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Whether you are a solo entrepreneur or have a team of employees, a business cell phone is pretty much a necessity. Some of the best credit cards for cell phones let you earn cash rewards or travel rewards for this recurring business expense—while also providing cell phone protections and insurance for damages. They also come with other business perks, such as exclusive partnerships with digital brands, Global Entry, free upgrades when traveling, and more.
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Best Business Credit Cards for Cell Phones
As exemplified in the best business credit cards for office supplies post, credit cards often pay bonus points on Internet and cable services in addition to cell phone service. This makes it possible to earn cash or travel rewards on the business purchases you use to communicate with your clients.
Some of the cards listed below, in no particular order, are also featured in our best business credit cards with no annual fee list.
- Ink Business Cash® Credit Card
- Ink Business Preferred® Credit Card
- Southwest® Rapid Rewards® Performance Business Credit Card
- The American Express Blue Business Cash™ Card
- Marriott Bonvoy Business® American Express® Card
- The Hilton Honors American Express Business Card
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Ink Business Cash Credit Card
The Chase Ink Business Cash® Credit Card doesn’t charge an annual fee and earns some of the highest rewards for cell phone expenses. You get 5% cash back in the first $25,000 in combined spending at office supply stores and Internet, phone, and cable services.
The first $25,000 in combined spending for gas stations and restaurants earns 2% back. All non-bonus spending earns an unlimited 1% back. All points are worth 1 cent each and redeemable for travel, cash, Apple, or gift card rewards.
One nice advantage of the best Chase business credit cards is that landline phone service plans also qualify for bonus points.
This card doesn’t provide cell phone insurance, but you can still get up to extended warranty protection and purchase protection on select purchases. Another unique perk is the primary rental car collision and damage protection. This coverage covers rental car damage up to the car’s cash value.
New Ink Business Cash® Credit Card cardholders can earn a $750 bonus cash back after spending $6,000 on purchases in the first 3 months from account opening.
Related: Best No Annual Fee Travel Credit Cards
Ink Business Preferred Credit Card
Using the Chase Ink Business Preferred® Credit Card lets you earn 3 points per $1 spent on the first $150,000 in combined spending for select business purchases. These categories are:
- Internet, phone, and cable services
- Shipping purchases
- Social media and search engine advertising
- Travel
All non-bonus spending earns 1 point per $1 spent on the Preferred, one of the best rewards credit cards.
You also get cell phone protection up to $600 per claim for theft and damage. Up to 3 claims per year can be filed with a $100 deductible per claim. That is a great perk and one that is always fun to be reminded of in your bookkeeping service in your year-end review.
This card is ideal if you like redeeming points for business travel. Each point is worth 1 cent each when redeemed for cash rewards. However, they are worth 1.25 cents each when booking travel on Chase Travel℠. You might even get more value when transferring points to airline and hotel loyalty program partners like Southwest Airlines, World of Hyatt, and United Airlines and book directly through them.
The Ink Business Preferred Credit Card has a $95 annual fee.
New Ink Business Preferred® Credit Card cardholders can earn 100k bonus points after spending $8,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠.
Southwest Rapid Rewards Performance Business Credit Card
An airplane credit card that is also one of the best credit cards for cell phones? The Southwest® Rapid Rewards® Performance Business Credit Card is one of the best cards for earning Rapid Rewards points.
The Southwest® Rapid Rewards® Performance Business Credit Card earns:
- 4x points on Southwest® purchases
- 3x points on Rapid Rewards® hotel and car rental partners
- 2x points on rideshares
- 2x points on social media and search engine advertising, internet, cable, and phone services
- 1x points on all other purchases
Cardholders also get unlimited tier qualifying points (TQPs) that can be earned toward A-List status. There is also a $500 annual fee credit for Rapid Rewards points transfers.
Additional Southwest perks include four Upgrade Bookings per year (when available) and 365 in-flight WiFi credits. Your Global Entry or TSA PreCheck application fee is also reimbursed to save you up to $100.
Note that the annual fee for this Southwest credit card option is $199. You get 9,000 bonus Rapid Rewards points for each card renewal.
New Southwest® Rapid Rewards® Performance Business Credit Card card members can earn 80,000 points after spending $5,000 on purchases in the first 3 months from account opening.
Related: What Are The Best Business Credit Cards For Airline Miles?
The American Express Blue Business Cash Card
The American Express Blue Business Cash™ Card is one of the best for earning cash rewards.
Cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement.
Cash back earned is automatically credited to your statement.
It also comes with Expanded Buying Power which gives cardholders the ability to spend beyond their credit limit. Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.
New The American Express Blue Business Cash™ Card cardholders can earn a $250 statement credit after they make $3,000 in purchases on their Card in their first 3 months.
This is also one of the best American Express business cards available.
This card has a $0 annual fee (See Rates & Fees) which also makes it perfect for putting the most rewards in your pocket.
Related: Amex Blue Business vs Chase Ink Cash: Who Wins?
Marriott Bonvoy Business American Express Card
You may be surprised to find that one of the best credit cards for cell phones is a hotel credit card. Your cell phone service plans help you earn free hotel nights with the Marriott Bonvoy Business® American Express® Card. U.S.-based wireless telephone services, restaurant purchases worldwide, U.S. gas stations, and U.S. shipping purchases earn 4x Bonvoy points. You also earn 6x points at hotels participating in the Marriott Bonvoy® program and 2x points on everything else.
One of the most exciting reasons to own one of the best Marriott credit cards, besides the many bonus categories, is the free hotel certificate you get each card renewal.
Marriott Bonvoy Business® American Express® Card cardholders can receive 1 Free Night Award annually after their Card renewal month. Plus, they can earn an additional Free Night Award after spending $60k in purchases on their Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Additional Perks
Other Marriott Bonvoy privileges include Gold Elite status.
Although this is a hotel rewards card, you can also use your points for booking award flights. The Marriott Bonvoy Air+Car program lets you convert points to air miles with over 40 airlines. Most airlines have a 3 Bonvoy points to 1 air mile ratio.
The annual fee is $125 (See Rates & Fees), which can easily be offset with the free annual night certificate.
Plus, receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when booking directly. Terms and Conditions Apply.
New Marriott Bonvoy Business® American Express® Card cardholders can earn 3 Free Night Awards after using their new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
The Hilton Honors American Express Business Card
If you are a loyal Hilton guest, this card is for you. The Hilton Honors American Express Business Card can be a good fit if you spend at least $15,000 on annual purchases. This is the spending milestone to earn a Free Night Reward which can “pay for” the $95 annual fee (See Rates & Fees). You get a second Free Night Reward after spending an additional $45,000 annually.
In the meantime, you can earn purchase rewards and enjoy a few other travel perks.
Cardholders earn Hilton Honors bonus points for each dollar of eligible purchases on their Card:
- 12x at hotels and resorts in the Hilton portfolio
- 6x at:
- U.S. gas stations
- U.S. purchases for shipping
- On wireless telephone services purchased directly from U.S. service providers
- On flights booked directly with airlines or with Amex Travel
- Also on car rentals booked directly from select car rental companies
- At U.S. restaurants
- 3x on all other eligible purchases
New The Hilton Honors American Express Business Card cardholders earn 130,000 Hilton Honors Bonus Points after spending $3,000 in purchases within the first three months of Card Membership.
Additional Hilton Hotel Perks
This is one of the best Hilton credit cards. Your travel perks include 10 Priority Pass passes every year (once enrolled) and Hilton Honors Gold Elite status. Gold Elite benefits include complimentary breakfast at all hotels, space-available room upgrades, and 80% bonus points on Hilton stays. Getting the 5th night free on a 5+ night reward stay can also reduce your business spending.
It also has one of the best credit card offers.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard
The information for the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is a no-annual fee card that earns triple cash back on select purchases that are common purchases for many business owners and employees (See Rates & Fees).
Cardholders can earn 3% cash back on select eligible purchases at:
- gas stations and EV charging stations
- office supply stores
- cell phone service providers
- restaurants
Additionally, earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center.
Cardholders earn 1% cash back on all other eligible net purchases.
Another perk of this card is the ability to pay over time. Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
New U.S. Bank Business Triple Cash Rewards World Elite Mastercard® cardholders can earn $500 in cash back after spending $4,500 on the Account Owner’s card in the first 150 days of account opening.
Additionally, cardholders can enjoy an annual $100 statement credit for recurring software subscription expenses. Such expenses include FreshBooks or QuickBooks.
There are no limits on how much total cash back can be earned. Additionally, rewards won’t expire.
Earning 3% cash back on eligible cell phone service provider purchases can be an easy way to earn rewards on an expense you are likely already making.
Read more in our U.S. Bank Business Triple Cash Rewards World Elite Mastercard review.
Summary
Whether you spend $100 or $1,000 a month on your business cell phone plan, you can earn more than 1x point/mile per $1 spent. As with some of the best credit cards for travel purchases, the points you earn from these recurring charges help you redeem rewards points sooner. These credit cards for cell phones can help you earn more rewards for your business.
Related Articles:
- Best Credit Card Reviews 2022: Miles, Points, Cash Back, & More
- Credit Cards With an Annual Free Hotel Night Reward
- The Best Credit Cards for Online Shopping 2022
For rates and fees of The American Express Blue Business Cash™ Card, please click here.
For rates and fees of The Hilton Honors American Express Business Card, please click here.
And For rates and fees of the Marriott Bonvoy Business® American Express® Card, please click here.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
