Cell phones have transitioned from a luxury to a necessity in today's busy world. We spend a lot of money to have our cell phones by our side: According to the Bureau of Labor Statistics, the average person spends $1,188 per year on their cell phone bill. And the bill is much higher for a family of four.
When it comes time to pay your bill, having the right credit card can help you maximize your rewards and protect your phone from damage and theft.
Extended warranty on the purchase of your phone
Cell phone prices have continued to increase year after year. According to Statista, the average price of a cell phone in 2018 was $567. Meanwhile, some models of the iPhone and Samsung Galaxy S cost $1,000 or more.
Buying your cell phone with the right credit card can extend the manufacturer’s warranty and protect you in case of theft or damage. For example, the Ink Business Cash® Credit Card adds an extra year to the manufacturer's warranty on eligible purchases when the warranty is three years or less.
Earning rewards on your cell phone bill
No matter who your cell phone provider is, paying your cell phone bill with a credit card is a great way to stay organized and earn rewards. Plus, setting your bill to be paid automatically eliminates one more item on your monthly to-do list. Taking this step avoids late fees and ensures your phone won't be disconnected for nonpayment.
Certain travel credit cards offer additional miles and points when you use them to pay your bill. For example, the Ink Business Preferred® Credit Card earns 3 points for every $1 on cell phone expenses (capped at $150,000 in spending per year).
Protecting your phone with credit card insurance
Aside from earning valuable rewards for paying your cell phone bill, certain travel credit cards also offer complimentary cell phone protection. These benefits protect you in case of cell phone theft or damage up to a specified limit after paying a deductible. The Wells Fargo Propel American Express® card provides coverage up to $1,200 every 12 months (maximum of $600 per claim) with a $25 deductible.
Deductibles vary from one travel credit card to the next, with most ranging from $25 to $100 per claim.
» Learn more: Wells Fargo Propel AmEx review: No fee, so much value
Best travel credit cards to pay cell phone bills
Paying your cell phone bill with a travel credit card is a great way to earn rewards while also protecting your phone from theft or damage. These are the best travel credit cards to pay cell phone bills with.
Uber Credit Card
The Uber Credit Card covers up to $600 per claim against damage, theft and "accidental parting" of cell phones. There is a $25 deductible and a maximum of two claims for a total of $1,000 per 12 month period.
Earns 1% back on cell phone charges in Uber cash.
$0 annual fee.
Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card earns 5% cash back on the first $25,000 spent in several categories, including cell phone service. That’s one of the highest payouts, making this a great card to pay cell phone bills.
Offers purchase protection for 120 days against damage or theft up to $10,000 per claim or $50,000 per account.
Manufacturer's warranties extended by one year on eligible warranties of three years or less.
$0 annual fee.
Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card offers cell phone protection of up to $600 per claim, with a $100 deductible. A maximum of three claims can be submitted every 12 months. Other reasons to pay your cell phone bill with this card include the following:
Both cardholder and employee phones paid with this card are protected from theft or damage.
Earn 3x points for every $1 spent on travel, shipping, internet, cable, phone and online advertising (up to $150,000 per year).
Warranties of three years or less are extended by one year.
$95 annual fee.
Citi Prestige® Card
The Citi Prestige® Card covers up to five cell phones against theft and damage, up to $1,000 per claim and $1,500 per 12 months. There is a $50 deductible per claim and phones must be on your monthly bill to qualify, which must be paid with the Citi Prestige® Card.
Earns 1 point per $1 on cell phone purchases.
$495 annual fee.
» Learn more: Citi Prestige review: Fancy perks for $495
U.S. Bank Business Cash Rewards World Elite™ MasterCard®
The U.S. Bank Business Cash Rewards World Elite™ MasterCard® earns unlimited 3% cash back on cell phone expenses and other expenses, including eligible gas station and office supply store purchases.
Every anniversary, cardholders receive a 25% bonus on the prior year's rewards, up to $250.
$0* annual fee.
Wells Fargo Propel American Express® card
The Wells Fargo Propel American Express® card offers $600 in cell phone protection with low $25 deductible on claims. A maximum of two claims can be submitted per 12 months.
Earns 1 point for every $1 on all spending, including cell phone bills.
Up to an extra year of warranty protection.
Retail protection from damage or theft within 90 days of purchase.
$0 annual fee.
The information related to Citi Prestige® Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service. The Wells Fargo Propel American Express® card is no longer accepting new applications.
How to Maximize Your Rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2021, including those best for:
Airline miles and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Wells Fargo Propel American Express® card
Flat-rate rewards with no annual fee: Bank of America® Travel Rewards credit card
Premium travel rewards: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card
Planning a trip? Check out these articles for more inspiration and advice: 7 credit cards for people who don’t want to deal with category bonuses Earn more points and miles with these 6 strategies Find the best travel credit card for you