9 Best Credit Cards for Paying Bills & Utilities

9 Best Credit Cards for Paying Bills & Utilities

credit card advice

Brittney Mayer
By: Brittney Mayer
Posted: June 27, 2018
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

In the last century, we’ve gone from the introduction of household electricity to lives that often wholly depend on it — a fact that is struck home every time we open a new utility bill.

While making that payment each month certainly beats the alternative (roughing it may make an exciting camping trip, but everyday life demands hot showers and air conditioning), it doesn’t take much of the sting out of the cost of daily living. Especially when you start adding other bills — like costly cable and internet services — onto the pile.

Happily, there may be a credit card that can help. With the right rewards credit card, you can earn rewards on every payment, making that monthly reality check a little easier to bear.

Cash Back | Bonus Rewards | Business

Best Cash Back Cards for Bills & Utilities

One of the simplest way to earn rewards on your bills and utilities is with an all-purpose unlimited cash back rewards credit card. No categories to track, nothing to activate, just a flat earnings rate on every new purchase.

  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 15 months
0% Intro APR on Balance Transfers for 15 months
16.74% - 25.49% Variable
$0
Excellent/Good

The Chase Freedom Unlimited® not only offers unlimited 1.5% cash back on every card purchase, but it also comes with an introductory 0% APR offer and a solid signup bonus. Plus, your cash back can be turned into Ultimate Rewards® points if you have a Chase Sapphire Preferred® or Chase Sapphire Reserve® card.

BEST OVERALL RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
14.74% - 24.74% (Variable)
$0
Excellent, Good

If you’re over the 5/24 limit for a Chase card, the Capital One® Quicksilver® Card – 0% Intro APR for 15 Months has the same credit card benefits trifecta as the Chase Freedom Unlimited®. You’ll get unlimited 1.5% cash back rewards on top of an intro-APR offer and an attainable signup bonus.

CITI® RATING

★★★★★
4.8

OVERALL RATING

0.0/5.0
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% cash back as you pay for those purchases.
  • Earn $100 bonus cash back when you make $500 in card purchases in the first 3 months of account opening
  • Balance Transfers do not earn cash back.
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track and no caps on cash back.
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
14.99% - 24.99% (Variable)
$0
Excellent/Good

While the Citi® Double Cash Card doesn’t have an intro-APR offer, it does have a decent signup bonus. It also provides a little more cash back than your typical unlimited card, but you don’t get the full 2% cash back at once. Instead, you’ll earn 1% when you make a purchase and an additional 1% when you pay it off.

Best Bonus Rewards Cards for Bills & Utilities

Depending on the amount you spend on bills and utilities each month, it may be worthwhile to seek out a card that will offer you bonus rewards specifically for utility purchases. Some of these cards offer as much as 5% rewards for qualifying bills and utilities, which can make a big difference when you’re staving off the summer heat.

BEST OVERALL RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 15 months
0% Intro APR on Balance Transfers for 15 months
16.74% - 25.49% Variable
$0
Excellent/Good

The Chase Freedom® operates on a rotating category system that offers new bonus categories each quarter. Although the Chase Freedom® doesn’t offer bonus rewards for utilities year-round, you have a pretty good shot of earning 5% on certain bills and utilities, like internet, cable, and phone services, at least one quarter a year.

5. U.S. Bank Cash+™ Visa Signature® Card

Cardholders of the U.S. Bank Cash+™ Visa Signature® Card can earn up to 5% cash back on utilities by selecting “Home Utilities” as a 5% cash back category. Furthermore, you can also earn up to 5% cash back on your cell phone bill by selecting “Cell Phones” as your second 5% cash back category.

U.S. Bank Cash+™ Visa Signature® Card

  • Earn 5% cash back in two categories of your choosing, plus 2% cash back in an additional category you select
  • Earn 1% cash back on all other purchases
  • Pay no annual fee

You’ll need to select/activate your bonus categories each quarter, with the option to choose new bonus categories every three months. Bonus category rewards are earned on the first $2,000 in combined eligible net purchases each quarter.

6. Voice Credit Card® from Huntington

With the Voice Credit Card® from Huntington, you can earn 3X points per $1 spent paying your bills by selecting “Utilities & Office Supply Stores” as your bonus rewards category. Points are worth 1¢ apiece, giving you an effective 3% back on utilities.

Voice Credit Card® from Huntington

  • Earn 3X points per $1 in a bonus category you select from 10 options that include Utilities & Office Supply Stores
  • Earn 1X point per $1 on all other purchases
  • Pay no annual fee

Your bonus category is selected each quarter and you can choose the same category or pick a new category if you have other big expenses coming up. Bonus rewards can be earned on up to $2,000 in qualifying category purchases each quarter.

Best Business Cards for Bills & Utilities

As much as we may complain about the cost of consumer utilities, keeping your business’s lights (and phones, and heat) on can be a fairly large chunk of your overhead. But you can take a little weight off your business’s bottom line with a good rewards credit card.

BEST OVERALL RATING

★★★★★
4.6

OVERALL RATING

4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Named "Best Rewards Card for Small Business Owners" by Kiplinger's Personal Finance, July 2017
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 12 months
0% Intro APR on Balance Transfers for 12 months
14.99% - 20.99% Variable
$0
Excellent Credit

In the modern digital era, keeping your business connected can make all the difference. The Chase Ink Business Cash℠ Credit Card can help you stay in touch by providing 5% cash back rewards on internet, cable, and phone services, as well as office supply stores, on up to $25,000 in combined purchases each account anniversary year.

BEST OVERALL RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.74% - 22.74% Variable
$95
Excellent Credit

For the business owners who prefer points, the Ink Business Preferred℠ Credit Card offers 3X points per dollar on internet, cable, and phone services. Cardholders can also save on other key business bills, including shipping purchases, travel, and qualifying digital advertising. Category rewards are limited to the first $150,000 in combined purchases each account anniversary year.

BEST OVERALL RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

If your business’s monthly bills and utility payments don’t break the bank enough to make a specialist card worthwhile, try the Capital One® Spark® Cash for Business. With an unlimited 2% cash back on every purchase, including utilities, you can save on just about anything your business needs.

Earn a Little Extra on Life’s Necessities

Whether they come to you through email or snail-mail, few of us enjoy seeing the latest monthly installment of our utility bills. Of course, most of us would still rather pay our bills than spend a summer without air conditioning.

With a well-chosen rewards credit card, you can earn cash back or points on every payment, taking a little of the sting out of keeping all those modern conveniences up and running.

One thing to note is that some utility providers, most commonly electric and water services, may not allow bills to be paid with a credit card, and those that do allow it may charge a significant fee. Be aware of any potential fees or restrictions before making a payment to avoid unpleasant surprises.