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Best card by category
Best credit card for phone and internet bills
A handful of cards reward your monthly phone and internet bills. Today the top-ranked card for phone, internet and cable providers is the Discover It at 5% effective value.
Rates last reviewed between August 23, 2026 and October 19, 2026. Data published October 22, 2026.
Cards with a bonus on phone and internet bills
| # | Card | Earns | Effective value | Annual fee | Details |
|---|---|---|---|---|---|
| 1 | Discover ItDiscover | 5% cash back | 5% | $0 |
|
| 2 | Wells Fargo AutographVisa | 3x points | 3% | $0 |
|
| 3 | Wells Fargo Choice Privileges SelectMastercard | 5x points | 2.5% | $95 |
|
| 4 | Bank of America Alaska Airlines Visa Signature® credit cardVisa | 2x points | 2% | $95 | |
| 5 | Bank of America Atmos Rewards AscentVisa | 2x points | 2% | $95 | |
| 6 | Chase Marriott Bonvoy BoldVisa | 2x points | 1.6% | $0 | |
| 7 | Chase IHG TravelerMastercard | 3x points | 1.5% | $0 | |
| 8 | Wells Fargo Choice PrivilegesMastercard | 3x points | 1.5% | $0 |
|
For comparison: the best flat-rate cards
These pay the same rate on everything, so they set the bar a bonus card has to beat.
| # | Card | Earns | Effective value | Annual fee | Details |
|---|---|---|---|---|---|
| 1 | Coastal Community Bank Robinhood Gold CardVisa | 3% cash back | 3% | $0 |
|
| 2 | Alliant Credit Union Alliant Visa® Signature CardVisa | 2.5% cash back | 2.5% | $0 |
|
| 3 | Citi Strata EliteMastercard | 1.5x points | 2.4% | $595 |
|
| 4 | Capital One Venture RewardsVisa | 2x miles | 2.4% | $95 |
|
| 5 | Capital One Venture XVisa | 2x miles | 2.4% | $395 |
|
Effective value is the headline rate times what a point or mile is worth, before annual fees. Points and miles are valued at: Wells Fargo 0.5¢, Bank of America 1¢, Chase 0.5¢, Citi 1.6¢, Capital One 1.2¢. Cash back counts at face value. Personal cards only; sign-up bonuses, statement credits and other perks are not counted.
What usually counts
- Cell phone plans, home internet, cable and some utilities.
Watch out for
- Some cards pay the bonus only on bills from certain providers, or only when you pay the provider directly by card.
Which of your cards wins?
The best card in the world is the best card you actually own. Add your cards to PointMaxxer and see which one to use for phone and internet bills, and every other purchase, in a second. Free, no sign-up, no bank login.