Do I have to register my phone for it to be covered?

No, you do not have to register your phone to be covered, but there are advantages. Chase recommends registering your phone and uploading documents such as purchase receipts to make the process easier if you have a claim. If you need to submit a claim for any cell phone-related protection, such as extended warranty, purchase protection, or Chase cell phone protection, you must submit supporting documentation. This documentation could include purchase receipts, existing insurance, repair receipts, or billing statements showing monthly cell phone bill payments.

Doesn't my homeowners or renters insurance cover my phone?

Yes, your homeowners or renters insurance policy may provide coverage for your phone. Unfortunately, coverage is limited to certain losses, such as fire and theft. Plus, nearly every homeowners/renters policy has a deductible. The typical deductible can be $500 or more, which must be paid before coverage kicks in for a covered loss.

Which is the best credit card for paying my cell phone bill?

The best credit card for paying your cell phone bill will be the one that earns rewards and provides some level of cell phone protection. The Ink Business Preferred card is a good choice because it earns valuable Ultimate Rewards points when paying your cell phone bill and delivers ongoing protection if your phone is damaged or stolen.

How does purchase protection work for cell phones?

Each credit card may have a slightly different form of purchase protection. Still, coverage for damage and theft is generally provided for an item you purchased in full or partially with your credit card. Some credit cards even cover the item if you purchased it with points earned on that card. The coverage can be offered for 90 to 120 days, depending on the credit card and where you live. There are several limitations and items not covered, so you will need to access the benefits guide you receive with your credit card to review the specific terms of the coverage.

How does the extended warranty work for cell phones?

Credit cards with extended warranty protection generally add a year to the manufacturer’s warranty for the item purchased. Terms differ, but the manufacturer’s warranty must generally be 3 years or less (5 years or less on some cards). The coverage for extended warranty matches the manufacturer’s warranty and is secondary to other insurance you might have.

The 9 Best Business Credit Cards for Paying Cell Phone Bills January 2024

Updated: May 8, 2025, 8:59pm CDT

Edited by:

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Table of Contents

Best Business Credit Cards for Paying Your Cell Phone Bill — Overview
The Best Overall Business Credit Card for Paying Your Cell Phone Bill
Best Business Cards for Earning Rewards on Cell Phone Bills
Additional Business Credit Cards for Paying Your Cell Phone Bill
Final Thoughts

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Mobile technology has become necessary in today’s fast-paced, connected environment. Many businesses have even eliminated landlines altogether and transitioned to operating their businesses solely from a smartphone. Consumers have transitioned as well. In fact, the Pew Research Center has found that 97% of all Americans now own a cell phone.

There’s no doubt that cell phones rule our world — but wireless technology can be expensive. According to the research firm J.D. Power, the average unlimited data cell phone bill has reached $157 per month. That comes out to nearly $500 a month in a household with just 3 smartphones! And, if you own a business (even a small one), your cell phone bill may well exceed those average numbers each month.

So, if you’re spending that much for your business’ cell phone service, did you know that you could leverage that expense to earn rewards for paying your cell phone bill and, in some instances, receive cell phone insurance protection?

In this article, we’ll cover how to earn rewards when paying your cell phone bill, which business credit cards offer levels of cell phone protection, and how purchase protection and extended warranty coverage work for limited cell phone protection. Let’s take a look!

Best Business Credit Cards for Paying Your Cell Phone Bill — Overview

As you’ll see in the article, some cards offer great earnings when paying your cell phone bill with your card, while others provide cell phone protection. It’s rare to find a card that offers both.

Here’s how our featured cards stack up when paying your cell phone bill.

This is just a sampling of business credit cards that may be a consideration for paying your cell phone bill. If you want to learn more about maximizing rewards in other areas of your business spending, don’t miss our piece on how to maximize rewards from your business purchases.

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Card	Welcome Bonus and Annual Fee	Cell Phone Protection and Earnings on Cell Phone Services
Ink Business Preferred^® Credit Card	Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months. Annual fee of $95	Up to $1,000 per claim, a limit of 3 claims per 12-month period, $100 deductible per claim Extended warranty, purchase protection 3x points on cell phone services
American Express^® Business Gold Card	Earn 100,000 points after you spend $15,000 on eligible purchases within the first 3 months. Annual fee of $375 (rates & fees)	Up to $800 per claim, a limit of 2 claims per 12-month period, $50 deductible per claim. Extended warranty, purchase protection 4x points on your top 2 spending categories, including monthly wireless service charges, up to $150,000 annually
Ink Business Cash^® Credit Card	Earn $350 when you spend $3,000 in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months. Annual fee of $0	Extended warranty, purchase protection 5x points on cell phone services
The American Express Blue Business Cash™ Card	Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Annual fee of $0 (rates & fees)	Extended warranty, purchase protection 2% cash-back on cell phone services
The Business Platinum Card^® from American Express	Earn 150,000 points after spending $20,000 in eligible purchases within the first 3 months. Annual fee of $695 (rates & fees)	Up to $800 per claim, a limit of 2 claims per 12-month period, $50 deductible per claim Extended warranty, purchase protection 1x points on cell phone services
Delta SkyMiles^® Reserve Business American Express Card	Limited Time Offer: Earn 110,000 miles after spending $12,000 in purchases in your first 6 months. Offer Ends 7/16/25. Annual fee of $650 (rates & fees)	Up to $800 per claim, a limit of 2 claims per 12-month period, $50 deductible per claim Extended warranty, purchase protection 1x miles on cell phone services
Delta SkyMiles^® Platinum Business American Express Card	Limited Time Offer: Earn 100,000 miles after spending $8,000 in purchases in your first 6 months. Offer Ends 7/16/25. Annual fee of $350 (rates & fees)	Up to $800 per claim, a limit of 2 claims per 12-month period, $50 deductible per claim Extended warranty, purchase protection 1x miles on cell phone services
Ink Business Unlimited^® Credit Card	Earn $750 cash back after spending $6,000 on purchases in the first 3 months Annual fee of $0	Extended warranty, purchase protection 1.5% cash-back on cell phone services
The Blue Business^® Plus Credit Card from American Express	Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Annual fee of $0 (rates & fees)	Extended warranty, purchase protection 2x points on cell phone services

The Best Overall Business Credit Card for Paying Your Cell Phone Bill

Ink Business Preferred^® Credit Card

U.P. Rating

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome OfferEarn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
90,000 points

UP's Offer Valuation*:
$1,800

Annual Fee

$95

APR

20.24% - 26.24% Variable

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection

Cons

No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
Points are worth more when you redeem for travel through Chase Travel^SM
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Member FDIC

Financial Snapshot

APR: 20.24% - 26.24% Variable
Foreign Transaction Fees: $0

Rewards Center

Chase Ultimate Rewards

Aside from being one of the best overall business credit cards, the Ink Business Preferred card shines as the go-to credit card for paying your monthly cell phone bill.

You’ll not only earn 3 valuable Ultimate Rewards points per dollar spent on your monthly wireless bill, but you’ll also receive ongoing cell phone insurance protection!

Just pay your monthly wireless bill with the card (you can set up automatic payments), and you’ll start earning Ultimate Rewards points, plus be eligible for protection.

You’ll receive up to $1,000 in coverage if your phone is accidentally damaged, stolen, or if “involuntary and accidental parting” occurs. Your employees’ cell phones are also covered if the lines are listed on your monthly cell phone bill.

Here’s everything else you need to know about Chase cell phone protection:

To be eligible, you must charge your monthly cell phone bill on your Ink Business Preferred card
Coverage is supplemental to other insurance, such as homeowners/renters policies or your wireless phone insurance program.
Up to $1,000 coverage is provided per claim after a $100 deductible
3 claims are allowed within every 12-month period ($1,800 total)
You will need to report the incident within 60 days from the date it occurred

You may qualify for additional cell phone repair or replacement coverage with the extended warranty protection or purchase protection that comes with the Ink Business Preferred card.

Here’s a summary of cell-phone-related benefits of the Ink Business Preferred:

3x Earnings — Points are earned and then deposited into your Ultimate Rewards account after each statement closes.
Chase Cell Phone Protection — Pay your monthly cell phone bill with the card and receive protection up to $1,000.
Purchase Protection — Pay for your phone in full or in part with your card (even if it’s a gift), and get 120 days of coverage for theft and damage from the date of purchase.
Extended Warranty — This protection extends the manufacturer’s warranty length (3 years or less) by an additional year.

How To File a Claim for Chase Cell Phone Protection

Chase cell phone protection covers your phone if it is damaged, stolen, or if “involuntary and accidental parting” occurs.

You can initiate a claim by calling 888-320-9956 or by calling the number on the back of your credit card to be directed to the claims administrator.

Note that you must call within 60 days of the incident and submit a completed claim form with supporting documents within 90 days of the incident.

Supporting documentation that could be requested includes:

A copy of your credit card statement reflecting that you were paying for the cell phone service during the time of the incident
An itemized receipt if you purchased a replacement phone
A copy of the police report if the phone was stolen (must report within 48 hours of the incident)
Itemized estimate for repair of the cell phone if it was damaged
Other requested documents related to substantiating the claim

If your claim is approved, you may receive the lesser of $600 (after a $100 deductible) or the cost of the replacement phone minus the $100 deductible.

Notable exclusions for Chase cell phone protection include:

Cell phone accessories
Phones purchased for resale
Theft from checked baggage on a common carrier
Mysterious disappearance

If you purchased your cell phone with your Ink Business Preferred card, you may have coverage for damage or theft under Chase’s purchase protection. Additionally, you may find the manufacturer’s warranty-related protection under the Chase extended warranty benefit.

For more information on cell phone protection, the extended warranty benefit, and purchase protection, access the Ink Business Preferred card’s benefits guide.

Bottom Line: Don’t select the Ink Business Preferred card just because of its unique cell phone benefits — it’s also a solid Ultimate Rewards-earning business card that earns 3 points per dollar on common business spending categories.

Best Business Cards for Earning Rewards on Cell Phone Bills

If you’re just starting out in business, chances are you could use additional cash added to your bottom line.

Here’s a look at 3 cards that will allow you to earn big rewards by using them to pay your cell phone bill.

American Express^® Business Gold Card

ELEVATED OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Apply Now(at Amex's secure site)

American Express^® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Welcome OfferEarn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
100,000 points

UP's Offer Valuation*:
Up to   $2,200

Annual Fee

$375

APR

18.49% - 29.24% Variable,0% on purchases for 6 months from date of account opening

Credit Recommended

Good to Excellent

Why We Like This Card

The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons

Pros

4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
- Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
Access to Amex’s The Hotel Collection

Cons

$375 annual fee (rates and fees)
No elite travel benefits like airport lounge access or elite status

Read Full Review

Card Highlights

Welcome Offer: Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 29.24% variable APR.*
Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
*Terms Apply

Financial Snapshot

APR: 18.49% - 29.24% Variable,0% on purchases for 6 months from date of account opening
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
U.S. purchases made from electronic goods retailers and software & cloud system providers
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
U.S. purchases at gas stations
U.S. purchases at restaurants, including takeout and delivery
Purchases at U.S. media providers for advertising in select media (online, TV, radio)

One of those 4x-earning categories happens to be monthly wireless telephone service charges made directly from a U.S.-based cellular provider. There’s a $150,000 cap on 4x earnings in your top 2 spending categories — after that threshold is surpassed, you’ll earn 1x point per dollar spent.

In addition to elevated earnings, the Amex Business Gold card offers the following:

Cell Phone Protection — Receive up to $1,600 in cell phone protection each year. Coverage includes cosmetic damage, including cracked screens. Cardmembers can make 2 claims per year for themselves or an employee phone. Each claim covers up to $800 in damages after paying a $50 deductible. To receive coverage, your monthly cell phone bill must be paid with your Amex Business Gold card.
Extended Warranty — Receive an additional year of warranty for products purchased in full or in part with your Amex Business Gold card when the manufacturer’s warranty is 5 years or less. The coverage provided matches that of the original warranty and is in excess of other insurance.
Purchase Protection — Charge any portion of your new phone with your card and receive 90 days of protection against damage or theft for up to $1,000 per occurrence.
Amex Offers — Amex Offers can be found on your online account home page. These offers often include statement credits or bonus Membership Rewards points earnings when spending at wireless providers such as AT&T, Verizon, Sprint, and others. You can save hundreds of dollars thanks to these targeted offers.

Ink Business Cash^® Credit Card

U.P. Rating

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Ink Business Cash^® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Welcome OfferEarn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Up to $750

UP's Offer Valuation*:
Up to $750

Annual Fee

APR

0% intro APR on purchases for 12 months; 17.49% - 25.49% variable thereafter.

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Ink Business Cash^® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 17.49% - 25.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros & Cons

Pros

Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
Travel insurance and purchase protection

Cons

Spending caps in bonus categories
Low points earning outside of bonus categories

Read Full Review

Card Highlights

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
0% introductory APR for 12 months on purchases
Member FDIC

Financial Snapshot

APR: 0% intro APR on purchases for 12 months; 17.49% - 25.49% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

With the Ink Business Cash card, you’ll earn a generous 5% cash-back on your monthly cell phone bill.

Internet, cable, phone services, and office supplies are all 5% bonus spending categories where you can earn cash back on up to $25,000 in total purchases each year.

While the Ink Business Cash card does not provide cell phone protection coverage, it offers extended warranty and purchase protection that may provide additional, yet limited, coverage.

Let’s summarize the relevant benefits of the Ink Business Cash card as they relate to your cell phone:

5% Cash-Back Earnings — Cash-back is earned in the form of Chase Ultimate Rewards points that can be redeemed for cash-back or transferred to premium Chase credit cards and redeemed for up to 50% more in value. Points could also then be transferred to airline and hotel partners for even greater potential value.
Purchase Protection — If you purchased your cell phone (in full or in part) with the Ink Business Cash card, you may qualify for Chase purchase protection, covering your purchase for 120 days from the purchase date for damage and theft.
Extended Warranty — Extended warranty coverage on the Ink Business Cash card will add an additional 1 year of warranty to the manufacturer’s warranty of 3 years or less.
0% APR on Purchases —Additionally, the Ink Business Cash card comes with an introductory 12-month 0% APR that would allow you to purchase your phone and pay for it over time with no interest charges. Regular APR, as indicated in the table above, applies after the introductory period lapses.

Bottom Line: For bonus cash-back upfront and ongoing earnings for business expenses, the Ink Business Cash card makes a fine choice for a small business card, both for purchasing your cell phone and paying your monthly cell phone bill.

The American Express Blue Business Cash™ Card

Terms Apply / Rates & Fees

The American Express Blue Business Cash™ Card

U.P. Rating

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Apply Now(at Amex's secure site)

The American Express Blue Business Cash™ Card

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Welcome OfferEarn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
$250

Annual Fee

No annual fee

APR

0% on purchases for 12 months from date of account opening, then a variable rate of, 17.49% - 27.49% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.

This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.

Pros & Cons

Pros

2% cash-back on up to $50,000 in spend, then 1% back thereafter
No annual fee
Travel and purchase protection

Cons

Not ideal for those who spend a lot on a specific category like groceries or gas

Read Full Review

Card Highlights

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply

Financial Snapshot

APR: 0% on purchases for 12 months from date of account opening, then a variable rate of, 17.49% - 27.49% Variable
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

The Amex Blue Business Cash card stands up to the competition with 2% cash back on every eligible purchase you make, including standard business expenses such as wireless phone services and office supplies, up to $50,000 per year (1% thereafter).

The card also comes with purchase protection, extended warranty coverage, an introductory 0% APR period on purchases (see table above for the regular APR after this introductory period), and periodic Amex Offers.

Here’s what you’ll get with the Amex Blue Business Cash card:

2% Cash-Back Earnings — Cash-back is automatically applied as a statement credit on subsequent monthly billing statements.
Purchase Protection — Charge any portion of your new phone with your card and receive 90 days of protection against damage or theft for up to $1,000 per occurrence.
Extended Warranty — Extended warranty coverage will provide an additional year of warranty for products purchased in full or in part with your Amex Blue Business Cash card when the manufacturer’s warranty is 5 years or less. The coverage provided matches that of the original warranty and is in excess of other insurance.
Introductory 0% APR for Purchases — Need to purchase several cell phones for your employees? Utilize the 0% APR period for 12 months from the account opening date to make your large purchase (rates & fees).
Amex Offers — Amex Offers can be found on your online account home page. These offers often include statement credits or bonus Membership Rewards points earnings when spending at wireless providers such as AT&T, Verizon, Sprint, and others. You can save hundreds of dollars on these targeted offers.

Bottom Line: The Amex Blue Business Cash card packs a lot of value. With 2% cash-back earnings on all your business expenses (up to $50,000) — including cell phone services and purchases — it’s also a good choice for paying your cell phone bill. Just remember that once you max out the $50,000, you’ll earn just 1%.

Additional Business Credit Cards for Paying Your Cell Phone Bill

When it comes to paying your cell phone bill with your credit card, you may have to decide whether you value earnings or cell phone protection, as most cards don’t offer both.

Here are some additional cards that provide either protection or decent earnings on your cell phone expenses.

The Business Platinum Card^® from American Express

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome OfferEarn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points

UP's Offer Valuation*:
Up to   $3,300

Annual Fee

$695

APR

18.49% - 29.24% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Pros & Cons

Pros

5x Membership Rewards points per $1 on flights, prepaid hotels, and short-term rentals and prepaid flight and hotel packages booked through Amex Travel
Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection (as of 10/2024).
Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)

Cons

High annual fee of $695 (rates & fees)
Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

Welcome Offer: Earn 150,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
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 10/2024.
Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Make the Business Platinum Card^® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
5X points on flights and prepaid hotels booked on AmexTravel.com
1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
1X points on other eligible purchases
Use the Business Platinum Card^® and get up to $209 back per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal).
$695 Annual Fee.
Terms Apply.

Financial Snapshot

APR: 18.49% - 29.24% Variable
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 250,000 points with the Amex Business Platinum card. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

While the Amex Business Platinum card offers just 1x earnings for cell phone expenses, you will find valuable cell phone protection when your bill is paid each month with the card.

The Amex cell phone protection covers up to $800 per claim for damage or theft. There is a limit of 2 claims per 12-month period and a $50 deductible per claim. Leased, borrowed, rented, or prepaid phones are excluded.

Hot Tip: To learn more about Amex cell phone coverage, how it works, how to file a claim, and which cards offer it, check out our overview of this benefit.

Delta SkyMiles^® Reserve Business American Express Card

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Delta SkyMiles^® Reserve Business American Express Card

U.P. Rating

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

Apply Now(at Amex's secure site)

Delta SkyMiles^® Reserve Business American Express Card

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

Welcome OfferLimited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25.
110,000 miles

UP's Offer Valuation*:
Up to   $1,320

Annual Fee

$650

APR

20.24% - 29.24% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

The Delta SkyMiles^® Reserve Business American Express Card is a premium card option for small business owners who are both frequent travelers and Delta loyalists.

While the annual fee may be steep, the card comes loaded with perks and benefits that all frequent Delta flyers are sure to love. Let’s take a look at what makes the card unique, and why it may be a great fit for your wallet.

Pros & Cons

Pros

3x miles per dollar on Delta purchases
1.5x miles per dollar on eligible transit, U.S. shipping and office supply stores, plus all eligible purchases after you spend $150,000 in a year
Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.

Cons

High annual fee
Does not earn many miles for purchases outside of Delta spend

Read Full Review

Card Highlights

Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25.
Delta SkyMiles^® Reserve Members receive 15 Visits each Medallion^® Year to the Delta Sky Club^® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
Earn 3 miles per dollar on eligible Delta purchases.
Get closer to elevated Status next Medallion^® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion^® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles^® Reserve Business American Express Card.
Receive a Companion Certificate on a First Class, Delta Comfort+^®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles^® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
When you purchase a Delta flight with your Delta SkyMiles^® Reserve Business Card, you will receive complimentary access to The Centurion^® Lounge or Escape Lounge.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles^® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles^® Reserve Business American Express Card.
Terms and limitations apply.

Financial Snapshot

APR: 20.24% - 29.24% Variable
Foreign Transaction Fees: None

Rewards Center

Delta SkyMiles Frequent Flyer Program

Delta SkyMiles^® Platinum Business American Express Card

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Delta SkyMiles^® Platinum Business American Express Card

U.P. Rating

Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.

Apply Now(at Amex's secure site)

Delta SkyMiles^® Platinum Business American Express Card

Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.

Welcome OfferLimited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25.
100,000 miles

UP's Offer Valuation*:
Up to   $1,200

Annual Fee

$350

APR

20.24% - 29.24% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

Small business owners and frequent Delta flyers can make the Delta SkyMiles^® Platinum Business American Express Card your go-to credit card.

Cardholders earn 3x SkyMiles per dollar for purchases with Delta and access benefits, including no foreign transaction fees, priority boarding, and a free checked bag for each flight (rates & fees).

Plus, you can redeem your SkyMiles for travel on Delta and its partner airlines, saving you money. It’s a no-brainer!

Pros & Cons

Pros

Save 15% on award travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees
3x SkyMiles per $1 spent on Delta and hotel purchases
1.5x SkyMiles per $1 spent on purchases of $5,000 or more, up to $100,000 per year

Cons

$350 annual fee
Does not earn transferable rewards

Read Full Review

Card Highlights

Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25.
Enjoy a Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
Get closer to elevated Status next Medallion^® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles^® Platinum Business American Express Card.
Delta SkyMiles^® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles^® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles^® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Terms and limitations apply.

Financial Snapshot

APR: 20.24% - 29.24% Variable
Foreign Transaction Fees: None

Rewards Center

Delta Air Lines SkyMiles Frequent Flyer Program

With the same cell phone protection as the Amex Business Platinum card, these Delta Branded business cards could be appropriate choices if your business involves frequent travel on Delta Air Lines.

You will earn 1 mile per dollar spent on cell phone expenses with either Delta-branded business card.

Ink Business Unlimited^® Credit Card

U.P. Rating

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome OfferEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750

UP's Offer Valuation*:
$750

Annual Fee

APR

0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter

Pros & Cons

Pros

1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter

Cons

3% foreign transaction fee

Read Full Review

Card Highlights

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC

Financial Snapshot

APR: 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

Straightforward earnings of 1.5% cash-back on every purchase make the Ink Business Unlimited card another option for paying your business cell phone bill.

Add in the benefit of purchase protection, extended warranty, and 0% APR on purchases for 12 months (regular APR, as indicated in the table above, applies after the introductory period) — and you’ll see some familiar related benefits for cell phone users.

Additional value can be realized when transferring the Ultimate Rewards points earned on this card to Chase premium credit cards for up to 50% more value.

Hot Tip: If you decide you’d rather pay with a personal card, check out these personal credit cards for paying your cell phone bill.

The Blue Business^® Plus Credit Card from American Express

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Apply Now(at Amex's secure site)

The Blue Business^® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Welcome OfferEarn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points

UP's Offer Valuation*:
Up to   $330

Annual Fee

No annual fee

APR

0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.

Credit Recommended

Good to Excellent

Why We Like This Card

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business^® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros & Cons

Pros

2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
Purchase protection and extended warranty protection
No annual fee and employee cards at no additional cost

Cons

No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
No elite travel benefits like lounge access or elite status

Read Full Review

Card Highlights

Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply.

Financial Snapshot

APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

Earning valuable Membership Rewards points when paying your cell phone bill is a positive, but this card will also earn 2x points on everyday business purchases, up to $50,000 per year. After that, you’ll receive 1x earnings.

In addition to earning 2x points per dollar spent, you’ll enjoy American Express purchase protection and extended warranty benefits.

Final Thoughts

It wouldn’t be prudent to select a business credit card based solely on cell phone benefits, but ensuring you’re paying your cell phone bill with a card that earns rewards (and ideally offers some level of protection) does make sense.

If cell phone services are a significant expense to your business, the Ink Business Preferred card or the Amex Business Gold card may be your best choice for both earning rewards and receiving ongoing protection for you and your employee’s phone service paid for with the card.

For the cell phone protection benefit of the American Express^® Business Gold Card, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12 month period. Eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the purchase protection benefit of the American Express^® Business Gold Card, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of the American Express^® Business Gold Card, when an American Express^® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of The American Express Blue Business Cash™ Card, when an American Express^® card member charges a covered purchase with their eligible card, purchase protection can help protect their covered purchases for up to 90 days from the covered purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of The American Express Blue Business Cash™ Card, when an American Express^® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the cell phone protection benefit of The Business Platinum Card^® from American Express, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12 month period. Eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the cell phone protection benefit of the Delta SkyMiles^® Reserve Business American Express Card, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12 month period. Eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the cell phone protection benefit of the Delta SkyMiles^® Platinum Business American Express Card, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12 month period. Eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the purchase protection benefit of The Blue Business^® Plus Credit Card from American Express, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of The Blue Business^® Plus Credit Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.