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

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

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

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

Are there business credit cards with no annual fee?

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

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

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

7 Best Business Credit Cards for Internet, Cable & Phone [2022]

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.

Table of contents

The 7 Best Business Credit Cards for Internet, Cable & Phone Services
The 7 Best Business Credit Cards for Internet, Cable & Phone Services — Summary
Final Thoughts

Table of Contents

The 7 Best Business Credit Cards for Internet, Cable & Phone Services
The 7 Best Business Credit Cards for Internet, Cable & Phone Services — Summary
Final Thoughts

The 7 Best Business Credit Cards for Internet, Cable & Phone Services

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

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

1. Ink Business Preferred® Credit Card

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

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

Best 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.

2. Ink Business Cash® Credit Card

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

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

Best 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.

3. 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.

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

Best 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.

4. Bank of America® Business Advantage Customized Cash Rewards Credit Card

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

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

Here’s how the Bank of America Business Advantage 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.

5. 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.

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.

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 and fees)
Secondary car rental coverage
Purchase Protection and Extended Warranty shopping protections

6. The Blue Business® Plus Credit Card from American Express

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

While earning 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.

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 and 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.

7. Capital One Spark Cash for Business

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

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

Credit Card	Benefits & Info
Capital One Spark Cash Plus Card Learn More (at Capital One's secure site)	Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening Earn unlimited 2% cash back on every purchase, everywhere – with no limits or category restrictions Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile Earn an annual $200 cash bonus every year you spend $200,000 or more – that’s enough to cover your annual fee and then some Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel Add employee cards for free, and earn unlimited 2% cash back from their purchases Spark Cash Plus has no APR because your balance is due in full every month Annual Fee: $150

Credit Card

Benefits & Info

Capital One Spark Cash Plus Card

Learn More

(at Capital One's secure site)

Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
Earn unlimited 2% cash back on every purchase, everywhere – with no limits or category restrictions
Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
Earn an annual $200 cash bonus every year you spend $200,000 or more – that’s enough to cover your annual fee and then some
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Add employee cards for free, and earn unlimited 2% cash back from their purchases
Spark Cash Plus has no APR because your balance is due in full every month
Annual Fee: $150

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

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.

The 7 Best Business Credit Cards for Internet, Cable & 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.

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
CapOne 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 CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, Bank of America® Business Advantage Customized Cash Rewards Credit Card, and Capital One Spark Cash for Business 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, please click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.

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The 7 Best Business Credit Cards for Internet, Cable & Phone Services [2022]