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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?

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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 are also featured in our best business credit cards with no annual fee list.

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.

You also have the chance to earn $750 bonus cash by spending $7500 within the first 3 months of account opening.

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 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.

The Ink Business Preferred Credit Card has a $95 annual fee. To help offset the fee for the first year, you can earn 100,000 bonus Ultimate Rewards points after spending $15,000 in the first 3 months. These points are worth up to $1,250 in award 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. 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 Southwest Rapid Rewards® Performance Business Credit Card cardmembers can earn 80,000 bonus points after spending $5,000 on purchases in the first 3 months of account opening. 

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. 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 American Express Blue Business Cash™ Card cardholders can earn a $250 statement credit after making $3,000 in purchases on their Card in the first 3 months.

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

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, restaurants, gas stations, and 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. Cardholders can receive 1 Free Night Award annually after their Card account anniversary. 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 the Marriott Bonvoy™ program. Certain hotels have resort fees.

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.

The annual fee is $125 (See Rates & Fees), which can easily be offset with the free annual night certificate.

New Marriott Bonvoy Business™ American Express® Card cardholders can earn 75,000 Marriott Bonvoy points after using their new card to make $3,000 on eligible purchases within the first 3 months of card membership. Plus, they can earn up to $150 back in statement credits on eligible purchases made on their new Card within the first 3 months of card membership. Terms apply. 

The 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 on 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 an additional $45,000 annually ($60,000 total 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 at hotels and resorts in the Hilton portfolio, while select business and travel purchases earn unlimited 6x points. Eligible non-bonus purchases earn 3x points (terms and limitations apply).

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.

New The Hilton Honors American Express Business Card cardholders can earn up to 180,000 Hilton Honors Bonus Points! Earn 130,000 Bonus Points after you spend $2,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard

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
  • office supply stores
  • cell phone service providers
  • restaurants

Cardholders earn 1% cash back on all other eligible net purchases.

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 providers purchases can be an easy way to earn rewards on an expense you are likely already making.

Learn more in our U.S. Bank Business Triple Cash Rewards World Elite Mastercard review.


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. These credit cards for cell phones can help you earn more rewards for your business.

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.


Chase Sapphire Preferred® Card

  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

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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.

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