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Whether you are a solo entrepreneur or have a team of employees, a business cell phone is a necessity for most small businesses. The best credit cards for cell phones let you earn cash rewards or travel rewards for this recurring business expense. They also come with other business perks. Which do you prefer?
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 are also featured in our best business credit cards with no annual fee list.
Chase 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, Amazon.com, 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.
You also have the chance to earn $500 bonus cash by spending $3,000 within the first 3 months of account opening.
Chase 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
All non-bonus spending earns 1 point per $1 spent on the Preferred, one of the best rewards credit cards 2019.
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 the Chase Ultimate Rewards portal. 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.
This card has a $95 annual fee. To help offset the fee for the first year, you can earn 80,000 bonus Ultimate Rewards points after spending $5,000 in the first 3 months. These points are worth up to $1,000 in award travel.
Southwest Rapid Rewards Performance Business Credit Card
The Southwest Rapid Rewards® Performance Business Credit Card is one of the best cards for earning Rapid Rewards points. You get 3x points on Southwest Airlines purchases, 2x points on phone services, Internet and cable services plus social media and search engine advertising. Non-bonus spend earns 1x Rapid Rewards points.
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 each card renewal. New cardmembers also earn 80,000 bonus Rapid Rewards points after spending $5,000 in the first 3 months of account opening.
Learn more: Travel Rewards Credit Cards
American Express Blue Business Cash Card
The American Express® Blue Business Cash Card is one of the best for earning cash rewards. You get 2% back on the first $50,000 per year on any purchase. All remaining purchases earn unlimited 1% back for the rest of the year after hitting the $50k milestone.
This card doesn’t have an annual fee (See Rates & Fees) which also makes it perfect for putting the most rewards in your pocket.
Marriott Bonvoy Business American Express 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, restaurants, gas stations, and shipping purchases earn 4x Bonvoy points. You also get 6x points on Marriott purchases 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. This free night award is redeemable at properties requiring 35,000 points or less. You get a second free night after spending $60,000 in a year.
Other Marriott Bonvoy privileges include Silver Elite status, premium on-property WiFi, and 15 Elite Night credits that give you a headstart on achieving Gold Elite status. Spending $35,000 annually also automatically upgrades you to Gold Elite status through the next calendar year.
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.
Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card can be a good fit if you spend at least $15,000 in annual purchases. This is the spending milestone to earn a free weekend night certificate which can “pay for” the $95 annual fee (See Rates & Fees). You get a second free weekend night certificate after spending $60,000 in a year.
In the meantime, you can earn purchase rewards and enjoy a few other travel perks.
In regards to purchase rewards, you get 12x points on eligible Hilton purchases made directly with a Hilton hotel or resort. U.S.-based cell phone service providers, U.S. purchases for shipping, U.S. gas stations, U.S. dining, airlines booked directly from the airline or on Amex Travel and select rental car agency bookings earn unlimited 6x points. Non-bonus purchases earn 3x points.
Your travel perks include 10 Priority Pass passes every year and automatic 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.
One of the best credit card offers of August 2019, it has a welcome bonus of 125,000 bonus points after spending $3,000 in the first 3 months. This bonus is worth up to 25 free nights.
U.S. Bank Business Select Rewards Card
The U.S. Bank Business Select Rewards lets you earn unlimited 3x points on day-to-day business spending including cell phones, shipping, advertising, utilities, and office supply stores. Non-bonus purchases earn 1 point per $1 spent.
Your points are most valuable when redeeming as a cash statement credit. Each point will be worth 1 cent each. You can also redeem for travel rewards. However, your points will be worth less than 1 cent each which is less than the industry benchmark value.
This card doesn’t have an annual fee. The signup bonus is 20,000 bonus points after spending $1,000 on eligible net purchases in the first 90 days of opening your account.
Learn more: Business Credit Cards
Summing Up the Best Business Credit Cards for Cell Phones
Whether you spend $100 or $1000 a month on your business cell phone plan, you can earn more than 1 point 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.
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.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.