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

The highest-earning card for internet, cable, and phone services is the Ink Business Cash card. The card earns 5% cash-back on those purchases and at office supply stores. However, the card has a limit of $25,000 in purchases per account year that can earn 5%. The Ink Business Preferred card earns 3 Ultimate Rewards points per dollar spent on internet, cable, and phone services but has a limit of $150,000 per account year for all 3x category purchases. Redemption options are better on the Ink Business Preferred card as points can be transferred to airline and hotel partners. Points can also be redeemed for travel at 1.25 cents each. If you currently have a premium Chase Ultimate Rewards-earning credit card, you can transfer points earned on the Ink Business Cash card to the premium card. You can then enjoy up to 1.5 cents per point for travel redemptions and be able to transfer points to travel partners.

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

Yes, you do need a business to get a business credit card, but it might surprise you as to what qualifies as a business. A business can be as simple as selling on eBay, walking dogs, coaching baseball on the weekends, or another part-time activity that involves the intent to earn a profit. Some states require you to register your business, others do not. You also do not have to have a lot of business income to apply for a business credit card. You will need good credit, however. Your personal credit history will be used initially to determine if you’ll be approved for a business card.

Are there business credit cards with no annual fee?

There are several business credit cards that do not charge an annual fee. The Ink Business Cash card, Amex Blue Business Cash card, and Amex Blue Business Plus card mentioned in this article are a few examples. The Ink Business Unlimited card is another no annual fee business credit card and the Capital One Spark Cash card waives its annual fee for the first year.

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

In addition to earning 3x Ultimate Rewards points per dollar spent on your cell phone bill, the Ink Business Preferred card offers up to $1,000 in cell phone protection if your phone is damaged or stolen.

The 7 Best Business Credit Cards for Internet, Cable, and Phone Services [2024]

Updated: December 18, 2024, 1:27am CST

Edited by:

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The Best Business Credit Cards for Internet, Cable, and Phone Services — Overview
Best Business Credit Cards for Internet, Cable, and Phone Services — Summary
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.

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

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

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

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

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

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

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

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

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Card	Welcome Offer and Annual Fee	Benefits
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	3x points 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
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	5% cash-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
CitiBusiness^® / AAdvantage^® Platinum Select^® Mastercard^®	Earn 75,000 bonus miles after spending $5,000 in the first 5 months. Annual fee of $0 intro annual fee for the first year, then $99	2x miles on American Airlines, telecommunications, satellite and cable providers, car rentals, and at gas stations
Bank of America^® Business Advantage Customized Cash Rewards credit card	Earn a $300 statement credit after spending $3,000 in the first 90 days Annual fee of $0	Earn 3% cash-back at gas stations and office supply stores (up to $250,000 each calendar year)
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)	2% cash-back on all eligible purchases up to $50,000 per year
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)	2x points on all purchases up to $50,000 per year
Capital One Spark Cash Plus Card	$2,000 cash-back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year. Annual fee of $150	2% cash-back on all purchases Annual $200 bonus when spending $200,000

Ink Business Preferred^® Credit Card (Top Pick)

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

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.

Apply Now(at Chase's secure site)

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. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.
90,000 points

UP's Bonus Valuation*:
$1,800

Annual Fee

$95

APR

20.49% - 26.49% 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. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
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 25% more when you redeem for travel through Chase Travel℠
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: 20.49% - 26.49% Variable
Foreign Transaction Fees: $0

Rewards Center

Chase Ultimate Rewards

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

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Best For	Additional Earnings
Internet, cable, phone services — 3x points per dollar spent, up to $150,000 per account year for all 3x category purchases	3x points per dollar spent on travel purchases 3x points per dollar on shipping 3x points per dollar on advertising on social media and search engines 1 point per dollar, all other purchases

Additional Reasons To Consider the Card

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

Here are our top additional reasons to consider the card:

Lower annual fee
Earns 3x Ultimate Rewards points on common business purchases
Redeem points for travel at 1.25 cents per point
Transfer points to airline partners for potentially greater value
$1,000 in cell phone protection coverage
Primary car rental insurance
No foreign transaction fees
Purchase protection and extended warranty shopping protections

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

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

Ink Business Cash^® Credit Card

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

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.

Apply Now(at Chase's secure site)

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 Bonus Valuation*:
Up to $750

Annual Fee

APR

0% intro APR on purchases for 12 months; 17.74% - 25.74% 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 17.74% - 25.74% 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; 17.74% - 25.74% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

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Best For	Additional Earnings
Internet, cable, phone services — 5% cash-back, up to $25,000 total per card account year for all 5% cash-back category purchases	5% cash-back for office supply store purchases 2% cash-back at restaurants and gas stations up to $25,000 in purchases per account year 1% cash-back for all other purchases

Additional Reasons To Consider the Card

No annual fee
Cash-back is earned as valuable Ultimate Rewards points that can be transferred to premium Chase cards and redeemed for potentially greater value
Primary car rental insurance
Purchase protection and extended warranty

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

CitiBusiness^® / AAdvantage^® Platinum Select^® Mastercard^®

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

CitiBusiness^® / AAdvantage^® Platinum Select^® Mastercard^®

U.P. Rating

A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who travel.

CitiBusiness^® / AAdvantage^® Platinum Select^® Mastercard^®

A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who travel.

Welcome OfferFor a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after $5,000 in purchases within the first 5 months of account opening.
75,000 miles

UP's Bonus Valuation*:
$1,050

Annual Fee

$0 intro annual fee for the first year, then $99

APR

20.49% to 29.49% Variable

Credit Recommended

Excellent (740-850)

Why We Like This Card

With the CitiBusiness^® / AAdvantage^® Platinum Select^® Mastercard^®, you get a card that gives you perks like boarding privileges, free checked bags, and discounts on inflight purchases, while also earning more miles for your next award redemption.

Pros & Cons

Pros

2x miles per $1 spent on American Airlines purchases
2x miles per $1 spent on cable and satellite providers, at gas stations, on car rentals, and on select telecommunications merchants
1x mile per $1 spent on all other purchases

Cons

$99 annual fee
Does not earn transferable rewards

Read Full Review

Card Highlights

Designed for businesses
For a limited time, earn 75,000 American Airlines AAdvantage^® bonus miles after $5,000 in purchases within the first 5 months of account opening.
First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
25% savings on American Airlines inflight Wi-Fi when you use your card
Enjoy preferred boarding on American Airlines flights
Earn 2 AAdvantage^® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
Earn 1 AAdvantage^® mile per $1 spent on other purchases
Earn 1 Loyalty Point for every 1 eligible AAdvantage^® mile earned from purchases
No Foreign Transaction Fees

Financial Snapshot

APR: 20.49% to 29.49% Variable
Foreign Transaction Fees: None

Rewards Center

American Airlines AAdvantage Frequent Flyer Program

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

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

Additional Reasons To Consider the Card

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

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

Bank of America^® Business Advantage Customized Cash Rewards Credit Card

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

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

Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services.
Earn 2% cash back on dining purchases.
Earn unlimited 1% cash back on all other purchases.
You’ll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

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

With these perks, it’s easy to see why the Bank of America Business Advantage Customized Cash card is one of the best Mastercards for points and rewards.

The American Express Blue Business Cash™ Card

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

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

17.49% - 25.49% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Good to Excellent (670-850)

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% – 25.49%, 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: 17.49% - 25.49% Variable,0% on purchases for 12 months from date of account opening
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

There’s no bonus category structure to memorize or complicated redemption options. Simply use your card on eligible purchases and earn 2% cash-back (up to $50,000 per year; 1% thereafter). Cash-back earned is automatically credited to your statement — it’s that easy.

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Best For	Earnings
All purchases up to a maximum of $50,000 in spending per calendar year	2% cash-back on all purchases up to $50,000, then 1% cash-back

Additional Reasons To Consider the Card

No-cost employee cards (see rates & fees)
Secondary car rental coverage
Purchase Protection and Extended Warranty shopping protections

The Blue Business^® Plus Credit Card from American Express

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

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 Bonus Valuation*:
$330

Annual Fee

No annual fee

APR

17.49% - 25.49% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Good to Excellent (670-840)

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% - 25.49%, 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: 17.49% - 25.49% Variable,0% on purchases for 12 months from date of account opening
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

While earning 2x Membership Rewards points on everyday business purchases, up to $50,000 in purchases per year (1x thereafter), you’ll receive the same benefits and protections as the Amex Blue Business Cash card.

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Best For	Earnings
Earning Membership Rewards points on every purchase, including internet, cable, and phone services	2x Membership Rewards points on every purchase up to $50,000, then 1%

Additional Reasons To Consider the Card

No-cost employee cards
Flat rate earnings on every purchase
Introductory 0% APR on purchases for 12 months from card opening (regular APR, as indicated in the table above, applies after the introductory period; see rates & fees)
Travel and shopping benefits and protections

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

Capital One Spark Cash for Business

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

Terms Apply / Rates & Fees

Capital One Spark Cash Plus Card

U.P. Rating

The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners.

Capital One Spark Cash Plus Card

The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners.

Welcome Offer$2,000 cash back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year.
Up to $4,000+

Annual Fee

$150

APR

N/A

Credit Recommended

Excellent (740-850)

Why We Like This Card

The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

The Capital One Spark Cash Plus Card is great for business owners looking to improve their bottom line by earning 2% cash-back on all purchases without a high annual fee. Further, with no preset spending limit, the ability to get your $150 annual fee refunded every year you spend at least $150,000, and no-additional-fee employee cards, there is something that every business owner will love (rates & fees).

Pros & Cons

Pros

Unlimited 2% cash-back on all purchases
5% cash-back on hotels and rental cars purchased through Capital One Travel
No preset spending limit

Cons

$150 annual fee (rates & fees)

Read Full Review

Card Highlights

Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
$150 annual fee – Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back

Financial Snapshot

APR: N/A
Foreign Transaction Fees: None

With straightforward cash-back, you could realize significant value when spending on the card.

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Best For	Earnings
Every purchase your business makes — unlimited	2% cash-back on every purchase

Additional Reasons To Consider the Card

No annual fee the first year
No limit on cash-back earnings
Global Entry or TSA PreCheck fee reimbursement

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

Best Business Credit Cards for Internet, Cable, and Phone Services — Summary

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

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

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

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

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

Final Thoughts

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

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

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

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

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

The information regarding the Bank of America^® Business Advantage Customized Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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