The best credit card for phone and internet bills

On phone and internet bills, Chase Ink Business Cash earns the most with no point counted above a cent: $5.00 per $100. Value points in full at the published figures and Chase Ink Business Preferred comes out ahead.

Ranked first with no point or mile counted above a cent, what a dollar of cash back pays. A point the published valuations put lower, as most hotel points are, is counted at that lower figure. Below that, the same cards with points valued in full. Counts as: Cell plans, cable, home internet.

The short version

Earns the most: Chase Ink Business Cash, $5.00 per $100 (5x), with no annual fee.
If you value points: Chase Ink Business Preferred comes out ahead, $6.00 per $100 with its points at 2.00¢ each.
No annual fee: the top pick already has none.

Counting no point above a cent

#	Card	Earns	Point value	Per $100
1	Ink Business Cash Chase, No annual fee Office supply stores and internet, cable and phone — the first $25,000 each account year. Up to $25,000 per year, then the base rate. Points valued at 1¢ — full-value transfers to partners need Ink Business Preferred or Sapphire Preferred or Sapphire Reserve or Sapphire Reserve for Business in your wallet	5x	1.00¢ / pt	$5.00
2	Autograph Wells Fargo, No annual fee	3x	1.00¢ / pt	$3.00
3	Triple Cash Rewards Visa Business U.S. Bank, No annual fee Office supply stores, cell phone providers and restaurants	3%	1.00¢ / pt	$3.00
4	Robinhood Gold Card Robinhood, $50/yr Base rate — no bonus category applies here	3%	1.00¢ / pt	$3.00
5	Ink Business Preferred Chase, $95/yr Travel and internet, cable and phone — the first $150,000 each account year, shared with shipping and advertising. Up to $150,000 per year, then the base rate	3x	1.00¢ / pt	$3.00
6	Marriott Bonvoy Business Card American Express, $125/yr Wireless phone service bought directly from a U.S. provider — not internet or cable	4x	0.73¢ / pt	$2.92
7	Active Cash Wells Fargo, No annual fee Base rate — no bonus category applies here	2%	1.00¢ / pt	$2.00
8	Apple Card Goldman Sachs, No annual fee Only when you pay with Apple Pay — the physical titanium card earns 1%	2%	1.00¢ / pt	$2.00

If you value points

Some points are worth more than a cent if you transfer them to airlines and hotels. Here each rate is multiplied by its currency's full published valuation, the figure in the Point value column. The last column is where the card sat above.

#	Card	Earns	Point value	Per $100	Move
1	Ink Business Preferred Chase, $95/yr Travel and internet, cable and phone — the first $150,000 each account year, shared with shipping and advertising. Up to $150,000 per year, then the base rate	3x	2.00¢ / pt	$6.00	Up from 5
2	Ink Business Cash Chase, No annual fee Office supply stores and internet, cable and phone — the first $25,000 each account year. Up to $25,000 per year, then the base rate. Points valued at 1¢ — full-value transfers to partners need Ink Business Preferred or Sapphire Preferred or Sapphire Reserve or Sapphire Reserve for Business in your wallet	5x	1.00¢ / pt	$5.00	Down from 1
3	Autograph Wells Fargo, No annual fee	3x	1.50¢ / pt	$4.50	Down from 2
4	Blue Business Plus American Express, No annual fee 2x on every purchase, with no bonus categories to track. Up to $50,000 per year, then the base rate	2x	2.00¢ / pt	$4.00	Up from 10
5	Venture Rewards Capital One, $95/yr Base rate — no bonus category applies here	2x	1.80¢ / pt	$3.60	Up from 19
6	Venture X Capital One, $395/yr Base rate — no bonus category applies here	2x	1.80¢ / pt	$3.60	Up from 24
7	Atmos Rewards Ascent Visa Signature Bank of America, $95/yr	2x	1.55¢ / pt	$3.10	Up from 17
8	Triple Cash Rewards Visa Business U.S. Bank, No annual fee Office supply stores, cell phone providers and restaurants	3%	1.00¢ / pt	$3.00	Down from 3

Cards that pay more only some of the year

Freedom and Freedom Flex pay a bonus on phone and internet bills only in quarters the issuer picks it, and only after you activate it. Not ranked above, since you may not have that rate this quarter.

Cards that pay more here with a condition attached

Not ranked above because each needs a chosen category or a specific store. If that fits how you shop, these can beat the table.

Cash+ Visa Signature (U.S. Bank) — 5% if you choose Phone & Internet as one of your categories; Up to $2,000 per quarter, then the base rate.
World of Hyatt Business Card (Chase) — 2x if you choose Phone & Internet as one of your categories.
Business Gold Card (American Express) — 4x if you choose Phone & Internet as one of your categories; Up to $150,000 per year, then the base rate.
Business Advantage Customized Cash Rewards (Bank of America) — 3% if you choose Phone & Internet as your category; Up to $50,000 per year, then the base rate.

How to use this list

Check the store codes as phone and internet bills. Issuers pay by how the store is registered, not by what you bought. This page counts: Cell plans, cable, home internet.
Start with cards you have. Your highest one in the table is your card for phone and internet bills today.
Read the notes under each card. A cap or "US only" can change the answer.
Then consider a new card, judged on your whole year of spending.

Why two rankings

The first table never counts a point above a cent, so no estimate of what a transfer is worth can lift a card there; a point worth less than a cent is still counted at less. The second uses the full published valuation, an estimate with a date on it. If you redeem points for cash or gift cards, trust the first. If you transfer them to airlines and hotels, the second is closer.

Point values: published industry valuations, most recently read 2026-09. We track The Points Guy, Upgraded Points, NerdWallet, Frequent Miler and AwardWallet.