1
Best no-fee pick
Discover It
5% on Utilities — up to $1,500 in combined quarterly bonus-category spend, activation requiredCash Back🔥 Active now through December 31, 2026
Best Credit Cards for Utilities
Best cards for electric, gas, water, internet, and phone bill payments.
Electric, gas, water, internet & phone bills
4.3%
Avg no-fee back
5%
Best rate available
The short answer
Top picks — no annual fee
Keep forever · $0/yr2
Runner-up
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
3
Also good
Bread Rewards AmEx
3x on electric, gas & water — does not cover internet or phoneBread Points
4
Also good
Citi Custom Cash
No longer accepting applications5x utilities if top eligible categoryThankYou Points
Top picks — with annual fee
Pays for itself if used rightHonorable mentions
Annual fee
Reward type
Card type
Card network
1 card
#1
Citi Custom Cash
No FeeCash Back
1x everything else
- 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) are shown at 5x only during a quarter that category is actually active — checked against Chase and Discover's published quarterly calendars. Terms and reward rates are subject to change at each issuer's discretion.
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