Best card for internet, phone & cable, honestly

No invented "average spender": where the best card for internet, phone & cable actually changes as your spending grows — caps, annual fees, and earning rates measured against a flat 2% cash-back baseline, counting only cards you can get today.

What counts as internet, phone & cable: Home internet, cell phone plans, and cable TV bills.

Who wins, by annual internet, phone & cable spend

Up to $24,000/yr: U.S. Bank Cash+ Visa Signature Card — 5% cash back
Over $24,000/yr: Venmo Credit Card — 3% cash back; Wells Fargo Autograph Card — 3x points (≈3.00¢/$ at the card's default value)

Every card that beats a flat 2% card on internet, phone & cable

U.S. Bank Cash+ Visa Signature Card — 5% cash back, capped at $8,000/yr, no annual fee; wins $0–$24,000/yr
Venmo Credit Card — 3% cash back, uncapped, no annual fee; wins over $24,000/yr
Wells Fargo Autograph Card — 3x points (≈3.00¢/$ at the card's default value), uncapped, no annual fee; wins over $24,000/yr
Bank of America Customized Cash Rewards — 3% cash back, capped at $10,000/yr, no annual fee

Rates only — statement credits and perks are deliberately not counted here. They depend on how you'd actually use them, and each card's page asks those questions before adding a cent.

Best card for: Dining · Groceries · Flights · Hotels · Other travel · Everything else · Gas & EV charging · Streaming · Transit & rideshare · Drugstores · Online retail

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