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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.

credit cards for monthly bills and utilities
Credit: Johnny Jet

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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 information for the Chase Freedom Unlimited® has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

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 Ultimate Rewards
  • 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:

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.

Cardholders can also enjoy an entertainment bundle that includes Disney+, Hulu, and ESPN+. Get $7/month back in the form of a statement credit after spending $9.99 or more each month on an eligible subscription (subject to auto-renewal) with the Blue Cash Preferred Card. Enrollment required.

Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.

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

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 Center 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 card members can enjoy a free year of Instacart+ membership (subject to auto-renewal fees). 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.

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For rates and fees of The Blue Cash Preferred® Card from American Express, please click here.

1 Comment On "10 Best Credit Cards for Paying Monthly Bills & Utilities"
  1. enthusiast|

    Wyndham Rewards Earner Business: 5x points on utilities.

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