Card Optimizer

Best credit card for phone plans

The card that earns the most on a $100 purchase on phone plans, out of the 106 cards we track.

Top pick

Chase Ink Business Cash

$7.50 on $100

7.5% back · $0 annual fee

  • 5x points on phone plans.
  • 500 Chase Ultimate Rewards points valued at 1.5¢ each.
  • The bonus rate covers up to $25,000 of spend a year.
See which of your cards wins on phone plans

Also worth a look

  • Runner-up

    American Express Business Gold Card

    $6.00 on $100

    6% back · $375 annual fee

  • Also good

    Discover it Cash Back

    $5.00 on $100

    5% back · $0 annual fee

  • Also good

    U.S. Bank Cash+ Visa Signature

    $5.00 on $100

    5% back · $0 annual fee

See the top 10 on phone plans with rates, fees and why each earns what it does

  1. Chase Ink Business Cash

    7.5% back · $0 annual fee

    $7.50 on $100

    • 5x points on phone plans.
    • 500 Chase Ultimate Rewards points valued at 1.5¢ each.
    • The bonus rate covers up to $25,000 of spend a year.

  2. American Express Business Gold Card

    6% back · $375 annual fee

    $6.00 on $100

    • 4x points on phone plans.
    • A category you picked for this card.
    • 400 Amex Membership Rewards points valued at 1.5¢ each.
    • Counted with U.S. wireless phone service picked as its Top two 4x categories.
    • The bonus rate covers up to $150,000 of spend a year.

  3. Discover it Cash Back

    5% back · $0 annual fee

    $5.00 on $100

    • 5% cash back on phone plans.
    • Rotating bonus active 2026-10-01 to 2026-12-31.
    • Bonus must be activated with the issuer to earn this rate.
    • The bonus rate covers up to $1,500 of spend a quarter.

  4. U.S. Bank Cash+ Visa Signature

    5% back · $0 annual fee

    $5.00 on $100

    • 5% cash back on phone plans.
    • A category you picked for this card.
    • Counted with Cell phone providers picked as its 5% category.
    • The bonus rate covers up to $2,000 of spend a quarter.

  5. Chase Ink Business Preferred

    4.5% back · $95 annual fee

    $4.50 on $100

    • 3x points on phone plans.
    • 300 Chase Ultimate Rewards points valued at 1.5¢ each.
    • The bonus rate covers up to $150,000 of spend a year.

  6. American Express Blue Business Plus

    3% back · $0 annual fee

    $3.00 on $100

    • 2x points base rate.
    • 200 Amex Membership Rewards points valued at 1.5¢ each.

  7. Robinhood Gold Card

    3% back · $0 annual fee · needs Robinhood Gold ($50 a year)

    $3.00 on $100

    • 3% cash back base rate.

  8. Bilt Palladium

    3% back · $495 annual fee

    $3.00 on $100

    • 2x points base rate.
    • 200 Bilt points valued at 1.5¢ each.

  9. Bank of America Customized Cash Rewards

    3% back · $0 annual fee

    $3.00 on $100

    • 3% cash back on phone plans.
    • A category you picked for this card.
    • Counted with Online shopping picked as its 3% category.
    • The bonus rate covers up to $2,500 of spend a quarter.

  10. Citi Double Cash

    2.8% back · $0 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Citi ThankYou points valued at 1.4¢ each.