The Best Business Credit Cards for Internet, Cable, and Phone Services

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As a business owner, your responsibilities are many. Often, there’s little time to be analyzing which credit card would earn the best rewards for each of your ongoing expenses. The process can be exacerbated by the fact that 1 business card alone may not be adequate to reward all of your expenses and provide the benefits your business can actually utilize.

We’re probably not going to solve this issue quickly but we can give you some immediate direction when it comes to a few common business expenditures. Our focus today is on which business credit cards are best for internet, cable, and phone service expenses.

Earning rewards for these service expenses can result in bottom-line value that can either be used to offset business expenses or fund that annual family vacation. Plus, if you select the right business credit card, you could receive additional valuable protections and benefits.

In our article today we’ll cover which business credit cards we recommend for the highest earnings on telecommunications and the additional reasons you might want to consider each specific card.

If internet, cable, and phone services are some of your highest business expenses, you will find our comparison helpful.

The Best Business Credit Cards for Internet, Cable, and Phone Services

Every business can benefit from a business credit card that earns rewards on its greatest expenses. If your business spends a lot in the telecommunication categories, you’ll want a card that rewards those specific expenses.

Let’s look at a few cards that do just that.

Ink Business Preferred® Credit Card

When it comes to earning rewards for your business internet, cable, and phone service purchases, the Ink Business Preferred card checks all the boxes. But those aren’t the only purchases that earn big with the card.

Let’s take a look at all the bonus earning categories on the Ink Business Preferred and some additional reasons you’d want to consider the card.

Best ForAdditional Earnings
Internet, cable, phone services — 3x points per dollar spent, up to $150,000 per account year for all 3x category purchases

Additional Reasons to Consider the Card

We like the Ink Business Preferred because, in addition to elevated earnings on common business expenses, the card offers flexible redemption options and valuable travel and shopping benefits/protections.

Here are our top additional reasons to consider the card:

The Ink Business Preferred comes with great benefits and earns flexible rewards that can be redeemed for travel or transferred to airline and hotel partners. To learn more about the best way to redeem Ultimate Rewards for the best value, you’ll want to review our article with our top redemption ideas.

Bottom Line: If your business spends a lot on telecom, rewards will accumulate quickly with 3x earnings on the Ink Business Preferred card. Plus, if your business spends on travel, shipping, and advertising, those categories will also receive elevated earning levels. 

Cell Phone Protection
Earning big on all your telecommunications can add dollars to your business bottom line. Image Credit: GaudiLab via Shutterstock

Ink Business Cash℠ Credit Card

Small businesses can still earn big, too, especially when you’re earning 5% cash-back on your internet, cable, and phone services. With also earning 5% cash-back at office supply stores, it won’t be difficult to maximize the earnings on the Ink Business Cash card.

Best ForAdditional Earnings
Internet, cable, phone services — 5% cash-back, up to $25,000 total per card account year for all 5% cash-back category purchases

Additional Reasons to Consider the Card

  • A generous welcome bonus
  • No annual fee
  • Cash-back is earned as valuable Ultimate Rewards points that can be transferred to premium Chase cards and redeemed for potentially greater value
  • Primary car rental insurance
  • Purchase Protection and Extended Warranty

Hot Tip: Torn between the Ink Business Preferred card and the Ink Business Cash card? We can help with that. Check out our detailed comparison of the Ink Business Preferred and the Ink Business Cash for all the information you need to decide.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

If your airline of choice is American Airlines and your business spends a lot on cable and phone services, you may want to consider American’s branded credit card. If you receive your internet via a cable or satellite provider, those merchants can also qualify for the elevated earnings.

In addition to receiving 2 miles per dollar on these purchases, you’ll enjoy the perk of a free checked bag and preferred boarding when traveling on American Airlines.

Best ForAdditional Earnings
Telecommunications, cable and satellite providers — 2 miles per dollar spent
  • 2 miles per dollar spent on American Airlines, at gas stations, and at car rental merchants
  • 1 mile per dollar, all other purchases

Additional Reasons to Consider the Card

  • Generous welcome bonus
  • First-year annual fee waived
  • Free checked bag for the cardholder and up to 4 traveling companions on the same reservation
  • Preferred boarding on American Airlines
  • $99 companion ticket after spending $30,000 in a card account year
  • 25% inflight purchase savings

Bottom Line: Airline frequent flyer miles may not be as flexible as points or cash-back, but if you travel frequently on American, the CitiBusiness Platinum Select card could be a consideration as earnings can still offset your travel expenses.

Bank of America® Business Advantage Cash Rewards Card

Group of People Working On Laptops At A Desk
Even small businesses can benefit from earning rewards on their highest expenses. Image Credit: Marvin Meyer via Unsplash

If your business spends heavily on telecommunications or computer services, and you have a strong banking relationship with Bank of America, you could potentially earn 75% more in rewards on your choice of business spending categories.

Here’s how the Bank of America Business Advantage Cash card earns cash-back.

Best ForAdditional Earnings
Telecommunications and computer services — chose 1 for 3% cash-back on up to $50,000 in purchases each calendar year
  • You can select from other 3% cash-back categories such as gas stations, business consulting services, office supply stores, TV, or travel
  • 2% cash-back on dining
  • 1% all other purchases

Preferred Rewards for Business members who have Platinum Honors Tier with Bank of America receive 75% additional cash-back, or 5.25% on their chosen 3% category, with 3.5% on dining and 1.75% on all other purchases.

Additional Reasons to Consider the Card

  • Welcome bonus worth hundreds of dollars
  • No annual fee
  • Higher earnings for banking relationship tier members
  • Introductory 0% APR on purchases for 9 billing periods
  • Travel and emergency services

Blue Business Cash™ Card from American Express

If your small business has a variety of expenses, including internet, cable, and phone services, you can earn rewards on every purchase with the Amex Blue Business Cash card.

There’s no bonus category structure to memorize or complicated redemption options. Just pay your expenses with the card and earn 2% cash-back that can be applied directly to your business bottom line.

Best ForEarnings
All purchases up to a maximum of $50,000 in spending per calendar year2% cash-back on all purchases up to $50,000, then 1% cash-back

Additional reasons to consider the card:

The Blue Business℠ Plus Credit Card from American Express

Like the Amex Blue Business Cash card, the Amex Blue Business Plus card has a simplified earning structure, however, the card earns Membership Rewards points versus cash-back.

While earning 2 Membership Rewards points per dollar spent on up to $50,000 in purchases each card account year, you’ll receive the same benefits and protections as the Amex Blue Business Cash card. The Amex Blue Business Plus card also does not charge an annual fee.

To learn more about the value of flexible Membership Rewards points, how to earn lots of points, and the best ways to redeem those points, be sure to check out our articles.

Capital One® Spark® Cash for Business

Woman Business Owner
Earning has no limits with the Capital One® Spark® Cash for Business. You’ll earn on every purchase your business makes. Image Credit: G-Stock Studio via Shutterstock

The CapOne Spark Cash card makes earning simple and easy. Plus, it doesn’t matter how much your business spends as earnings are unlimited.

With a limited-time huge welcome bonus, you could realize significant value when spending on the card.

Best ForEarnings
Every purchase your business makes — unlimited
  • 2% cash-back on every purchase

Additional Reasons to Consider the Card:

To learn more about the best Capital One Business credit cards, check out our article with a detailed comparison.

Best Cards for Internet, Cable, and Phone Service Purchases — Summary

With all the business credit cards available, few focus on rewarding the combination of internet, cable, and phone services.

If your business spends a lot in these categories, perhaps you’d appreciate a comparison of the cards we’ve mentioned in this article as they relate to earning rewards.

Here’s how the cards stack up specifically on telecom purchases and additional earning categories.

CardEarnings
Ink Business Preferred card
  • 3x Ultimate Rewards points on internet, cable, phone service, shipping, travel, and advertising, up to $150,000 per card account year
Ink Business Cash card
  • 5% cash-back on internet, cable, phone service, and office supply stores, up to $25,000 in purchases per card account year
  • 2% cash-back at restaurants and gas stations
Bank of America Business Advantage Cash card
  • 3% cash-back on your choice of 1 category that includes wireless and telecommunications, computer services, business consulting services, purchases at gas stations, office supply stores, TV, or travel
  • 2% cash-back on dining
  • 1% cash-back on all other purchases
CitiBusiness Platinum Select card
  • 2 miles per dollar spent with cable/satellite providers, telecommunications providers, American Airlines, at gas stations, and car rental merchants — no limit on earnings
Amex Blue Business Cash card
  • 2% cash-back on all purchases, up to $50,000 in purchases per card account year
Amex Blue Business Plus card
  • 2 Membership Rewards points per dollar spent on all purchases, up to $50,000 in purchases per account year
CapOne Spark Cash card
  • 2% cash-back on unlimited purchases

Bottom Line: When it comes to rewarding telecom services specifically, the Ink Business Preferred card stands out as a winner. 

Final Thoughts

Although the Ink Business Preferred card excels when it comes to earnings on internet, cable, and phone services, you could have other business expenses or priorities that make another business credit card a better choice.

A business that spends a lot on non-bonus categories such as equipment acquisition or raw materials might consider a business card with unlimited flat rate earnings such as a 2% cash-back card.

While every business owner, big or small, can benefit from a business rewards credit card, it’s important to match your highest spending categories with the rewards earning structure of the card you select.

If your business requires you to travel extensively, for example, you may want a travel rewards card that earns big on travel purchases, provides luxury travel benefits, and allows flexible travel redemptions.

Also, consider that it may take more than 1 business credit card to provide the best earnings on your highest categories of spending and to deliver all the benefits that are a priority to you.


Frequently asked questions

Which is the best credit card for internet, cable, and phone services?

The highest-earning card for internet, cable, and phone services is the Ink Business Cash card. The card earns 5% cash-back on those purchases and at office supply stores. However, the card has a limit of $25,000 in purchases per account year that can earn 5%.

The Ink Business Preferred card earns 3 Ultimate Rewards points per dollar spent on internet, cable, and phone services but has a limit of $150,000 per account year for all 3x category purchases.

Redemption options are better on the Ink Business Preferred card as points can be transferred to airline and hotel partners. Points can also be redeemed for travel at 1.25 cents each.

If you currently have a premium Chase Ultimate Rewards-earning credit card, you can transfer points earned on the Ink Business Cash card to the premium card. You can then enjoy up to 1.5 cents per point for travel redemptions and be able to transfer points to travel partners.

Do I need a business to get a business credit card?

Yes, you do need a business to get a business credit card, but it might surprise you as to what qualifies as a business.

A business can be as simple as selling on eBay, walking dogs, coaching baseball on the weekends, or another part-time activity that involves the intent to earn a profit.

Some states require you to register your business, others do not. You also do not have to have a lot of business income to apply for a business credit card.

You will need good credit, however. Your personal credit history will be used initially to determine if you’ll be approved for a business card.

Are there business credit cards with no annual fee?

There are several business credit cards that do not charge an annual fee. The Ink Business Cash card, Amex Blue Business Cash Card, and Amex Blue Business Plus card mentioned in this article are a few examples.

The Ink Business Unlimited card is another no annual fee business credit card and the CapOne Spark Cash card waives its annual fee for the first year.

Which is the best card to pay my cell phone bill?

In addition to earning 3x Ultimate Rewards points per dollar spent on your cell phone bill, the Ink Business Preferred card offers up to $600 in cell phone protection if your phone is damaged or stolen.

Christine Krzyszton

About Christine Krzyszton

Christine, who lives in Northern Michigan, travels about 300,000 miles a year despite her remote location. Her expertise is traveling the world on a weekend with no pre-determined destination in mind, letting the cost of the airfare determine where she will go. She has over four million flown miles and elite status on all three major domestic carriers.

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