Best credit cards for Utilities
Top pick: the Discover it® Cash Back at about 5.0% back.
Best overall
this quarter's 5% category — activation required
Best with no annual fee
Best of your cards Add your cards to see yoursTakes 30 seconds. No account, no bank login.this quarter's 5% category — activation required
What does a “cap” mean?
Some bonuses only apply up to a spending limit — say 6% on the first $6,000 a year at U.S. supermarkets. Past the cap, the card earns its base rate (often 1%). Log your spend in your wallet and our answers switch to your next best card once a cap is used up.
What's a point worth?
Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.
All cards ranked for utilities
Value points as
- 1Discover it® Cash BackNo annual fee · this quarter's 5% category — activation required5.0%5% back
- 2U.S. Bank Cash+® Visa Signature® CardNo annual fee · if you pick it as your bonus category · 5% on your two chosen categories (first $2,000 combined each quarter) — also offered: fast food, sporting goods, select clothing and furniture stores5.0%5% back
- 3Discover it® Secured Cash BackNo annual fee · this quarter's 5% category — activation required5.0%5% back
- 4Discover it® Student Cash BackNo annual fee · this quarter's 5% category — activation required5.0%5% back
- 5Bilt Palladium Card$495/yr · Base rate on everything4.0%2x points
- 6Capital One Venture Rewards Credit Card$95/yr · Base rate on everything3.7%2x points
- 7Capital One Venture X Rewards Credit Card$395/yr · Base rate on everything3.7%2x points
- 8Robinhood Gold Card$50/yr · Base rate on everything3.0%3% back
- 9Citi Strata Elite℠ Card$595/yr · Base rate on everything2.8%1.5x points
- 10Capital One VentureOne Rewards Credit CardNo annual fee · Base rate on everything2.3%1.25x points
Show all 87 cards
- 11SoFi Unlimited 2% Credit CardNo annual fee · Base rate on everything2.0%2% back
- 12Apple CardNo annual fee · Base rate on everything2.0%2% back
- 13Citi Double Cash® CardNo annual fee · Base rate on everything2.0%2% back
- 14Wells Fargo Active Cash® CardNo annual fee · Base rate on everything2.0%2% back
- 15Bread Cashback® American Express® Credit CardNo annual fee · Base rate on everything2.0%2% back
- 16American Express® Green Card$150/yr · Base rate on everything2.0%1x points
- 17Chase Sapphire Reserve®$795/yr · Base rate on everything2.0%1x points
- 18American Express® Gold Card$325/yr · Base rate on everything2.0%1x points
- 19Chase Sapphire Preferred® Card$95/yr · Base rate on everything2.0%1x points
- 20The Platinum Card® from American Express$895/yr · Base rate on everything2.0%1x points
- 21Bilt Blue CardNo annual fee · Base rate on everything2.0%1x points
- 22Bilt Obsidian Card$95/yr · Base rate on everything2.0%1x points
- 23Citi Strata Premier℠ Card$95/yr · Base rate on everything1.9%1x points
- 24World of Hyatt Credit Card$95/yr · Base rate on everything1.7%1x points
- 25Citi® / AAdvantage® Executive World Elite Mastercard®$595/yr · Base rate on everything1.6%1x points
- 26Citi® / AAdvantage® Platinum Select® World Elite Mastercard®$99/yr · Base rate on everything1.6%1x points
- 27Citi® / AAdvantage® Globe™ Mastercard®$350/yr · Base rate on everything1.6%1x points
- 28Capital One Quicksilver Cash Rewards Credit CardNo annual fee · Base rate on everything1.5%1.5% back
- 29Hilton Honors American Express Surpass® Card$150/yr · Base rate on everything1.5%3x points
- 30Hilton Honors American Express CardNo annual fee · Base rate on everything1.5%3x points
- 31Bank of America® Travel Rewards Credit CardNo annual fee · Base rate on everything1.5%1.5x points
- 32Bank of America® Premium Rewards® Elite Credit Card$550/yr · Base rate on everything1.5%1.5x points
- 33Bank of America® Premium Rewards® Credit Card$95/yr · Base rate on everything1.5%1.5x points
- 34Discover it® MilesNo annual fee · Base rate on everything1.5%1.5x points
- 35Hilton Honors American Express Aspire Card$550/yr · Base rate on everything1.5%3x points
- 36Chase Freedom Unlimited®No annual fee · Base rate on everything1.5%1.5x points
- 37IHG One Rewards Premier Select Credit Card$350/yr · Base rate on everything1.5%3x points
- 38QuicksilverOne Rewards$39/yr · Base rate on everything1.5%1.5% back
- 39Chase Freedom Rise® Credit CardNo annual fee · Base rate on everything1.5%1.5x points
- 40IHG One Rewards Premier Credit Card$150/yr · Base rate on everything1.5%3x points
- 41Bank of America® Unlimited Cash Rewards Credit CardNo annual fee · Base rate on everything1.5%1.5% back
- 42OnePay CashRewards CardNo annual fee · Base rate on everything1.5%1.5% back
- 43Capital One Quicksilver Secured Cash Rewards Credit CardNo annual fee · Base rate on everything1.5%1.5% back
- 44Atmos™ Rewards Ascent Visa Signature®$95/yr · Base rate on everything1.4%1x points
- 45Marriott Bonvoy Bountiful™ Card$250/yr · Base rate on everything1.4%2x points
- 46Marriott Bonvoy Bevy™ American Express® Card$250/yr · Base rate on everything1.4%2x points
- 47Marriott Bonvoy Brilliant® American Express® Card$650/yr · Base rate on everything1.4%2x points
- 48Marriott Bonvoy Boundless® Credit Card$95/yr · Base rate on everything1.4%2x points
- 49United℠ Explorer Card$150/yr · Base rate on everything1.4%1x points
- 50United Club℠ Card$695/yr · Base rate on everything1.4%1x points
- 51United Quest℠ Card$350/yr · Base rate on everything1.4%1x points
- 52United Gateway CardNo annual fee · Base rate on everything1.4%1x points
- 53JetBlue Plus Card$99/yr · Base rate on everything1.3%1x points
- 54Southwest Rapid Rewards® Plus Credit Card$97/yr · Base rate on everything1.3%1x points
- 55Southwest Rapid Rewards® Premier Credit Card$99/yr · Base rate on everything1.3%1x points
- 56Southwest Rapid Rewards® Priority Card$229/yr · Base rate on everything1.3%1x points
- 57Wyndham Rewards Earner® Plus Card$75/yr · Base rate on everything1.1%1x points
- 58Delta SkyMiles® Blue American Express CardNo annual fee · Base rate on everything1.1%1x points
- 59Delta SkyMiles® Gold American Express Card$150/yr · Base rate on everything1.1%1x points
- 60Delta SkyMiles® Reserve American Express Card$650/yr · Base rate on everything1.1%1x points
- 61Delta SkyMiles® Platinum American Express Card$350/yr · Base rate on everything1.1%1x points
- 62Chase Freedom Flex®No annual fee · Base rate on everything1.0%1x points
- 63Blue Cash Everyday® Card from American ExpressNo annual fee · Base rate on everything1.0%1% back
- 64Capital One SavorOne Cash Rewards Credit Card$39/yr · Base rate on everything1.0%1% back
- 65U.S. Bank Altitude® Go Visa Signature® CardNo annual fee · Base rate on everything1.0%1x points
- 66AT&T Points Plus® Card from CitiNo annual fee · Base rate on everything1.0%1x points
- 67Amazon Prime VisaNo annual fee · Base rate on everything1.0%1% back
- 68Costco Anywhere Visa® Card by CitiNo annual fee · Base rate on everything1.0%1% back
- 69Navy Federal More Rewards American Express® CardNo annual fee · Base rate on everything1.0%1x points
- 70IHG One Rewards Credit CardNo annual fee · Base rate on everything1.0%2x points
- 71Cashback Rewards Plus American Express® CardNo annual fee · Base rate on everything1.0%1% back
- 72American Express® Blue Cash Preferred® Card$95/yr · Base rate on everything1.0%1% back
- 73Wells Fargo Autograph℠ CardNo annual fee · Base rate on everything1.0%1x points
- 74Bank of America® Customized Cash Rewards Credit CardNo annual fee · Base rate on everything1.0%1% back
- 75Barclays View™ Mastercard®No annual fee · Base rate on everything1.0%1% back
- 76Citi Strata℠ CardNo annual fee · Base rate on everything1.0%1x points
- 77Capital One Savor Cash Rewards Credit CardNo annual fee · Base rate on everything1.0%1% back
- 78Navy Federal Flagship Premier Visa Signature$95/yr · Base rate on everything1.0%1x points
- 79Wells Fargo Autograph Journey℠ Card$95/yr · Base rate on everything1.0%1x points
- 80Discover it® Chrome Gas & Restaurants Credit CardNo annual fee · Base rate on everything1.0%1% back
- 81Robinhood Platinum Card$695/yr · Base rate on everything1.0%1% back
- 82Discover it® Student ChromeNo annual fee · Base rate on everything1.0%1% back
- 83Capital One Savor Student Cash Rewards Credit CardNo annual fee · Base rate on everything1.0%1% back
- 84PenFed Platinum Rewards Visa Signature® CardNo annual fee · Base rate on everything0.9%1x points
- 85Marriott Bonvoy Bold® Credit CardNo annual fee · Base rate on everything0.7%1x points
- 86Wells Fargo Reflect® CardNo annual fee · No rewards — this card is built for its 0% intro APR0.0%No rewards
- 87Citi Simplicity® CardNo annual fee · No rewards — this card is built for its 0% intro APR0.0%No rewards
Popular utilities merchants
Common questions
What's the best credit card for utilities?
Right now the Discover it® Cash Back earns the most on utilities: about 5.0% back.
What counts as utilities?
Electric, water, sewer and natural-gas utility bills.
What doesn't count as utilities?
Many utilities charge a convenience fee for card payments. Phone, internet and cable are separate categories.
Rates are effective value per dollar (points × what a point is worth to you — see how we rank). PayWithThis is independent and not affiliated with any issuer. Verify current terms with the issuer before applying.