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.
Chase Ink Business Cash Chase Ink Business Cash
5X | 8.0 Per Dollar Spent
Earn 5x on the first $25,000 spent on office supply stores, internet, cable, and phone services combined every year
Chase Ultimate Rewards »
Point System
JP Morgan Chase »
Bank
$1,298
1st Year Value
75,000
Bonus Points
$7,500
Minimum Spend
1.6¢
Max Point Value
1.6¢
Max Point Value
Card Details
Chase Ink Business Preferred Chase Ink Business Preferred
3X | 4.8 Per Dollar Spent
For up to $150,000 in purchases annually between travel, shipping, internet, cable, phone & internet advertising.
Chase Ultimate Rewards »
Point System
JP Morgan Chase »
Bank
$1,600
1st Year Value
100,000
Bonus Points
$8,000
Minimum Spend
1.6¢
Max Point Value
1.6¢
Max Point Value
Card Details
Southwest Rapid Rewards Premier Southwest Rapid Rewards Premier
2X | 2.6 Per Dollar Spent
Earn 2 points for each $1 spent on phone services on all Southwest Cards.
Southwest Rapid Rewards »
Point System
JP Morgan Chase »
Bank
$495
1st Year Value
50,000
Bonus Points
$1,000
Minimum Spend
1.3¢
Max Point Value
1.3¢
Max Point Value
Card Details
Explore More Spend Categories

Our Top Selections for Cell Phone (+)

Multiplier Point Value Per $ Spent
Chase Ink Business Cash Chase Ink Business Cash

Earn 5x on the first $25,000 spent on office supply stores, internet, cable, and phone services combined every year

 5x 1.6¢ 8.0¢
Chase Ink Business Preferred Chase Ink Business Preferred

For up to $150,000 in purchases annually between travel, shipping, internet, cable, phone & internet advertising.

 3x 1.6¢ 4.8¢
Southwest Rapid Rewards Premier Southwest Rapid Rewards Premier

Earn 2 points for each $1 spent on phone services on all Southwest Cards.

 2x 1.3¢ 2.6¢

Other Cards with Solid Value 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¢
American Airlines Citi Business American Airlines Citi Business

Includes merchants that sell telecom equipment & telecom services providers.

 2x 1.4¢ 2.8¢
Southwest Rapid Rewards Performance Business Southwest Rapid Rewards Performance Business

Earn 2 points for each $1 spent on phone services on all Southwest Cards until December 31, 2025

 2x 1.3¢ 2.6¢
Southwest Rapid Rewards Plus Southwest Rapid Rewards Plus

Earn 2 points for each $1 spent on phone services on all Southwest Cards until December 31, 2025

 2x 1.3¢ 2.6¢
Southwest Rapid Rewards Priority Southwest Rapid Rewards Priority

Earn 2 points for each $1 spent on phone services on all Southwest Cards.

 2x 1.3¢ 2.6¢
US Bank Business Altitude Connect US Bank Business Altitude Connect 2x 1.1¢ 2.2¢
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 1.0¢ 2.0¢
Marriott Bonvoy Bold Marriott Bonvoy Bold 2x 0.7¢ 1.4¢

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

Multiplier Point Value Per $ Spent
US Bank Shopper Cash Rewards US Bank Shopper Cash Rewards

If selected as one of two 6x categories quarterly.

 6x 1.1¢ 6.6¢
US Bank Cash Plus US Bank Cash Plus

If selected as one of two 5x categories quarterly.

 5x 1.1¢ 5.5¢
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¢
Bank of America Customized Cash Rewards Bank of America Customized Cash Rewards

3% cash back in the category of your choice

 3x 1.0¢ 3.0¢
US Bank Business Leverage US Bank Business Leverage

On two highest categories per statement.

 2x 1.1¢ 2.2¢