1
Best no-fee pick
US Bank Cash+
5x on home utilities (one slot) + 5x on internet/cable/phone (second slot) — up to $2,000/qtr combined across both 5x categoriesUS Bank Points
Best Credit Cards for Utilities
Best cards for electric, gas, water, internet, and phone bill payments.
Electric, gas, water, internet & phone bills
Top picks — no annual fee
Keep forever · $0/yr2
Runner-up
Bread Rewards AmEx
3x on electric, gas & water — does not cover internet or phoneBread Points
3
Also good
Citi Custom Cash
No longer accepting applications5x utilities if top eligible categoryThankYou Points
No dedicated annual-fee pick stands out for this category — use your best flat-rate catch-all card instead.
See Everything Else category →Honorable mentions
Annual fee
Reward type
1 card
#1
Citi Custom Cash
No FeeCash Back
5x on top spend category (up to $500/mo)
- 5x on top spend category (up to $500/mo)
- 1x everything else
Click to see redemption options
$200 after $1,500 in 3 months
No dedicated card earning more here? Use your best catch-all card.
Best catch-all cards →Not sure which one fits you?
Our free quiz matches you to the right card based on your actual spending, credit score, and goals — in about 2 minutes.
Take the quiz →Cards listed here are selected from our database based on category earn rates — not sponsored placements. Rotating-category cards (Discover It, Chase Freedom Flex) assume the relevant category is active. Terms and reward rates are subject to change at each issuer's discretion.