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
No cards match these filters
No cards match these filters for Best Credit Cards for Utilities.
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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.