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Paying monthly bills and utilities with a high-earning credit card can be an easy way to earn travel rewards or cash back from recurring transactions. It’s possible to earn bonus points on certain expenses like rent, streaming services, and home utilities. Here are some of the best credit cards for monthly bills and utilities to consider that may even pair with your favorite credit card rewards program.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Bilt World Elite Mastercard
The Bilt World Elite Mastercard® is your best option for paying rent without processing fees. Cardholders earn 1x point per $1 on rent payments and can receive up to 100,000 points per calendar year.
Dining purchases earn 3x points per $1, and travel spending earns 2x points, but you must make at least 5 monthly transactions to earn purchase rewards. Your points are most valuable for travel rewards as they are worth 1.25 cents through the Bilt travel center and there are several 1:1 Bilt transfer partners including American Airlines, Aeroplan, Flying Blue, and Hawaiian Airlines.
There is no annual fee or foreign transaction fee.
Related: The Bilt Credit Card Review: A New Way to Pay Rent
U.S. Bank Cash Visa Signature Card
The U.S. Bank Cash+® Visa Signature® Card lets you choose a 5% back and 2% rewards category for each quarter. Three of the 5% categories are home utilities, internet/phone/cable services, and cell phone providers. Two categories of choice earn 5% back on the first $2,000 in combined quarterly spending.
You can also earn 2% back on these categories: groceries, dining, gas stations, and EV charging stations.
Prepaid travel purchases through the U.S. Bank Rewards Travel Center earn 5% back. All remaining purchases earn 1% back.
There is no annual fee although a 3% foreign transaction fee applies (See Rates & Fees).
Related: The Best U.S. Bank Credit Cards
Citi Double Cash Card
The information for the Citi® Double Cash Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
Here is another option of the best credit cards for monthly bills and utilities. The Citi® Double Cash Card effectively earns 2% back on purchases as you get 1% at the time of purchase and the remaining 1% back when repaying your balance.
You may consider a flat-rate rewards credit card to earn an accelerated base rate on every purchase category which can boost your earning potential more than a tiered rewards card.
This card earns Citi ThankYou points that you can redeem for cash statement credits or bank deposits without a redemption minimum. Transferring your points to another Citi credit card or requesting gift cards is also possible.
There is no annual fee but a 3% foreign transaction fee applies.
Related: Citi Double Cash Review
Capital One Venture X Rewards Credit Card
Frequent travelers may love the straightforward earning rewards of the Capital One Venture X Rewards Credit Card, as all purchases earn 2x miles per $1 and more when using Capital One Travel. Qualifying flights earn 5x miles, and hotels or car rentals earn 10x.
This card includes complimentary airport lounge visits to participating networks, a $300 annual credit for Capital One Travel, and a 10,000 miles anniversary bonus.
The Venture X has the most benefits of the Capital One credit cards.
The annual fee is $395, and there is no foreign transaction fee.
Related: What Credit Score Do You Need for the Capital One Venture X?
Chase Freedom Unlimited
The Chase Freedom Unlimited® can help you earn a few more Ultimate Rewards® on a purchase instead of earning the base rate of 1x points on your Chase Sapphire Card or another Freedom Card.
Your purchases earn up to 5% back (awarded as Ultimate Rewards points):
- 5% on travel through Chase Travel℠
- 3% on dining, including takeout and eligible delivery services
- 3% on drugstore purchases
- 1.5% back on all remaining purchases
Here is another option of the best credit cards for monthly bills and utilities. There is no annual fee, but the foreign transaction fee is 3%.
Related: Chase Freedom Unlimited vs Chase Sapphire Preferred
Bank of America Customized Cash Rewards Credit Card
The Bank of America® Customized Cash Rewards Credit Card earns up to 3% back on purchases, and you can pick one of the rewards categories. More cash back credit cards are starting to offer personalization.
Your 5% back category is one of the following:
- Drug stores
- Gas
- Home improvement and furnishings
- Online shopping
- Travel
Grocery store and wholesale club purchases can earn 2% back. You will earn bonus cash back on the first $2,500 in combined quarterly spending on your 5% and 2% spending activity. All non-bonus purchases earn 1% back.
Additionally, Preferred Rewards members earn from 25% to 75% more rewards on all purchases.
There is no annual fee, and the foreign transaction fee is 3%.
Related: The Best Bank of America Credit Cards
Blue Cash Preferred Card from American Express
The Blue Cash Preferred® Card from American Express is an excellent option for groceries and streaming services as you can get up to 6% back. Qualifying gas and transit purchases earn 3% back and 1% back on everything else. You can redeem your rewards for cash statement credits.
Cash back comes in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com at checkout.
Plus, with their enrolled Blue Cash Preferred Card, cardholders who spend $9.99 or more each month on an auto-renewing Disney Bundle subscription receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
The annual fee is $0 for the first year and then $95 (See Rates & Fees).
Related: Why You Want To Get an American Express Credit Card
Wells Fargo Active Cash Card
The Wells Fargo Active Cash® Card earns unlimited 2% back on purchases, and the minimum redemption is $1 for statement credits. Cardholders can also enjoy up to $600 in yearly cell phone protection.
There is no annual fee, but the foreign transaction fee is 3%.
Related: The Best Wells Fargo Credit Cards
Instacart Mastercard
The information for the Instacart Mastercard® has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
If you rely on Instacart for grocery deliveries, the Instacart Mastercard® will help stretch your dollar in the supermarket aisle and on other common expenses:
- 5% back on Instacart purchases and Chase Travel℠ bookings
- 2% back at gas stations, restaurants, and on select streaming services
- 1% back on everything else
Here is another option of the best credit cards for monthly bills and utilities. This card’s earning potential makes it an underrated Chase credit card.
New Instacart Mastercard® cardholders can get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
Premium benefits include no delivery fees on orders above $35, 5% credit back on pickup, and a family account.
The annual fee is $0, and there is no foreign transaction fee.
Related: The Instacart Mastercard Review (Up to 5% Back)
Ink Business Cash Credit Card
The Ink Business Cash® Credit Card earns up to 5% back on recurring business purchases:
- 5% back on the first $25,000 spent on combined purchases at office supply stores plus internet, phone, and cable services
- 2% back on the first $25,000 on combined purchases at gas stations and restaurants
- 1% back on everything else
You can redeem your points for cash statement credits or award travel at 1 cent each. You can also transfer them to your Ink Business Preferred® Credit Card for a 25% travel redemption bonus and 1:1 point transfers.
The Ink Business Cash annual fee is $0, and the foreign transaction fee is 3%.
Related: Best Chase Business Credit Cards
Summary
These credit cards for monthly bills and utilities make it easy to earn bonus points and have flexible redemption options with your monthly bills. Cash rewards credit cards tend to offer the best rewards for these purchases. Plus, many don’t charge an annual fee.
Related Articles:
- Credit Score Needed For The Best Travel Rewards Credit Cards
- How Hard Is It To Get The Capital One Venture Rewards Credit Card?
- Does Citibank Have Lounge Access? What To Know
For rates and fees of The Blue Cash Preferred® Card from American Express, please click here.
Johnny Jet has partnered with CardRatings for our coverage of credit card products. Johnny Jet and CardRatings may receive a commission from card issuers. Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.
Wyndham Rewards Earner Business: 5x points on utilities.