Best Credit Cards for Utility Bills [2023]

Utilities typically include electricity, natural gas, water, sewer, and garbage, which are necessary expenses you likely pay on a monthly basis. Other utility-like expenses, often seen as necessities in today’s world, include your phone, internet, and cable TV or streaming services.

This guide on the best credit cards for utilities will help you understand how using credit cards to make your monthly bill payments can provide you with valuable benefits and rewards. To find the best credit card option for you, consider each card and how its features align with your personal finances.

The best credit cards for utility bills

• Best for cell phone protection: Chase Freedom Flex℠
• Best for streaming services: Blue Cash Preferred^® Card from American Express
• Best for overall spending on utilities: Citi Double Cash^® Card
• Best for home utilities as a rotating category: U.S. Bank Cash+^® Visa Signature^® Card
• Best for earning Ultimate Rewards: Chase Freedom Unlimited^®
• Best for business utility expenses: Ink Business Preferred^® Credit Card

How credit cards can save you money on utilities

Paying for just about any utility typically works the same way. You pay the utility companies each month and in return receive the helpful services they provide. But if you pay utility bills with a credit card, it could make the whole experience more rewarding, especially if you select cards based on your specific utility expenses and financial goals.

When you compare credit cards, you have plenty of options to choose from. If you want to offset the cost of your bills, consider a cash rewards credit card to earn cash back on every purchase. Or if you want to earn travel rewards, a travel credit card could help you get the points or miles you need for your upcoming trip.

But not every card offers the same level of rewards and benefits. Using one of the best rewards credit cards helps to make sure you get higher earning potential and useful card perks compared to the other available card options. In addition, picking a card that has spending categories that pair well with your specific utility expenses can make a lot of sense.

For example, if you subscribe to multiple streaming services, a credit card that earns bonus rewards for streaming subscriptions could be a good fit. Or if your biggest expense outside of utilities is shopping at the grocery store, then a card that also rewards you for that might be useful. Here are our suggestions for the best credit cards for utilities in different situations.

The best credit cards for utilities [December 2023]

Chase Freedom Flex℠: Best for cell phone protection

• Welcome bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening after account opening
• Earning rate: 5% cash back on rotating quarterly categories you activate (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% cash back on drugstore purchases and dining at restaurants (including takeout and eligible delivery service); and 1% cash back on all other purchases
• Annual fee: $0
• Intro APR: 0% intro APR on purchases for 15 months (then 20.49%-29.24% Variable)

The Chase Freedom Flex is a top choice if you pay a monthly cell phone bill because it offers cell phone protection. Considering how expensive it can be to fix or replace a cell phone, getting up to $800 in protection for each eligible claim and $1000 per year (maximum of two claims per 12-month period) is a helpful benefit. This coverage is notable as you don’t have many options for credit cards with cell phone protection.

In addition, the best way to earn is to take advantage of the rotating bonus categories. Each quarter Chase updates the bonus categories so you will want to monitor the Chase Freedom bonus category calendar and activate them as needed. You can redeem your built-up rewards for travel, a cash deposit, a statement credit, gift cards, and purchases with shopping partners. You can also pay for certain purchases with the Pay with Points feature.

Get more details at our Chase Freedom Flex review.

Blue Cash Preferred^® Card from American Express: Best for streaming services

• Welcome bonus: Earn a $250 statement credit after spending $3,000 on purchases in the first 6 months
• Earning rate: 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases
• Annual fee: $0 intro annual fee for the first year, $95 per year thereafter
• Intro APR: 0% intro APR on purchases for 12 months (then 19.24% - 29.99% Variable)

If you spend a lot on streaming your favorite shows and movies, the Blue Cash Preferred Card from American Express would likely make sense for you. It’s one of the best credit cards for streaming services because of how much cash back you can earn when paying for streaming subscriptions.

For example, if you pay $75 per month on streaming services, you could get 6% back, which would be $4.50. It might not seem like much, but over the course of a year that’s $54 in cashback savings (in the form of statement credits) on your streaming services alone.

Get more details at our Blue Cash Preferred Card from American Express review.

Citi Double Cash^® Card: Best for overall spending on utilities

• Earning rate: 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24
• Annual fee: $0
• Intro APR: 0% intro APR on balance transfers for 18 months (then 19.24% - 29.24% (Variable))

The Citi Double Cash Card is one of the best cash back credit cards available because of its high earning potential. Many cards offer a 1.5% cashback rate, yet the Citi Double Cash provides up to 2%, regardless of the expense category. Cardholders get the same rewards rate on all purchases.

This makes it an ideal choice for earning unlimited cash back when paying for all your monthly utility bills. Depending on where you live in the U.S., you could be paying over $300 each month on utilities, not including cell phone bills or streaming subscriptions. Over the course of a year at $300 per month, you would pay $3,600. Getting 2% cash back on this would be $72 back into your pocket.

Get more details at our Citi Double Cash Card review.

U.S. Bank Cash+^® Visa Signature^® Card: Best for home utilities as a rotating category

• Sign-up bonus: Earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
• Earning rate: 5% cash back on two categories you choose (up to $2,000 in combined eligible purchases each quarter) and on prepaid air, hotel and car reservations booked directly in the Rewards Center; 2% cash back on one everyday category, like gas stations/EV charging stations, grocery stores, or restaurants; and 1% cash back on all other eligible purchases
• Annual fee: $0
• Intro APR: 0% intro APR on balance transfers for 15 billing cycles (then 19.74% - 29.74% (Variable))

The U.S. Bank Cash+ Visa Signature Card takes a unique approach to its top-earning categories. You can earn 5% cash back on two categories you choose (up to $2,000 in combined eligible purchases each quarter). Available categories include cell phone providers and home utilities, as well as TV, internet, and streaming services.

You get to choose two of these categories each quarter, though you only get the 5% cashback bonus on the first $2,000 that you spend across the categories combined. But if you spend $2,000 each quarter on these utility categories, that’s $100 you get back every few months and $400 on the year. Not a bad return for simply paying your bills each month.

Get more details at our U.S. Bank Cash+ Visa Signature Card review.

Chase Freedom Unlimited^®: Best for earning Ultimate Rewards

• Sign-up bonus: Unlimited matched cash back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned (there is no limit to how much you can earn; every dollar in cash back rewards you earn is a dollar Chase will match)
• Earning rate: 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services and unlimited 1.5% cash back on all other purchases
• Annual fee: $0
• Intro APR: 0% intro APR on purchases for 15 months (then 20.49% - 29.24% Variable)

The Chase Freedom Unlimited is a great overall cashback card, but its general cashback rate of 1.5% is not as lucrative as the up to 2% found on the Citi Double Cash. However, if you want to earn Chase Ultimate Rewards points for the purpose of travel redemptions, the Chase Freedom Unlimited could make a lot of sense.

This is especially true when you pair Chase Freedom and Chase Sapphire cards. If you earn 10,000 Ultimate Rewards points from paying your utility bills with the Chase Freedom Unlimited, they would be worth $100 in travel redemptions. But you can transfer your points to a Chase Sapphire card and get more bang for your buck. 

Ten thousand points on the Chase Sapphire Preferred^® Card would be worth $125 in travel redemptions through the Chase Ultimate Rewards portal. The same 10,000 points would be worth $150 toward travel through the Chase Ultimate Rewards portal on the Chase Sapphire Reserve^®.

Get more details at our Chase Freedom Unlimited review.

Ink Business Preferred^® Credit Card: Best for business utility expenses

• Sign-up bonus: Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening
• Earning rate: 3X points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year; and 1X points per $1 on all other purchases
• Annual fee: $95

The Chase Ink Business Preferred Credit Card is one of the best business credit cards available. The high 3X earning rate on internet, cable, or phone services means you can rack up the rewards on these common business expenses. Many businesses require these utilities to stay running, so it makes sense to earn valuable Ultimate Rewards points on expenses you have to pay for anyway.

In addition, the Chase Ink Business Preferred provides a 25% bonus on travel redemptions made through the Chase Ultimate Rewards portal. So if you want to earn rewards to help offset your business travel costs, this card could be the right fit for you.

Get more details at our Chase Ink Business Preferred Credit Card review.

Methodology: How we chose these cards

We looked at a variety of credit card issuers and chose these cards based on their overall earning potential, rewards value, and benefits, as well as how these three criteria aligned with paying for monthly utilities. Then specific credit card offers were selected that could fit any number of potential situations.

For example, if you want to earn bonus rewards for rotating categories and get cell phone protection at the same time, the Chase Freedom Flex is likely your best option. But if you want to use utility bills to earn rewards and fuel your travels, cards that earn Ultimate Rewards points, such as the Chase Freedom Unlimited and the Chase Ink Business Preferred, are excellent choices.

Additional tips for saving money on your utility bills

If you want to continue offsetting the cost of your utility bills, consider these tips:

• Beware of fees: Some utility bills could charge a transaction fee if you want to pay with a credit card. If the rewards you earn on the card aren’t enough to make up for the fee and then some, it’s likely not worth using a credit card to pay for the bill.
• Pay off your card balance: Credit cards can help you earn rewards from paying your utility bills, but it’s not worth it if you don’t make your card payments or pay off your card balance in full each month. Paying credit card interest negates the rewards you earn and missing payments can negatively impact your credit. The exception to this would be if you have a card with a 0% interest rate, but even then you’ll need to have a plan for paying your balance before your promotional period ends.
• Use apps: Apps like Rocket Money and Trim can help you save money on utilities by helping you negotiate or cancel utility bills.

FAQs

Bottom line

Utility payments can make up a large portion of your monthly expenses, especially when you include cell phone plans, streaming services, and cable TV in your overall cost. Using the right credit card for your situation can help offset these costs through earning rewards, taking advantage of card benefits, or both. Using a credit card can also help your cash flow since you can plan better for when the card payment will come out of your bank account.

If you use a credit card to pay for utilities, remember to practice good habits, as you would with any financial product. In this case that includes paying your balance off in full each month and not missing any payments. This will help you earn rewards for your necessary expenses while not racking up interest or negatively affecting your credit score.

Unlimited Cash Back

Chase Freedom Unlimited^®

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Chase Freedom Unlimited^®

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Current Offer

SPECIAL OFFER: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match

Annual Fee

$0

Rewards Rate

5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services and unlimited 1.5% cash back on all other purchases

Benefits and Drawbacks

Benefits

• Unlimited matched cash back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned (there is no limit to how much you can earn; every dollar in cash back rewards you earn is a dollar Chase will match)
• Bonus rewards on eligible travel, dining, and drugstores
• No annual fee
• Intro APR on purchases and balance transfers

Drawbacks

• Has foreign transaction fee

Card Details

• SPECIAL OFFER: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
• Unlimited 1.5% cash back is just the beginning of what you can earn. You'll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• Member FDIC

Author Details

Ben Walker, CEPF Ben Walker, CEPF, is a Senior Credit Cards Writer at FinanceBuzz. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.

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