The 7 Best Credit Card for Utilities & Monthly Bills [2024]

Are you looking to maximize reward with the Best Credit Card for Utilities? If yes, then you are at the right place.

Savings on monthly bills can be a headache. Regular visits to the grocery stores, utility billls, monthly memberships and subscriptions can make up a huge part of your budget. But, you can use the best credit cards for bill payments that rewards you for big expenses.

So, if you have a lots of recurring monthly bills like utility bills, phone, internet, and subscriptions, using a credit card help you to save hundreds of dollars. In general, best credit card for paying bills are those offering the most rewards on utility payments.

Since there are many types of monthly bills out there, make sure the rewards categories match up with your specific expenses before you apply for a card. You should check if the billers accept cards on your credit card’s network, too.

In this guide, we’ve covered the best credit cards that offers maximum rewards and best options to pay for monthly bills. Keep reading on.

Best Credit Card for Utilities

  • Blue Cash Preferred® Card from American Express
  • U.S. Bank Cash+® Visa Signature® Card
  • Chase Freedom Unlimited® Credit Card
  • Bank of America® Customized Cash Rewards credit card
  • Citi Double Cash® Card
  • Bilt World Elite Mastercard® Credit Card
  • Wells Fargo Active Cash® Card

The 7 Best Credit Cards for Monthly Bills and Utilities

Here are the full details of for best credit cards for bills, utilities and other expenses.

1. Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Card Details:

Annual Fee: $0 intro annual fee for the first year, then $95.

Welcome Bonus: You earn $250 back after you spend $3,000 on purchases within the first 6 months of account opening.

Annual APR: 0% intro APR on purchases and balance transfers for 12 months, then a variable APR of 19.24% to 29.99% will apply.

Credit Needed: Good/Excellent

Rewards Details:

  • Earn 6% cash back on groceries at U.S. Supermarkets up to $6,000 per year.
  • Earn 6% cash back select streaming services in U.S.
  • Earn 3% cash back transit including taxis, rideshare services, parking, tolls, trains, buses and more.
  • Earn 3% cash back at U.S. gas stations.

Why we like this card:

The Blue Cash Preferred® Card from American Express is a solid choice for those people who spend a big amount on groceries, streaming services, and other expenses. You can earn up to 6% cashback on monthly and utility bills. That’s why this card is our top choice for monthly bills and utilities.

You also earn 3% cash back on Transit includes taxis, rideshare, parking, tolls, trains, buses, and more. The card welcomes you with $250 back after you spend $3,000 within the first 6 months of account opening.

The bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations and transit purchases, this credit card rewards you in every way.

According to NerdWallet, this is the best credit card for grocery spending.

Pros & Cons

  • No annual fee the first year.
  • 6% cash-back on groceries at U.S. supermarkets.
  • 6% cash-back on select U.S. streaming subscriptions.
  • You earn 3% cash-back on U.S. gas stations and Transit services.
  • You earn 1% cash back on all other purchases.
  • The card has $95 after first year.

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2. U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

Card Details

Annual Fee: $0.

Welcome Bonus: You earn $200 bonus rewards after you spend $1,000 on purchases within the first 120 days of account opening.

Annual APR: Enjoy 0% intro APR for the first 15 billing cycles, after that a variable APR of 19.49% to 29.74% will apply.

Credit Needed: Good/Excellent.

Rewards Details:

  • You earn 5% cash back on your first $2,000 in combined purchases each quarter in 2 categories of your choice. Here are the categories:
    • Fast food
    • Home utilities
    • TV, internet and streaming
    • Department stores
    • Cell phone
    • Electronic stores
    • More 5% cash back categories
    • Sporting goods stores
    • Movie theaters
    • Gyms/fitness centers
    • Furniture stores
    • Ground transportation
    • Select clothing stores
  • Earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center.
  • Earn 2% cashback on everyday purchase category like gas stations and EV charging stations, grocery stores or restaurants.
  • Earn 1% cash back on all other purchases.

Why we like this card:

The U.S. Bank Cash+® Visa Signature® Card is great no annual fee credit card that often considered as one of the best cash back credit card. This credit card allows you to 5% cashback on your spending one two categories you choose on. You can change categories in each quarter.

You also earn 2% cash back on everyday purchases like gas station, grocery stores, restaurants, and EV charging stations and 1% cash back on all other eligible purchases.

As a welcome bonus, you earn $200 bonus rewards after you apply online and spend $1,000 on purchases within the first 120 days of account opening. The card comes with 0% intro APR for the first 15 billing cycles, after that a variable APR of 19.49% to 29.74% will apply.

Pros & Cons

  • The card has no annual fee.
  • Earn 5% cash back on large purchases on 2 categories you choose.
  • 5% cash back on prepaid air, hotel and car reservations.
  • 2% cash back on everyday purchases and 1% cash back on all other purchases.
  • 0% intro APR on purchases and balance transfer for first 15 billing cycles.
  • 5% cash back categories are limited to $2,000 purchases each quarter.
  • Hard to choose a category.

» MORE: Best Business Credit Cards No Annual Fee


3. Chase Freedom Unlimited® Credit Card

Chase Freedom Unlimited® Credit Card

Card Details:

Annual Fee: $0.

Welcome Bonus: Earn $200 bonus after spending $500 on purchases within the first 3 months of account opening.

Annual APR: 0% intro APR on purchases and balance transfer for 15 months from account opening. After that a variable APR of 20.49%–29.24% will apply.

Credit Needed: Excellent/Good

Reward Details:

  • You earn 5% cash back on gas and grocery store (limited time offer).
  • Earn 5% cashbakck on on travel purchased through Chase.
  • You earn 3% on dining and drugstores.
  • Earn 1.5% unlimited cashback on all other purchases.

Why we like this card:

The Chase Freedom Unlimited® Credit Card is a great credit card for reward and travel miles. The card has $0 annual fee and allows you to earn 5% cash back on gas and grocery (limited time offer), 5% cash back on travel purchase through Chase, 3% cash back on utility, dining and, drugstores, and 1.5% unlimited cash back on all other purchases. This is also a great travel credit card for beginners.

The card also offers 0% intro APR on purchases and balance transfers for 15 months. Cardholders loooking for no annual fee card that offers good cash back rewards on travel, dining at restaurants and drugstores can consider this credt card.

Pros & Cons

  • The card has no annual fee.
  • Generous welcome bonus of $200.
  • Unlimited 1.5% cash back on all other purchases.
  • 5% cash back on travel and 3% cash back on utility, dining, and drugstore.
  • Cash back rewards will not expire.
  • Balance transfer fee is high.
  • The card has foreign transaction fee.

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4. Bank of America® Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards credit card

Card Details:

Annual Fee: $0.

Welcome Bonus: Earn $200 online cash reward bonus after you spend $1,000 on purchases within the first 3 months of card activation.

Annual APR: 0% intro APR for first 15 billing cycles for purchases and balance transfers. After the offer ends, a variable APR of 18.24% to 28.24% will apply.

Credit Needed: Good/Excellent

Reward Details:

  • Earn 3% cash back in the category of your choice and 2% cash back on grocery stores and wholesale clubs for the first $2,500 of combined category/grocery store/wholesale club spending per quarter
  • Earn 1% cash back on all other purchases.
  • Earn 25% to 75% more cash back if you are a Preferred Rewards members.

Why we like this card:

The no annual fee card, Bank of America® Customized Cash Rewards Credit Card allows you to earn 3% cash back your choice category including (gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings). You can change the 3% cash back category once in a month.

The card also earns 2% cash back on grocery stores and wholesale clubs, and 1% cash back on all other purchases. You have the freeodm to choose the category in which you spend the most.

This card stands out for the freedom to choose the right category for you. Also, the interest rate of this card is slightly lower side.

Pros & Cons

  • The card has no annual fee.
  • You earn 3% cash back on category you choose.
  • You can earn 25% to 75% more cash back if you are a Preferred Member of the Bank.
  • Generous intro APR period.
  • Decent welcome bonus of $200
  • The card has complicated reward system.
  • Capping on bonus rewards.
  • Best rewardsa are for limited customers.

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5. Citi Double Cash® Card

Citi Double Cash® Card

Card Details:

Annual Fee: $0.

Welcome Bonus: You earn $200 cash back after you spend $1,500 on purchases within the first 6 months of account opening.

Annual APR: 0% intro APR for 18 months on balance transfer, after that variable APR of 19.24% – 29.24% will apply based on your creditworthiness.

Credit Needed: Excellent/Good.

Reward Details:

  • You earn 2% cash back (Unlimited 1% cash back when you buy, plus an additional 1% as you pay), on every purchase.
  • Earn 5% cash back on hotel and card rentals booked on Citi Travel℠ portal (limited time offer).
  • The cash back category has no restrictions and no limit on the amount of cash back you earn.

Why we like this card:

The Citi Double Cash® Card comes with no annual fee and offers 2% cash back per $1 ((1% at purchase and another 1% when you pay, earned as ThankYou Points) on every purchase. Best thing about the cash back is that, there is no cappping or limtation on your reward points.

With 2% cashback on all purchases, the Citi Double Cash® Card is one of the best cash back credit card on the market. The card also offers 0% itro APR for 18 months on balance transfer.

The card is a value for money among credit cards. With a great flat-rate cash back credit card, this card is ideal for people who want low-hassle cash rewards on everything they purchase.

Pros & Cons

  • The card has no annual fee.
  • You earn 2% cash back on all purchases.
  • No capping and limitation on cash back you earned.
  • Intro APR for balance transfer.
  • Reward rate is high.
  • No intro APR for purchases.
  • The card has foreign transaction fee.

6. Bilt World Elite Mastercard® Credit Card

Card Details:

Annual Fee: $0.

Welcome Bonus: None.

Annual APR: 21.49%, 24.49%, or 29.49% for balance transfer based on your creditworthiness.

Credit Needed: Excellent/Good

Reward Details:

  • Earn 3X points on dining.
  • Earn 2X points on travel.
  • Earn 1X points on rent payments (up to 100,000 points annually).
  • Earn 1X point on all other purchases.

Why we like this card:

The Bilt World Elite Mastercard® Credit Card is a $0 annual fee credit card that allows to earn reward points on rent payments. You earn 1 point per $1 spent on rent (up to 100,000 points annually). You also earn 3X points on dining, 2X points on travel, and 1X points on travel. The reward points are really valuable to the Built Reward Program.

For renters, this is the most valuable credit card on the market and worth considering. The reward points can be redeemed for rents or transfer Bilt Points to a variety of travel partners like Hyatt, Marriott, and American Airlines.

The card also comes with Trip cancellation, interruption protection, and Cellular telephone protection, which makes it a decent choice for tarvelers.

However, the card doesn’t offer a sign-up bonus, which would make it even more valuable to cardmembers.

Pros & Cons

  • The card has no annual fee.
  • You earn rewards on rent payments.
  • Solid reward on dining and travel category.
  • Rewads can be transfered to tarvel partners.
  • Bonus categories.
  • Get $5 Lyft credit with this card.
  • The card has no welcome bonus.
  • Balance transfer fee up to 5%.
  • High annual APR.

7. Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

Card Details:

Annual Fee: $0.

Welcome Bonus: You earn $200 cash reward bonus as sign-up bonus after you spend $500 on purchases within the first 3 months of account opening.

Annual APR: Enjoy 0% intro APR for 15 months on purchases and qualifying balance transfers. After that, a variable APR of 20.24%, 25.24% or 29.99% will apply.

Credit Needed: Excellent/Good.

Reward Details:

  • You earn 2% unlimited cash back on purchases.
  • There is no no categories or limits to keep track of.

Why we like this card:

Not most credit card offers 2% unlimited cash back on all purchases, but the Wells Fargo Active Cash® Card offers. This makes it a great choice for common expenses like utility bills, medical and vet bills, home repairs, etc.

The card is worthwhile for those people who want a simple and straightforward rewards structure. The card offers decent welcome bonus with itroductory APR on purchases and balance transfer. Also, the card is a low-maintenance card with convenient redemption options for the rewards you earn.

Cardholders get Cellular Telephone Protection, Security features, and Zero Liability protection with this card. One major downside of this card is a high foreign transaction fee.

Pros & Cons

  • The card has no annual fee.
  • Unlimited 2% cash back on all purchases.
  • Intro APR for purchases and balance transfers.
  • Cellular Telephone Protection and Zero liabilit benefits.
  • High annual APR.
  • Foreign transaction fee.

How to Choose the Best Credit Card for Utilities

When it comes to choosing the best credit cards for monthly bills & utilities, consider credit card rewards points, annual fee, and annual APR.

Rewards

Every credit card allows you to earn reward points for every dollar you spend. So, don’t choose a card to pay for utility bills that doesn’t reward you. You need these reward points to cover charges and the rest of your regular spending. If the credit card makes you to overspend, then the card is not worth for you.

Don’t forget to check if the card has spending limits or capping on reward points. As, some credit cards limit the amount of reward points you earn within a quarter or a year.

Introductory Annual APR

Befor choosing a credit card, consider checking how long intrductory APR period the card offers. Generallly, it varies from 9 months to 21 months. Choose a card that offer longer intro APR offer, so you get enough time to pay back.

Bottom Line

So, we have covered the best credit card to pay bills and earn rewards, you can pick anyone from the list to pay monthly bills and utilities.

Whether you’re looking for rewards or cash back, these are excellent credit cards for paying bills. All these credit cards have no annual fee to low annual fee, but offers great rewards on everyday spending.

Best Credit Card for Utilities Related FAQs

Is it good to pay utility bills from a credit card?

In general, you should pay your utility bills with credit cards to earn rewards. But the charges will wipe out your rewards. If you want to earn more rewards, then your utility bill should be high. Generally, using a credit card to pay utility bills would add extra 5% to your bills, and you will get only 3% rewards if you lose 2%.

What are the best credit cards for utility bills?

Here are the best credit card for utility bills:
1. Blue Cash Preferred® Card from American Express
2. U.S. Bank Cash+® Visa Signature® Card
3. Chase Freedom Unlimited® Credit Card
4. Bank of America® Customized Cash Rewards credit card
5. Citi Double Cash® Card
6. Bilt World Elite Mastercard® Credit Card
7. Wells Fargo Active Cash® Card

Which credit card is best for grocery expenses?

The Blue Cash Preferred® Card from American Express is a solid choice for those people who spend a big amount on groceries, streaming services, and other expenses. You can earn up to 6% cashback on monthly and utility bills.

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