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The 5 Best Personal Credit Cards for Internet, Cable & Phone Services [2024]

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Stephen Au
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Stephen Au

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Internet, cable, and phone bills always seem to creep up in price. And as the world becomes more connected, the number of services you’re paying for will probably increase.

These bills often recur regularly, whether it’s monthly, quarterly, or yearly. So any extra benefit you get by using the right credit cards will compound over time!

In this guide, we’ll show you how to maximize your internet, cable, and phone bill spending to get the most value possible.

What To Look for in a Personal Credit Card for Internet, Cable & Phone Services

This guide is focused entirely on personal cards for making internet, cable, and phone purchases.

In general, there are 2 things you should maximize when looking for one of these personal cards:

  1. Rewards
  2. Insurance (particularly for cell phone services)

In an ideal world, you’ll get both — but in practice, especially for personal credit cards, it can be difficult to get both.

You always should consider the other non-rewards benefits you can get from certain cards, including luxury travel perks.

Let’s take a look at our favorite personal cards for internet, cable, and phone services.

Hot Tip: We’ve previously written guides to the best business credit cards for internet, cable, and phone services and the best business credit cards for paying cell phone bills, so be sure to reference those if you’re looking for a business card option. We also have a guide specific to the best personal credit cards for paying cell phone bills.

The 5 Best Personal Credit Cards for Internet, Cable & Phone Services

Card Summary

SCROLL FOR MORE
CardWelcome Offer and Annual FeeBenefits
The Platinum Card® from American Express
  • Earn 80,000 points after spending $8,000 on purchases in the first 6 months.
  • Annual fee of $695 (rates & fees)
  • Best personal card for cell phone insurance
  • Access to over 1,400 worldwide lounges
  • 5x points on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points on prepaid hotels booked with AmexTravel.com
  • Annual and monthly statement credits
Blue Cash Preferred® Card from American Express
  • Earn a $250 statement credit after spending $3,000 in purchases in the first 6 months.
  • Annual fee of $0 intro annual fee for the first year, then $95 (rates & fees)
  • 6% cash-back at U.S. supermarkets, up to $6,000 per year in purchases (1% after)
  • 6% cash-back on select U.S. streaming subscriptions
  • 3% cash-back at U.S. gas stations
  • 3% cash-back on transit (including taxis, rideshares, parking, tolls, trains, and buses)
Capital One Venture Rewards Credit Card
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $95 (rates & fees)
  • 5x miles on hotels and rental cars booked through Capital One Travel
  • 2x miles on all other purchases
Citi Double Cash® Card
  • Earn $200 cash back after spending $1,500 in the first 6 months.
  • Annual fee of $0
  • 2% cash-back on all purchases — including internet, cable, and phone services — which is split into 1% back at the time of purchase and another 1% when you pay your bill.
Chase Freedom Unlimited®
  • Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
  • Annual fee of $0
  • 5% cash-back on travel purchased through the Chase Travel portal
  • 3% cash-back on dining
  • 3% cash-back at drugstores
  • 1.5% cash-back on all other purchases, including internet, cable, and phone services

The Platinum Card® from American Express

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros
  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Cons
  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Platinum card is a good cell phone card, but not necessarily because it offers any bonus rewards on cable, internet, or phone purchases.

What makes the Amex Platinum card special is that it is the best personal card for cell phone insurance.

By putting your phone bill on the Amex Platinum card, you can get coverage for your phone in the event of theft or damage, including screen damage (usually excluded from damage coverage with other cards). Every rolling 12-month period, you can be eligible for 2 approved claims with a maximum of $800 per claim or $1,600 per 12-month period with a $50 deductible per claim. Paying for phone service with the Amex Platinum card is a fantastic way to potentially save $1,500 per year.

Also, the Amex Platinum card has a huge welcome bonus and the ability to earn 5x points for flights booked directly with airlines or with AmexTravel.com.

There’s a humongous list of benefits associated with the Amex Platinum card (terms apply and some benefits require enrollment through your American Express account):

Other benefits include over $1,400 in statement credits, such as up to $200 in airline incidentals credit, up to $200 prepaid hotel credit on eligible stays, up to $240 in digital entertainment credits, up to $200 in Uber Cash for U.S. Uber rides or U.S. Uber Eats orders, up to $300 in Equinox credits, a $189 CLEAR Plus credit, and up to $100 in Saks Fifth Avenue statement credits.

To close out the card’s benefits, enjoy purchase protection, extended warranty, zero fraud liability protection, no foreign transaction fees, and access to Amex Offers (rates & fees).

Why We Like Amex Membership Rewards Points

Amex Membership Rewards points are the most valuable of any flexible points currency, according to our valuations.

Sitting at around 2.2 cents apiece, these points can be redeemed for some incredible luxury travel, easily eclipsing the 2.2 cents-per-point valuation we’ve established.

In fact, with certain redemptions, you can get upwards of 10 to 20 cents per point through the Amex transfer partners!

Nonetheless, some other ways to use your Amex points include charity donations, cash-back, statement credits, Shop with Points at Amazon, and Pay With Points via AmexTravel.com.

But you won’t get outsized value from any of these alternative redemption methods, so we always recommend transfer partnerships.

Blue Cash Preferred® Card from American Express

HIGHEST CASH BACK
Blue Cash Preferred® Card from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$250
$0 intro annual fee for the first year, then $95.
19.24%-29.99% Variable,0% on purchases for 12 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Blue Cash Preferred® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

Pros
  • 6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
  • 6% cash-back on select U.S. streaming subscriptions
  • 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
Cons
    • $0 intro annual fee for the first year, then $95 annual fee (rates and fees)
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
  • Terms Apply.
Financial Snapshot
  • APR: 19.24%-29.99% Variable,0% on purchases for 12 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Rewards Center

Redeem cash-back through your American Express account

The Amex Blue Cash Preferred card is about as good as it gets when it comes to cash-back rewards cards.

Sometimes, earning cash-back can be just as rewarded as earning points. If you’re in a cash crunch, incremental cash-back rewards can make a difference.

If you spend most of your money on eating in, at-home entertainment, and commuting, then you’ll find this card to be a great match.

Earn up to 6% cash-back with the Amex Blue Cash Preferred card:

  • 6% cash-back at U.S. supermarkets, up to $6,000 per year in purchases (1% after)
  • 6% cash-back on select U.S. streaming subscriptions
  • 3% cash-back at U.S. gas stations
  • 3% cash-back on transit (including taxis, rideshares, parking, tolls, trains, and buses)
  • 1% cash-back on other purchases

Many purchases that you might consider cable subscriptions, including Apple TV+, DirecTV Stream, Disney+, HBO Max, Hulu, Netflix, Paramount+, and Peacock, actually count as select streaming subscriptions with Amex, so keep that in mind.

For a limited time, you can also enjoy a 0% introductory APR promotion, as well as a substantial welcome bonus.

The card also offers benefits including secondary rental car insurance, purchase protection, return protection, extended warranty coverage, and no foreign transaction fees.

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More(at Capital One's secure site)
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit (670-850)

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros
  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Global Entry or TSA PreCheck application fee credit
Cons
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
Financial Snapshot
  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

In addition to a good welcome bonus with the Capital One Venture card, you’ll earn an unlimited 2x Capital One miles on every purchase — including telecom bills — with no caps or blackout dates.

It also offers benefits including a $100 Global Entry or TSA PreCheck application fee credit, travel accident insurance, roadside dispatch, lost luggage insurance, secondary rental car insurance, extended warranty, zero fraud liability, purchase security, and no foreign transaction fees (rates & fees).

Hot Tip: The Capital One Venture X Rewards Credit Card offers the same earning structure for internet, cable, and phone services, but it also has excellent cell phone insurance. Just be mindful that this is the ultra-premium version of the Capital One Venture card.

Why We Like Capital One Miles

As one of the major transferable rewards currencies, Capital One Miles is a top-tier program and its Capital One miles can be very valuable.

It has a respectable list of transfer partners, plus an array of simpler ways to use your points, depending on where you’d find the most utility.

Most of its transfer partners have 1:1 ratios, but a few have 2:1 or 2:1.5 ratios.

That said, we value Capital One miles at 1.8 cents each, so earning 2x miles on all purchases is approximately equal to a 3.6% return on spend.

To get even better redemption value via transfer partners, be sure to consult our Capital One miles best redemptions guide.

Other ways to redeem Capital One miles include gift cards, travel booked through the Capital One Travel portal, and statement credits.

Citi Double Cash® Card

Citi Double Cash® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Learn More(at our partner's secure site)
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash back
$0
0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Fair to Excellent (580-850)

The Citi Double Cash® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros
  • Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
  • Flexible redemption options
  • No annual fee
Cons
  • No bonus categories
  • 3% foreign transaction fees
  • Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Citi Double Cash® Card Travel Portal Limited Time Offer: Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi TravelSM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.
Financial Snapshot
  • APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
  • Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
Rewards Center

Citi ThankYou Rewards

The Double Cash card is deceptively simple. This card is thought of as being a good cash-back card, but it goes much deeper than that.

You’ll earn 2% cash-back on all purchases — including internet, cable, and phone services — which is split into 1% back at the time of purchase and another 1% back when you pay your bill.

Also, this card comes with a 0% balance transfer APR promotion that can help you defer interest fees from high-interest cards you might have open.

The most attractive benefit of this card is that you’ll earn your cash-back as ThankYou Rewards Points, and these points are transferable to airline and hotel partners.

Additionally, the Double Cash card offers flexible pay dates, zero liability for unauthorized purchases, a late fee pass, fraud protection, World Elite Mastercard benefits, and Citi Private Pass access.

Why We Like Citi ThankYou Rewards Points

The Double Cash card, by itself, earns ThankYou Points which can be used in a variety of ways including cash-back.

But if you pair this card with a ThankYou Rewards card such as the Citi Strata Premier℠ Card, you can open up a whole new world of redemption options including Citi’s full list of transfer partners, which can be leveraged for first and business class award travel.

That means 2x points from the Double Cash card can get a 3.2% return on spending, according to our valuation of ThankYou Points.

Other ways to use your points include cash-back, checks, direct deposit, gift cards, and travel booked through the ThankYou Rewards portal.

Chase Freedom Unlimited®

Chase Freedom Unlimited®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • 5% back on travel purchased through Chase Travel
  • 3% back on dining and drugstore purchases
Cons
    • 3% foreign transaction fee
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

The Freedom Unlimited card offers enticing cash-back rewards structures that can be converted to Ultimate Rewards points with a qualifying credit card.

Without the additional bonus as part of the welcome bonus, this card offers up to 5% cash-back:

  • 5% cash-back on travel purchased through the Chase Travel portal
  • 3% cash-back on dining
  • 3% cash-back at drugstores
  • 1.5% cash-back on all other purchases, including internet, cable, and phone services

Earning 1.5% cash-back on your internet, cable, and phone purchases is decent, but what makes this card special is the ability to convert your cash-back to Ultimate Rewards points, which we’ll outline in the next section.

Other benefits include a 0% introductory APR, purchase protection, extended warranty, fraud protection, secondary rental car insurance, and zero liability protection.

But again, the most compelling reason to use this card is to convert your 1.5% cash-back to 1.5x Ultimate Rewards points, as long as you have an eligible Ultimate Rewards card.

Hot Tip: The Chase Freedom Flex℠ offers 1% cash-back on these purchases but has cell phone insurance!

Why We Like Chase Ultimate Rewards Points

The Freedom Unlimited card is marketed as a cash-back card, but with the right Ultimate Rewards card in your portfolio complementing the Freedom Unlimited card, you can convert your cash-back to Ultimate Rewards points.

If you have a card such as the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®, you can convert your cash-back to Ultimate Rewards points at a 1% to 1x ratio, transforming your 1.5% cash-back to 1.5x points (a 3% return on spend).

You can then transfer your points to the Chase transfer partners for luxury award travel!

Final Thoughts

The best personal cards for internet, cable, and phone services are probably not exactly what you had in mind.

Most of the best credit cards for these types of purchases are business credit cards, but there are still a few solid personal cards that can help you maximize these purchases.

The Amex Platinum card has, by far, the best cell phone insurance for a personal card, so this benefit alone could be worth $1,500 per year — it’s certainly a compelling reason to put your phone bill payments on this card, even if you only earn 1x points.

The Amex Blue Cash Preferred card could be great if most of your cable and internet purchases are actually streaming purchases, maximizing your cash-back returns.

The other choices are simply solid cards for overall everyday spending; these include the Capital One Venture card, the Double Cash card, and the Freedom Unlimited card.

Now you know which personal cards to use for internet, cable, and phone services!

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information regarding the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
For rates and fees of The American Express Blue Business Cash™ Card, click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.

Frequently Asked Questions

Which credit cards are best for internet, cable, and phone services?

Our favorite personal cards for internet, cable, and phone purchases are the Amex Platinum card, the Amex Blue Cash Preferred card, the Capital One Venture card, the Double Cash card, and the Freedom Unlimited card.

What is the best credit card with cell phone protection?

The best personal card for cell phone protection is the Amex Platinum card, which can save you up to $1,500 per year on cell phone damage or theft. You can be approved for up to 2 claims every rolling 12 months, up to $800 per claim or $1,600 per 12 months with a $50 deductible per claim.

You can call the number on the back of your card to submit a claim.

Can you use credit cards to pay phone bills?

Absolutely! Almost all phone companies allow you to pay your bills with a credit card. Using a credit card allows you to access cell phone insurance and/or earn bonus rewards points.

Our favorites are the Amex Platinum card, the Ink Business Preferred card, and the Ink Business Cash card.

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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