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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
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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.
The Best Business Credit Cards for Internet, Cable & 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.
NEW OFFER: Earn 100,000 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
Earn $750 cash-back after spending $6,000 on purchases in the first 3 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
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months.
Annual fee of $150
2% cash-back on all purchases
Annual $200 bonus when spending $200,000
1. 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.
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
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
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.
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
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
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.
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
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)
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.
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 miles per dollar spent with cable/satellite providers, telecommunications providers, American Airlines, at gas stations, and car rental merchants — no limit on earnings
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.
Featured Image Credit: Alexandar Todov via Unsplash
Frequently Asked Questions
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.
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.
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