The 5 Best Personal Credit Cards for Internet, Cable & Phone Services [2025]

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

The Platinum Card^® from American Express

NEW OFFER

Terms Apply / Rates & Fees

The Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

Apply Now(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 Platinum Card^® from American Express

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

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards^® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

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

Why We Like This Card

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 & Cons

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 (enrollment required), 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)

Read Full Review

Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• 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 through American Express Travel using 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.
• Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club^® lounges when flying an eligible Delta flight (subject to visit limitations) , select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
• A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card^® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
• $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^® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• $200 Uber Cash: Platinum Card^® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
• $199 CLEAR^® Plus Credit: CLEAR^® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card^®.
• Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck^® (through a TSA official enrollment provider) application fee, 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.
• Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card^® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
• $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: Apply and find out if you’re eligible for a welcome bonus offer of as high as 175,000 points with the Amex Platinum. Welcome offers may vary and you may not be eligible for an offer.

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 (on up to $500,000 per calendar year).

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):

• The best airport lounge access of any card (American Express Global Lounge Collection), which includes access to over 1,400 lounges, such as Centurion Lounges, 10 visits to Delta Sky Clubs (when flying Delta same-day) with the ability to unlock unlimited visits through spend, Escape Lounges – The Centurion Studio Partner, International American Express Centurion Lounges, Plaza Premium Lounges, select Virgin Clubhouses, select Lufthansa Lounges, and Priority Pass lounges upon enrollment
• Access to elite-like benefits at hotels through American Express’ Fine Hotels & Resorts and The Hotel Collection
• Complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status
• Complimentary Avis Preferred Club, Hertz Gold Plus Rewards, and National Emerald Club Executive rental car elite status
• Airfare discounts via the Amex International Airline Program
• Top-notch travel insurance coverage, including trip interruption and cancellation, trip delay insurance, lost/stolen/damaged/delayed baggage, secondary rental car insurance, and emergency evacuation coverage

Other benefits include over $1,400 in statement credits (some require enrollment), 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 $199 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 upon enrollment (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

Terms Apply / Rates & Fees

Blue Cash Preferred^® Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

Apply Now(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.

Blue Cash Preferred^® Card from American Express

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.

Welcome Offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

$250

Annual Fee

$0 intro annual fee for the first year, then $95.

APR

20.24%-29.24% Variable,0% on purchases for 12 months

Credit Recommended

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

Why We Like This Card

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 U.S. 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 & Cons

Pros

• 6% cash-back at U.S. supermarkets (up to $6,000 per year)
• 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)

Read Full Review

Card Highlights

• Earn a $250 statement credit after you spend $3,000 in eligible 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 with a fixed fee. 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% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
• 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 and 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.
• $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred^® Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 20.24%-29.24% 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, and extended warranty coverage.

Capital One Venture Rewards Credit Card

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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!

Apply Now(at Capital One's secure site)

Capital One Venture Rewards Credit Card

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

Welcome Offer

Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$95

APR

Purchases: 19.99% - 29.24% (Variable)

Credit Recommended

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)

Why We Like This Card

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 & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee
• Limited elite benefits

Read Full Review

Card Highlights

• 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, vacation rentals 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 $120 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
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

• APR: Purchases: 19.99% - 29.24% (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 an up to $120 Global Entry or TSA PreCheck application fee credit, travel accident insurance, roadside dispatch, lost luggage insurance, MasterRental 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 ins and outs 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!

Citi Double Cash^® Card

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

Welcome Offer

Earn $200 cash-back after spending $1,500 on purchases in the first 6 months of account opening.

$200 cash-back

Annual Fee

$0

APR

18.24% to 28.24% Variable

Credit Recommended

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)

Why We Like This Card

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 & Cons

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

Read Full Review

Card Highlights

• 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.
• Earn a total of 5 ThankYou^® Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel^® portal.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Only Offer: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.24% – 28.24%, 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).

Financial Snapshot

• APR: 18.24% to 28.24% 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 ins and outs 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!

Chase Freedom Unlimited^®

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

Welcome Offer

Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

$200

Annual Fee

$0

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.

Credit Recommended

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

Why We Like This Card

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 & Cons

Pros

• 5% back on travel purchased through Chase Travel℠
• 3% back on dining and drugstore purchases
• 1.5% back on all other purchases

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Enjoy 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; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% 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 18.99% - 28.49%.
• 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 from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
• 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 benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.