Best credit card to use at T-Mobile.

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
   
   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
4. #4
   
   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
5. #5
   
   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
6. #6
   
   Wells Fargo Choice Privileges Select Mastercard

   Wells Fargo

   5x points on phone
   3.5%5x points
7. #7
   
   Wells Fargo Autograph

   Wells Fargo

   3x points on phone

   Phone plans
   3.0%3x points
8. #8
   
   Robinhood Gold

   Robinhood

   3% flat-rate cashback
   3%
9. #9
   
   Marriott Bonvoy Business American Express

   American Express

   4x points on phone

   Wireless telephone services purchased directly from U.S. providers
   2.8%4x points
10. #10
    
    Wells Fargo Choice Privileges Mastercard

    Wells Fargo

    3x points on phone
    2.1%3x points
11. #11
    
    Citi AAdvantage Business World Elite Mastercard

    Citi

    2x points on phone

    Telecommunications merchants, cable, and satellite providers
    2.0%2x points
12. #12
    
    Blue Business Cash from American Express

    American Express

    2% flat-rate cashback
    2%
13. #13
    
    Capital One Spark Cash Plus

    Capital One

    2% flat-rate cashback
    2%
14. #14
    
    Citi Double Cash

    Citi

    2% flat-rate cashback

    1% when you buy, 1% when you pay
    2%
15. #15
    
    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%
16. #16
    
    Fidelity Rewards Visa Signature

    Elan Financial Services

    2% flat-rate cashback

    When deposited into an eligible Fidelity account
    2%
17. #17
    
    Graphite Business Cash Unlimited

    American Express

    2% flat-rate cashback

    Unlimited 2% cash back on eligible purchases
    2%
18. #18
    
    Ink Business Premier

    Chase

    2% flat-rate cashback

    2.5% on purchases of $5,000 or more per transaction
    2%
19. #19
    
    Intuit Business

    WebBank

    2% flat-rate cashback
    2%
20. #20
    
    Navy Federal cashRewards Plus

    Navy Federal

    2% flat-rate cashback

    Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
    2%

Last updated August 10, 2026