Best card for a category
Best card for phone and internet bills in dollars (2026)
Published September 3, 2026. Updated September 14, 2026. Estimates use Pikt's card catalog and the same rewards engine as Pikt Checkout. Pikt personalizes each estimate to the cards you already carry, the purchase details, and any reward values you set. It compares supported earn rates, eligible offers, caps, and card constraints, then explains the result.
Answer
On a $90 purchase on phone, internet, and cable bills, Autograph earns the most: 3x points, worth about $4.72. Choice Privileges Select Mastercard is next at $3.83, so the difference on this one purchase is $0.89. Autograph has no annual fee. This is a general ranking of 200+ personal cards. It does not use the cards in your wallet.
What counts as phone, internet, and cable bills
Mobile phone, home internet, and cable bills paid to the carrier. Mostly business cards bonus this category; personal cards usually treat it as everyday spending.
Top cards on phone, internet, and cable bills, on a $90 purchase
The table compares 200+ personal cards still open to new applicants. Rotating 5% categories count only when the issuer's published calendar includes phone, internet, and cable bills this quarter, and those rows are marked. Rates you choose yourself appear separately below.
| # | Card | Rate here | Earns on $90 | Annual fee |
|---|---|---|---|---|
| 1 | Autograph (opens in a new tab)Wells Fargo | 3x points | $4.72 | $0 |
| 2 | Choice Privileges Select Mastercard (opens in a new tab)Wells Fargo | 5x points | $3.83 | $95 |
| 3 | Venture (opens in a new tab)Capital One | 2x points | $3.33 | $95 |
| 4 | Venture X (opens in a new tab)Capital One | 2x points | $3.33 | $395 |
| 5 | Citi Strata Elite (opens in a new tab)Citi | 1.5x points | $2.57 | $595 |
| 6 | Choice Privileges Mastercard (opens in a new tab)Wells Fargo | 3x points | $2.30 | $0 |
| 7 | Capital One VentureOne for Good Credit (opens in a new tab)Capital One | 1.25x points | $2.08 | $0 |
| 8 | VentureOne (opens in a new tab)Capital One | 1.25x points | $2.08 | $0 |
| 9 | Air France KLM Visa Signature (opens in a new tab)Bank of America | 1.5x points | $1.89 | $89 |
| 10 | Sapphire Preferred (opens in a new tab)Chase | 1x points | $1.85 | $95 |
Points are turned into dollars at Pikt's published redemption value for each program, so a points card and a cash-back card can sit in the same column. Welcome bonuses, spending caps, and card-specific credits are not included in this one-purchase number.
Annual fees as of September 2026. Issuers change terms often, so check the issuer's own page before you apply.
How Pikt got this answer
Pikt ran 200+ personal cards through the same rewards engine as Pikt Checkout. Each card is open to new applicants, and its earn rates have been checked against issuer terms. The example uses a $90 purchase classified as phone, internet, and cable bills. Points and cash back are converted to dollars. Read how Pikt turns points into dollars.
The store's category code, not the aisle, decides which bonus applies. Business cards, cards no longer open to new applicants, and cards whose rates Pikt has not verified are left out.
Download the Extension to see a personal pick before you pay online.