Best Credit Cards for Paying Your Cell Phone Bill [2021]

If you use the best credit cards to pay your cell phone bill, you could benefit from valuable rewards or cell phone protection.
Last updated Oct 18, 2021 | By Ben Walker | Edited By Jess Ullrich
Smiling woman with cell phone

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Most cell phone bills can be paid by credit card, which offers a valuable opportunity to earn rewards for paying a monthly bill. But you shouldn’t settle for paying your cell phone bill with just any credit card. Instead, choose a card that provides bonus rewards or other benefits for paying this specific bill.

Fortunately, plenty of credit cards offer cell phone rewards and benefits. To find the right option, review our list of the best credit cards to pay your cell phone bill.

In this article

9 best credit cards for paying your cell phone bill

Card name Annual fee Rewards rate Cell phone benefit
Chase Freedom Flex $0 5% on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% at restaurants (including takeout and delivery) and drugstores; and 1% on all other purchases Cell phone protection, potential for bonus rewards
Chase Ink Business Cash Credit Card $0 5% cash back at office supply stores and on internet, cable, or phone services (up to $25,000 combined annually); 2% cash back at gas stations and restaurants (up to $25,000 combined annually); and 1% cash back on everything else Bonus rewards
Chase Ink Business Preferred $95 5X points on Lyft rides; 3X points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines; and 1X points per $1 on everything else Cell phone protection, bonus rewards
The Platinum Card from American Express $695 (See rates and fees) Terms apply 5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases Cell phone protection
The Business Platinum Card from American Express $595 (See rates and fees) 5X points on flights and prepaid hotels on Amextravel.com, 1.5X points on select business purchases and eligible purchases of $5,000 or more, and 1X points per $1 spent on other purchases Cell phone protection, wireless credit
Delta SkyMiles Reserve American Express Card $550 (See rates and fees) Terms apply 3X miles per dollar spent on purchases made directly with Delta and 1X miles for all other eligible purchases Cell phone protection
U.S. Bank Cash+ Visa Signature Card $0 5% cash back on two chosen categories (up to $2,000 quarterly), 2% cash back on one chosen everyday category, and 1% cash back on all other eligible purchases Bonus rewards
U.S. Bank Visa Platinum Card $0 None Cell phone protection
Citi Double Cash Card $0 up to 2% cash back on all purchases: 1% as you buy and 1% as you pay Bonus rewards

Chase Freedom Flex

The Chase Freedom Flex offers $200 cash back after spending $500 in the first 3 months. You can also earn 5% on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% at restaurants (including takeout and delivery) and drugstores; and 1% on all other purchases. This card has a $0 annual fee.

Cell phone benefit(s): The Freedom Flex rotating spending categories have previously included cell phone services, which means you could earn bonus cash back on your cell phone bill if that category comes back into rotation.

In addition, this credit card offers cell phone protection against theft or damages of cell phones on a bill that’s paid for with this card. You can get up to $800 per claim and up to $1,000 per year, with a maximum of two claims in a 12-month period. There’s also a $50 deductible per claim.

For more details, check out our Chase Freedom Flex review.

Seriously Powerful Cashback Card

Intro Offer

$200

Annual Fee

$0

Rewards Rate

up to 5% cash back

Benefits and Drawbacks

Benefits

  • $200 sign-up bonus
  • Up to 5% cash back on spending
  • 5% cash back on grocery store purchases (up to $12k your first year)
  • Lyft and DoorDash perks

Drawbacks

  • Has foreign transaction fee
Card Details
  • Earn $200 cash back after spending $500 on purchases in the first 3 months, plus earn 5% cash back on grocery store purchases (not including Target or Walmart; up to $12,000 in the first year)
  • 5% on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% at restaurants (including takeout and delivery) and drugstores; and 1% on all other purchases
  • Intro purchase 0% offer: 0% for 15 months then 14.99% to 23.74% (variable)

Chase Ink Business Cash Credit Card

Small business owners can use the Chase Ink Business Cash to get 5% cash back at office supply stores and on internet, cable, or phone services (up to $25,000 combined annually); 2% cash back at gas stations and restaurants (up to $25,000 combined annually); and 1% cash back on everything else. In addition to earning rewards, you also have the opportunity to earn a sign-up bonus of $750 cash back after spending $7,500 in the first 3 months. This card has a $0 annual fee.

Cell phone benefit(s): The Chase Ink Business Cash can be an excellent option for earning bonus rewards on your monthly cell phone bill. You get 5% cash back on office supply stores and internet, cable, or phone services (up to $25,000 combined annually).

For more details, check out our Chase Ink Business Cash Credit Card review.

Up to 5% Cash Back

Intro Offer

$750 cash back

Annual Fee

$0

Rewards Rate

up to 5% cash back

Benefits and Drawbacks

Benefits

  • $750 cash back sign-up bonus
  • No annual fee
  • 0% intro APR on purchases for 12 months
  • Up to 5% cash back

Drawbacks

  • Capped spending on bonus cash back categories
  • Has foreign transaction fee
Card Details
  • Earn $750 bonus cash back after spending $7,500 in the first 3 months
  • 5% cash back at office supply stores and on internet, cable, or phone services (up to $25,000 combined annually); 2% cash back at gas stations and restaurants (up to $25,000 combined annually); and 1% cash back on everything else
  • Intro purchase 0% offer: 0% for 12 months then 13.24% to 19.24% (variable)

Chase Ink Business Preferred Credit Card

The Chase Ink Business Preferred offers 5X points on Lyft rides; 3X points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines; and 1X points per $1 on everything else. You can also earn a sign-up bonus of 100,000 points after spending $15,000 in the first 3 months.

This business credit card has a $95 annual fee, but it can easily be offset by the sign-up bonus, earning potential, and other benefits. One helpful benefit includes receiving an automatic 25% bonus on your points when you use them for travel redemptions through the Chase travel portal.

Cell phone benefit(s): Similar to the Ink Business Cash, the Ink Business Preferred also offers bonus rewards if you use it to pay your cell phone bill. Specifically, you get 3X points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines.

This card also offers cell phone protection against theft or damage. When you pay your cell phone bill with your card, you can get up to $600 per claim on a covered phone, with a maximum of three claims in a 12-month period. There’s a $100 deductible per claim.

For more details, check out our Chase Ink Business Preferred review.

Hot Sign-up Bonus

Intro Offer

100,000 points

Annual Fee

$95

Rewards Rate

up to 5X points

Benefits and Drawbacks

Benefits

  • 100,000 point sign-up bonus
  • 3X points on travel and common business spending categories
  • Flexible redemption options
  • Additional employee cards at no extra cost

Drawbacks

  • Has annual fee
  • No intro 0% APR promotion offered
  • Limited business-specific benefits
Card Details
  • Earn 100,000 points after spending $15,000 in the first 3 months
  • 5X points on Lyft rides; 3X points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines; and 1X points per $1 on everything else

The Platinum Card from American Express

The Amex Platinum has a $695 annual fee, but it also has a generous welcome offer of 100,000 Membership Rewards points after spending $6,000 in the first 6 months. And you can earn 5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases.

In addition, this premium travel card provides over $1,400 of value from annual credits and other benefits, such as Priority Pass membership and complimentary elite hotel statuses. Select benefits require enrollment.

Cell phone benefit(s): The Amex Platinum comes with cell phone protection for phones on a bill that’s paid for with this card. These phones are covered for damage and theft for up to $800 per claim with a $50 deductible. You can have up to two claims per 12-month period.

For more details, check out our American Express Platinum review.

Best Luxury Travel Benefits

Intro Offer

100,000 Membership Rewards points

Annual Fee

$695

Rewards Rate

up to 5X points

Benefits and Drawbacks

Benefits

  • Earn 100,000 Membership Rewards points after spending $6,000 in the first 6 months
  • 10X points at restaurants worldwide and when you Shop Small in the U.S. (up to $25,000 in combined purchases, during your first 6 months)
  • 5X points on eligible flights and hotels
  • $200 hotel credit, $240 digital entertainment credit, $200 in Uber Cash, $300 Equinox credit, $200 airline fee credit
  • Access to Centurion and Priority Pass airport lounges
  • Select benefits require enrollment.
  • $695 annual fee. Terms apply.

Drawbacks

  • High annual fee
Card Details
  • Earn 100,000 Membership Rewards points after spending $6,000 in the first 6 months, plus 10x points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S. (up to $25,000 in combined purchases during your first 6 months)
  • 5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases
  • Terms apply

The Business Platinum Card from American Express

The Amex Business Platinum has a $595 annual fee and offers 120,000 Membership Rewards points after spending $15,000 in the first 3 months. You can also earn 5X points on flights and prepaid hotels on Amextravel.com, 1.5X points on select business purchases and eligible purchases of $5,000 or more, and 1X points per $1 spent on other purchases.

Other benefits include over $1,000 worth of annual statement credits, complimentary hotel elite statuses, and a 35% return on your points when booking eligible award flights. Select benefits require enrollment.

Cell phone benefit(s): The Amex Business Platinum offers cell phone protection for phones on a bill that’s paid for with this card. These phones are covered against damage and theft for up to $800 per claim, with a $50 deductible. You can have a maximum of two claims per 12-month period. You can also receive up to $120 in annual telephone wireless services credit. This credit is divided by month, so you can receive up to $10 in credit each month for paying your phone bill.

For more details, check out our American Express Business Platinum review.

Premium Business Rewards

Intro Offer

120,000 Membership Rewards points

Annual Fee

$595

Rewards Rate

up to 5X points

Benefits and Drawbacks

Benefits

  • Earn 120,000 points after spending $15,000 in the first 3 months
  • 0% intro APR on purchases for 12 months (then 14.24% to 22.24% APR after that)
  • 5X points on qualifying flight and hotel purchases
  • 1.5X points on select business purchases and eligible purchases of $5,000 or more
  • Up to $200 statement credit per year for airline incidental fees
  • $595 annual fee. Terms apply.

Drawbacks

  • High annual fee
  • Requires good to excellent credit
Card Details
  • Earn 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first 3 months
  • 5X points on flights and prepaid hotels on Amextravel.com, 1.5X points on select business purchases and eligible purchases of $5,000 or more, and 1X points per $1 spent on other purchases
  • Intro purchase 0% offer: 0% for 12 months then 14.24% to 22.24% (variable)
  • Terms apply

Delta SkyMiles Reserve American Express Card

The Amex Delta Reserve has a $550 annual fee and offers 3X miles per dollar spent on purchases made directly with Delta and 1X miles for all other eligible purchases. You can also earn 80,000 bonus miles (and 20,000 MQMs) after spending $5,000 in the first 3 months.

Additionally, this card offers complimentary Delta Sky Club and Centurion Lounge access. Cardholders also receive their first checked bag free, complimentary seat upgrades, and a fee credit for TSA PreCheck or Global Entry.

Cell phone benefit(s): The Amex Delta Reserve offers cell phone protection for phones on a bill that’s paid for with this card. You get up to $800 per claim for covered theft or damages, with a $50 deductible. You can make up to two claims per 12-month period.

For more details, check out our Delta Reserve Credit Card review.

Access to Delta Sky Club Lounges

Intro Offer

80,000 bonus miles (and 20,000 MQMs)

Annual Fee

$550

Rewards Rate

up to 3X miles

Benefits and Drawbacks

Benefits

  • Earn 80,000 bonus miles and 20,000 MQMs after spending $5,000 in the first 3 months
  • Generous rewards rate for Delta flyers
  • Complimentary Sky Club and Centurion Lounge access
  • No foreign transaction fee
  • $550 annual fee. Terms apply.

Drawbacks

  • High annual fee
  • Best for frequent Delta travelers
Card Details
  • Earn 80,000 bonus miles and 20,000 MQMs after you spend $5,000 on purchases in the first 3 months
  • 3X miles per dollar spent on purchases made directly with Delta and 1X miles for all other eligible purchases
  • Terms apply

U.S. Bank Cash+ Visa Signature Card

The U.S. Bank Cash+ has a $0 annual fee, so there’s no annual cost to offset. The earning rates include 5% cash back on two chosen categories (up to $2,000 quarterly), 2% cash back on one chosen everyday category, and 1% cash back on all other eligible purchases. The sign-up bonus consists of earning $200 cash back after spending $1,000 in the first 120 days.

This card doesn’t have many additional benefits, but it could make sense if you want to transfer a balance from a card with a high interest rate. Cardholders enjoy a 0% intro APR on balance transfers for 18 billing cycles on balances transferred in the first 60 days.

Cell phone benefit(s): The U.S. Bank Cash+ offers you the opportunity to earn bonus rewards when you pay your phone bill. Since you get to choose two categories each quarter to earn 5% cash back, it’s possible to select cell phone providers as one of your choices.

For more details, check out our U.S. Bank Cash+ Visa Signature review.

Cash Back in Categories You Choose!

U.S. Bank Cash+ Visa Signature Card

U.S. Bank Cash+ Visa Signature Card

U.S. Bank Cash+ Visa Signature Card

Intro Offer

$200 cash back

Annual Fee

$0

Rewards Rate

up to 5% cash back

Benefits and Drawbacks

Benefits

  • $200 sign-up bonus
  • No annual fee
  • 0% intro APR on balance transfers
  • Up to 5% cash back on eligible purchases

Drawbacks

  • Has foreign transaction fee
Card Details
  • Earn $200 cash back after spending $1,000 in the first 120 days
  • 5% cash back on two chosen categories (up to $2,000 quarterly), 2% cash back on one chosen everyday category, and 1% cash back on all other eligible purchases
  • Intro balance transfer 0% offer: 0% for 18 billing cycles on balances transferred in the first 60 days then 13.99% to 23.99% (variable)

U.S. Bank Visa Platinum Card

The U.S. Bank Visa Platinum isn’t a rewards credit card, so don’t expect any earning potential or a sign-up bonus. However, it does have a $0 annual fee and is one of the best balance transfer cards available.

Cardholders receive a 0% introductory APR on balance transfers for 20 billing cycles and 0% intro APR on purchases for 20 months from account opening.

Cell phone benefit(s): The U.S. Bank Visa Platinum also offers cell phone protection when you pay your monthly cell phone bill with this card. You can receive up to $600 per claim for covered damage or theft, with a $25 deductible. You may file up to two claims (with a maximum benefit of $1,200) per 12-month period.

For more details, check out our U.S. Bank Visa Platinum Card review.

0% introductory APR

U.S. Bank Visa Platinum Card

U.S. Bank Visa Platinum Card

U.S. Bank Visa Platinum Card

Annual Fee

$0

Benefits and Drawbacks

Benefits

  • 0% intro APR on purchases and balance transfers
  • Cell phone protection
  • No annual fee

Drawbacks

  • No rewards program
  • Balance transfer fee applies
Card Details
  • Long 0% APR period on purchases and balance transfers
  • Intro purchase 0% offer: 0% for 20 months then 14.49% to 24.49% (variable)
  • Intro balance transfer 0% offer: 0% for 20 billing cycles then 14.49% to 24.49% (variable)

Citi Double Cash Card

The Citi Double Cash has a $0 annual fee. In addition, you can earn up to 2% cash back on all purchases: 1% as you buy and 1% as you pay. This earning rate on this cashback credit card makes it easy to earn valuable rewards across a broad range of categories. You also get a 0% intro APR on balance transfers for 18 months.

Cell phone benefit(s): The Citi Double Cash doesn’t have a specific cell phone benefit, such as earning bonus rewards for paying your cell phone bill or receiving cell phone protection. But it could make sense to pay your cell phone bill with this card since it earns unlimited cashback rewards on all purchases.

If you don’t have a card with specific cell phone benefits, the Citi Double Cash could be a good alternative.

For more details, check out our Citi Double Cash Card review.

Earn Cash Back Twice

Citi Double Cash Card

Citi Double Cash Card

Citi Double Cash Card

Annual Fee

$0

Rewards Rate

up to 2% cash back

Benefits and Drawbacks

Benefits

  • 0% intro APR on balance transfers for 18 months
  • 2% cash back on all purchases - 1% when you buy and 1% when you pay
  • No annual fee

Drawbacks

  • Foreign transaction fee
  • No sign-up bonus
Card Details
  • Earn cash back twice: 1% when you buy + 1% when you pay
  • up to 2% cash back on all purchases: 1% as you buy and 1% as you pay
  • Intro balance transfer 0% offer: 0% for 18 months then 13.99% to 23.99% (variable)

FAQs

Can you pay your cell phone bill with a credit card?

Most cell phone bills can be paid with a credit card. Paying this bill with a credit card can be beneficial if you have a card like the Chase Ink Business Cash that earns bonus rewards on these payments or a card like the Amex Platinum that offers cell phone protection when you use it to pay your cell phone bill.

Is it smart to use a credit card for cell phone bills?

Paying your cell phone bill with a credit card can have multiple benefits, including earning credit card rewards and protecting the cell phones listed on your bill. Certain cards, such as the Chase Ink Preferred, offer both bonus points for paying your cell phone bill and cell phone protection. And other cards, like the Delta SkyMiles Reserve Amex, offer cell phone coverage when used to pay your bill each month.

Is extended warranty coverage the same as cell phone protection?

While both offer purchase protection, extended warranty coverage works differently than cell phone protection. A credit card that offers extended warranty coverage may extend the manufacturer's warranty on eligible purchases. Cell phone protection provides coverage against damage or theft of eligible devices.

What are the best credit cards for paying your cell phone and utility bills?

Credit cards that offer bonus rewards or other benefits are typically your best options for paying cell phone and utility bills. For example, the Citi Double Cash offers up to 2% cash back on all purchases: 1% as you buy and 1% as you pay. This could come in handy for cell phone and utility bills that typically don’t fall into bonus categories.

In addition, many credit cards offer cell phone protection if you use them to pay your monthly cell phone bill. For more details, check out our list of credit cards with cell phone protection.

Bottom line

Credit cards offer loads of benefits, from bonus rewards to helpful perks. Most of the time, earning additional bonus rewards will come down to choosing the credit card that aligns with your spending habits and lifestyle. In this case, many of the cards listed above can help you earn points or cash back whenever you pay your cell phone bill. And some of them offer cell phone insurance to help protect your expensive devices.

If you want to find the right cashback or travel credit card for other common expenses in your life, check out our lists of credit cards arranged by category.

Seriously Powerful Cashback Card

Intro Offer

$200

Annual Fee

$0

Rewards Rate

up to 5% cash back

Benefits and Drawbacks

Benefits

  • $200 sign-up bonus
  • Up to 5% cash back on spending
  • 5% cash back on grocery store purchases (up to $12k your first year)
  • Lyft and DoorDash perks

Drawbacks

  • Has foreign transaction fee
Card Details
  • Earn $200 cash back after spending $500 on purchases in the first 3 months, plus earn 5% cash back on grocery store purchases (not including Target or Walmart; up to $12,000 in the first year)
  • 5% on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% at restaurants (including takeout and delivery) and drugstores; and 1% on all other purchases
  • Intro purchase 0% offer: 0% for 15 months then 14.99% to 23.74% (variable)

Author Details

Ben Walker Ben Walker is a credit cards and travel writer at FinanceBuzz who loves helping others achieve their travel goals through financially-sound decisions. For nearly a decade, he has been using credit card points and miles for the sole purpose of traveling the world. Ben has been featured in The Washington Post, MSN, Debt.com, and Finder.com.