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Best credit cards to pay your cellphone bill

Paying your bill with the right card can unlock rewards and protection from theft

Summary

Just by paying your cellphone bill with one of these credit cards, you will reap benefits including cellphone insurance, cash back offers and more.

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Our cellphones, notably smartphones, have become almost everything we need: a lifeline to work, family and the world, cameras and videorecorders and a fact-finder and source for almost every other daily living task.

Paying your cellphone bill is something we all must do, and with rewards credit cards, there are perks out there you can snag just for paying with the right card.

Benefits can include extended warranty protection, insurance in case of damage or theft or rewards that can yield cash back, points and miles.

See related: Best credit cards for paying monthly bills

Below are some rewards credit cards that are standouts to give you extra benefits just for paying your cellphone bill.

Wells Fargo Propel American Express® card: Best for cellphone insurance protection

One of the best in this category is the Wells Fargo Propel American Express® card. When you pay your monthly cellphone bill using this card, you will have free cellphone insurance provided by Wells Fargo.

The comprehensive protection will cover the cardholder for damage or theft: up to $600 of protection, subject to a $25 deductible.

This benefit can save you considerable money. If you pay for similar insurance through your cellphone provider, it can cost approximately $6 to $12 on your monthly bill (plus a steep deductible), according to the site Policy Genius.

Beyond your cellphone, the Wells Fargo Propel will reward your everyday spending with 3 points per dollar in categories including gas stations, travel and select streaming services and then 1 point per dollar on other purchases.

U.S. Bank Cash+ Visa Signature Card: Best for earning cash back

For credit card holders with a goal to earn cash back bonuses, the U.S. Bank Cash+ Visa Signature Card is a trailblazer. This cash back star offers a hefty 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories of your choice – including cellphone providers.

Just pay your bill with this credit card, and watch your cash back earnings soar. Your rewards stretch even further as there is no annual fee. Plus, this credit card gives 2% cash back on gas or grocery purchases and 1% cash back on all other eligible purchases.

Ink Business Preferred Credit Card: Best for business owners

This impressive rewards credit card offers business owners several perks. For those who are wheeling and dealing for their business success, the last thing they need to worry about is extra money for phone insurance protection.

The Ink Business Preferred Credit Card is our winner, because it provides the cardholder and their eligible employees on the same plan cellphone protection up to $600 per claim for damage or theft – when you pay your bill with the card.

This is a valuable benefit, as individual cellphone insurance plans can run as much as $12 per phone, per month. One caveat: The benefit is capped at three claims in a 12-month period. There also is a $100 deductible per claim. Even so, with smartphone prices hovering near $1,000, it can save you a lot of money.

Not only do you get valuable cellphone insurance protection, this standout business rewards card earns 3 points per dollar on the first $150,000 spent in combined purchases on travel, shipping, cable, phone services, advertising and internet. In addition, business owners capture 1 point per dollar spent on all other purchases.

See related: Best business credit cards

American Express Blue Business Cash™ Card: Best for purchase protection and cash back benefits

An alternative to the Ink Preferred, the Blue Business Cash Card beats the rewards on other business cards with 2% cash back on every purchase you make (up to $50,000 in a calendar year, then 1%) – including your cellphone bill. This cash back is applied as a statement credit, making it very easy to use on other business costs.

Additionally, the card offers purchase protection that will protect the investment of a cellphone. When you charge the cost of your new cellphone using this card, you will get 90 days of protection against damage or theft up to $1,000 per occurrence.

Tips on how to maximize your cellphone protection benefits

In order to reap all the rewards you can from these valuable cards, here are some ways to guarantee you are maximizing your benefits:

Verify your rewards credit card is your form of payment

Make sure you are paying your cellphone bill with the rewards card that yields the benefits. This can be done either by linking your card through an autopay program or paying it online monthly. Autopay is often more convenient because this guarantees you won’t miss a due date. This arrangement will ensure you will qualify for protections and that you will earn rewards.

Keep documentation organized

Keeping proof of purchase of cellphones, copies of monthly cellphone carrier statements and other types of receipts and documentation handy can streamline the process of filing an insurance claim.

File a police report for a paper trail

If your cellphone is lost or stolen, it’s prudent to file a police report. This report can be submitted to the insurance administrator to assist in the filing of your claim.

Pay attention to insurance information updates

It’s not uncommon for insurance carriers or card issuers to mail updates or changes to your policies. When you receive an email or letter, take the time to read the information so you are up-to-date with the benefits of your card and its coverage.

File your claim quickly

Most insurance policies require filing the claim within 60 days of the incident. Here are the steps to file:

  • Log in to your account, and follow the prompts to your card benefit services account. You will find fields to enter claim information.
  • Upload all necessary documentation including receipts and a monthly cellphone bill.
  • If the online process sounds daunting, cardholders can call the phone number of the back of their credit card to be directed to a claim administrator.

Bottom line

With the almost effortless action of paying your cellphone bill with one of these credit cards, you will reap the rewards of valuable benefits including cellphone insurance, purchase protection, cash back offers and more.

You can either contact your cellphone provider to set up automatic payments or pay online using the card. Be sure to reach out to your cellphone provider to double-check there are no fees associated with paying bills online. If there is a nominal fee, it’s then your decision if the benefits outweigh them.

*All information about the Wells Fargo Propel American Express Card and the Ink Business Preferred Credit Card has been collected independently by CreditCards.com and has not been reviewed by the issuer. These cards are no longer available through CreditCards.com.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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