Edited by: Juan Ruiz
& Kellie Jez
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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.
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.
|Card||Welcome Offer and Annual Fee||Benefits|
|Ink Business Preferred® Credit Card||
|Ink Business Cash® Credit Card||
|CitiBusiness® / AAdvantage® Platinum Select® Mastercard®||
|Bank of America® Business Advantage Customized Cash Rewards credit card||
|The American Express Blue Business Cash™ Card||
|The Blue Business® Plus Credit Card from American Express||
|Capital One Spark Cash Plus 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.
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.
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.
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||
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:
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.
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.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy 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 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.
|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||
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.
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.
A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who travel.
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.
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||
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.
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.
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.
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.
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.
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.
|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|
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.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
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.
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.
|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%|
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.
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. (Information collected independently. Not reviewed by Capital One.)
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 free employee cards, there is something that every business owner will love.
With straightforward cash-back, you could realize significant value when spending on the card.
|Every purchase your business makes — unlimited||2% cash-back on every purchase|
To learn more about the best Capital One business credit cards, check out our article with a detailed comparison.
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.
|Amex Blue Business Cash card||
|Amex Blue Business Plus card||
|Bank of America Business Advantage Customized Cash card||
|Capital One Spark Cash card||
|CitiBusiness Platinum Select card||
|Ink Business Cash card||
|Ink Business Preferred card||
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.
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.
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.
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.
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.
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