Best credit card to use at Phone.com.

Picks without a tag earn at Phone.com both in-store and online. Watch for theOnline onlytag — those bonuses only apply on phone.com.

1. #1
   
   Ink Business Cash

   Chase

   5% on phone (up to $25,000/year, then 1%)

   Phone services; combined $25,000/year cap with office supplies and internet/cable services; 1% thereafter
   5%
2. #2
   
   US Bank Cash+ Visa Signatureif you select it

   U.S. Bank

   5% on cell phone providers if you select it as a bonus category (up to $2,000/quarter, then 1%)

   Choose 2 categories each quarter, up to $2,000 combined
   5%
3. #3
   
   US Bank Business Essentials Plusif it’s your top category

   U.S. Bank

   5% on phone if it's your top eligible spend category that cycle (up to $200,000/year, then 2%)

   Automatically on your top eligible spend category each month from 8 eligible (accounting & tax services, airlines, cell phone service providers, dining, entertainment, office supply stores, postal & shipping services, utilities), up to $200,000 a year
   5%
4. #4
   
   American Express Business Goldif it’s your top category

   American Express

   4x points on phone if it's your top eligible spend category that cycle (up to $150,000/year, then 1%)

   Automatically on your top 2 spending categories each billing cycle from 6 eligible (U.S. advertising, U.S. electronic goods retailers and software/cloud providers, U.S. restaurants, U.S. gas stations, transit, U.S. wireless telephone service), combined cap. Flights earn 3x via AmexTravel.com.
   4.8%4x points
5. #5
   
   World of Hyatt Businessif it’s your top category

   Chase

   2x points on phone if it's your top eligible spend category that cycle

   Automatically 2x total in your top three spend categories each calendar quarter, from dining, shipping, airline tickets bought directly with the airline, local transit and commuting, social media and search engine advertising, car rental agencies, gas stations, and internet/cable/phone services
   4.0%2x points
6. #6
   
   Ink Business Preferred

   Chase

   3x points on phone (up to $150,000/year, then 1%)

   Phone services (combined $150,000/yr cap with travel, shipping, internet/cable, and advertising)
   3.8%3x points
7. #7
   
   Wells Fargo Choice Privileges Select Mastercard

   Wells Fargo

   5x points on phone
   3.5%5x points
8. #8
   
   Blue Cash EverydayOnline only

   American Express

   3% on online shopping (up to $6,000/year, then 1%)

   U.S. online retail purchases
   3%
9. #9
   
   Wells Fargo Autograph

   Wells Fargo

   3x points on phone

   Phone plans
   3.0%3x points
10. #10
    
    Robinhood Gold

    Robinhood

    3% flat-rate cashback
    3%
11. #11
    
    Bank of America Cash Rewards SecuredOnline onlyif you select it

    Bank of America

    3% on online shopping if you select it as a bonus category (up to $2,500/quarter, then 1%)

    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
12. #12
    
    Bank of America Customized Cash RewardsOnline onlyif you select it

    Bank of America

    3% on online shopping if you select it as a bonus category (up to $2,500/quarter, then 1%)

    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
13. #13
    
    Marriott Bonvoy Business American Express

    American Express

    4x points on phone

    Wireless telephone services purchased directly from U.S. providers
    2.8%4x points
14. #14
    
    Wells Fargo Choice Privileges Mastercard

    Wells Fargo

    3x points on phone
    2.1%3x points
15. #15
    
    Citi AAdvantage Business World Elite Mastercard

    Citi

    2x points on phone

    Telecommunications merchants, cable, and satellite providers
    2.0%2x points
16. #16
    
    Hilton Honors American Express SurpassOnline only

    American Express

    4x points on online shopping

    Eligible U.S. online retail purchases
    2.0%4x points
17. #17
    
    Blue Business Cash from American Express

    American Express

    2% flat-rate cashback
    2%
18. #18
    
    Capital One Spark Cash Plus

    Capital One

    2% flat-rate cashback
    2%
19. #19
    
    Citi Double Cash

    Citi

    2% flat-rate cashback

    1% when you buy, 1% when you pay
    2%
20. #20
    
    Coinbase One

    First Electronic Bank

    2% flat-rate cashback

    Tiers of 2%, 2.5%, 3%, or 4% based on assets held on Coinbase; tiers above 2% are capped at $10,000 in eligible purchases per month, then 2%. Requires Coinbase One membership.
    2%

Last updated September 14, 2026