Best Credit Card For Cell Phone

You want to maximize the return on your Cell Phone credit card spends. Since not all points are of equal value, we give the best multipliers based on the value of those points.
This is a common spend category on business cards, but it's also great on the personal side. You'd be hard-pressed to find a U.S. family who doesn't spend $1,000+ in this category every year. Some credit cards offer up to 5% cash back, while others feature perks like cell phone protection (check out our card Benefits section under Cell Phone Protection for more details). If you buy your phone through your carrier, it's an additional built-in discount. The (+) version are the cards we recommend based on multiplier. The (-) versions have limitations you should be aware of.

The Chase Ink Preferred is the only card with both a spend multiplier and cell phone insurance. Note, it covers employees only, not family.
Wyndham Rewards Earner Business Wyndham Rewards Earner Business
5X | 5.0 Per Dollar Spent
Includes telecommunications services
Wyndham Rewards »
Point System
Barclaycard »
Bank
$533
1st Year Value
45,000
Bonus Points
$3,000
Minimum Spend
1.0¢
Max Point Value
1.0¢
Max Point Value
Card Details
Wells Fargo Autograph Wells Fargo Autograph
3X | 3.9 Per Dollar Spent
Landline and cell phone providers considered telecommunication services
Wells Fargo Go Far Rewards »
Point System
Wells Fargo »
Bank
$256
1st Year Value
20,000
Bonus Points
$1,000
Minimum Spend
1.3¢
Max Point Value
1.3¢
Max Point Value
Card Details
US Bank Triple Cash Rewards Business US Bank Triple Cash Rewards Business
3X | 3.3 Per Dollar Spent
U.S. Bank FlexPerks »
Point System
US Bank »
Bank
$511
1st Year Value
50,000
Bonus Points
$4,500
Minimum Spend
1.1¢
Max Point Value
1.1¢
Max Point Value
Card Details
Explore More Spend Categories

Our Top Selections for Cell Phone (+)

Multiplier Point Value Per $ Spent
Wyndham Rewards Earner Business Wyndham Rewards Earner Business

Includes telecommunications services

 5x 1.0¢ 5.0¢
Wells Fargo Autograph Wells Fargo Autograph

Landline and cell phone providers considered telecommunication services

 3x 1.3¢ 3.9¢
US Bank Triple Cash Rewards Business US Bank Triple Cash Rewards Business 3x 1.1¢ 3.3¢
Citi Double Cash Citi Double Cash

All purchases, earn 1% cash back when you make a purchase and 1% when you pay it off

 2x 1.6¢ 3.2¢
American Airlines Citi Business American Airlines Citi Business

Includes merchants that sell telecom equipment & telecom services providers.

 2x 1.4¢ 2.8¢
US Bank Business Altitude Connect US Bank Business Altitude Connect 2x 1.1¢ 2.2¢
Marriott Bonvoy Bold Marriott Bonvoy Bold 2x 0.7¢ 1.4¢

Other Cards with Solid Value for Cell Phone (=)

Multiplier Point Value Per $ Spent
World of Hyatt Business World of Hyatt Business

Each quarter, Chase auto-selects the top 3 spend categories for 2x points. (8 categories Incl: Digital Ads, Restaurants, Gas, Shipping, Transit, Car Rental, Airlines & Internet, Cable/Phone)

 2x 1.7¢ 3.4¢
US Bank Business Leverage US Bank Business Leverage

On two highest categories per statement.

 2x 1.1¢ 2.2¢

Cards Offering Some Value for Cell Phone with Limitations (-)

Multiplier Point Value Per $ Spent
US Bank Cash Plus US Bank Cash Plus

If selected as one of two 5x categories quarterly.

 5x 1.1¢ 5.5¢