travel transfer partners.
Use these CREDIT CARDS for your CELL PHONE BILL!!! – 2023
FAQ
Is it good to pay a phone bill with a credit card?
How to get credit for paying cell phone bill?
Do business credit cards pay cell phone bills?
Business credit cards can offer even better incentives for paying your cell phone bill. Here are two business credit cards we recommend for paying cell phone bills: The offers 5% cash back on cell phone, internet and cable services and office supply store purchases. The 5% cash back bonus applies to the first $25,000 spent annually.
What are the best credit cards to pay for cell phone bills?
The best personal credit cards to pay for cell phone bills are the Amex Platinum card, Capital One Venture X card, Delta Platinum card, Wells Fargo Autograph card, Citi Double Cash card, and the Freedom Unlimited card.
Can I pay my cell phone bill with a credit card?
Terms apply to American Express benefits and offers. We recommend paying your monthly cell phone bill with a credit card to earn valuable rewards or access additional benefits. We recommend considering cards like the Chase Freedom Flex®, U.S. Bank Visa® Platinum Card, and The Platinum Card® from American Express.
Which business credit card should I use for cell phone bills?
Here are two business credit cards we recommend for paying cell phone bills: The offers 5% cash back on cell phone, internet and cable services and office supply store purchases. The 5% cash back bonus applies to the first $25,000 spent annually. After that, you earn unlimited 1% cash back.
Which personal card should you use for cell phone bills?
Our favorite personal card to use for cell phone bills is the Amex Platinum card. Now, you might be wondering what this card is doing in this list — it has travel-related bonus categories and benefits as its focus.
How do I pay my cell phone bill with a rewards card?
To pay your cell phone bill with a rewards card, you should use the one that offers the best benefits. You can do this by linking your card through an autopay program or paying it online every month. Autopay is often more convenient because it ensures you won’t miss a due date.