{"id":22801,"date":"2026-01-07T01:31:23","date_gmt":"2026-01-07T01:31:23","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=22801"},"modified":"2026-01-07T01:31:24","modified_gmt":"2026-01-07T01:31:24","slug":"best-credit-cards-for-bill-and-utility-payments","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=22801","title":{"rendered":"Best Credit Cards For Bill And Utility Payments"},"content":{"rendered":"<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<p>Most people have bills and utilities to pay every month. While many people pay these bills directly from their checking accounts or with a debit card, you can also use credit cards.<\/p>\n<p>One of the easiest ways to <u>maximize your credit card rewards<\/u> is to use cards for everyday spending to earn the most points or cash back in your most common categories. This includes your regular bills and utilities. Identifying where you\u2019ll get the most rewards when you pay your monthly bills with a credit card is a great way to boost your earnings on the money you\u2019re already spending.<\/p>\n<h2 id=\"top-cards-for-bills-utilities\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Top cards for bills and utility payments\" data-outcome=\"\">Top cards for bills and utility payments<\/h2>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-bankrates-view', 'heading-bankrates-view']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-bankrates-view')\" :aria-controls=\"$id('panel-bankrates-view')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Bankrate\u2019s view<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-bankrates-view')\" :aria-labelledby=\"$id('heading-bankrates-view')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>This card is great for earning on regular expenses that don\u2019t fall into bonus rewards categories. It has no annual fee and earns 2% cash back on all purchases \u2014 1% when you buy and 1% as you pay.<\/p>\n<p>You also won\u2019t have to keep track of bonus categories or spending limits. Rewards can be redeemed for cash or basic Citi ThankYou points. With a solid sign-up bonus and one of the best intro APR offers available for balance transfers, this is one of the top flat-rate cash back cards to pay your bills.<\/p>\n<\/div>\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div><\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>This card is one of the best flat-rate cash back cards available, making this an excellent option for a standalone card for all your bills.<\/li>\n<li>The intro APR offer is competitive for balance transfers.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Basic ThankYou points can\u2019t be transferred to Citi\u2019s travel partners.<\/li>\n<li>It charges foreign transaction fees, so we don\u2019t recommend using it abroad.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-bankrates-view', 'heading-bankrates-view']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-bankrates-view')\" :aria-controls=\"$id('panel-bankrates-view')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Bankrate\u2019s view<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-bankrates-view')\" :aria-labelledby=\"$id('heading-bankrates-view')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>This is one of the best credit cards for groceries. You earn 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%) and select U.S. streaming services. To maximize this card, you\u2019ll also get 3% cash back on transit and U.S. gas station purchases and 1% cash back on all other purchases.<\/p>\n<p>This card is one of the top options on the market to offer some cash back relief on grocery and gas payments you\u2019d already be making.<\/p>\n<\/div>\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>The card has excellent earning rates in numerous categories, making this a great choice for everyday purchases.<\/li>\n<li>It has one of the best rates for groceries and streaming expenses.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>The annual fee might be a deal-breaker for people.<\/li>\n<li>The U.S. supermarkets category doesn\u2019t include wholesale clubs, superstores or online grocery stores.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-bankrates-view', 'heading-bankrates-view']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-bankrates-view')\" :aria-controls=\"$id('panel-bankrates-view')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Bankrate\u2019s view<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-bankrates-view')\" :aria-labelledby=\"$id('heading-bankrates-view')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>This flat-rate card earns 2% cash rewards on purchases. It\u2019s a great choice to pay your cellphone bill since you\u2019ll get cellphone protection, which covers you against damage or theft for up to $600 per claim (maximum of two claims per year), with a $25 deductible.<\/p>\n<p>This no-annual-fee card has a solid intro APR and a great cash rewards welcome offer, making it straightforward and easy to use for most people.<\/p>\n<\/div>\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Earning unlimited 2% cash rewards on all purchases makes this card an easy choice for any purchase.<\/li>\n<li>This card has no annual fee to eat into your rewards earnings.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>It has no bonus categories to boost your earnings, meaning you can earn more with other cards in specific categories.<\/li>\n<li>Unlike other issuers, this card doesn\u2019t have another Wells Fargo card to pool rewards for additional redemption value.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-bankrates-view', 'heading-bankrates-view']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-bankrates-view')\" :aria-controls=\"$id('panel-bankrates-view')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Bankrate\u2019s view<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-bankrates-view')\" :aria-labelledby=\"$id('heading-bankrates-view')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>Having bad credit doesn\u2019t always exclude you from earning rewards. This card\u2019s 3% cash back categories include cable, internet, phone plans and streaming. Plus, it earns an extra 2% on grocery and wholesale club purchases \u2014 up to $2,500 in combined 2% and 3% category purchases, then 1%.<\/p>\n<p>You\u2019ll have to put down a $200 minimum security deposit, but if you only put your cable, internet, phone and streaming plans on this card and pay them off on-time, you can start to build your credit score.<\/p>\n<\/div>\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>It earns a high rate of cash back for a secured card with no annual fee.<\/li>\n<li>Cardholders can earn 6% cash back in the category of their choice for the first year.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>The rewards system can be a little complex, especially for people new to rewards cards.<\/li>\n<li>The bonus categories are capped to a combined $2,500 in purchases per quarter, which could be limiting, depending on your security deposit amount.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<h2 id=\"compare\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Comparing the best cards for bills and utility payments\" data-outcome=\"\">Comparing the best cards for bills and utility payments<\/h2>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table is-style-stripes has-fixed-layout wrapped\">\n<tbody>\n<tr>\n<td><strong>Card name<\/strong><\/td>\n<td><strong>Best for<\/strong><\/td>\n<td><strong>Highlights<\/strong><\/td>\n<td><strong>Annual fee<\/strong><\/td>\n<td><strong>Recommended credit score<\/strong><\/td>\n<\/tr>\n<tr>\n<td><span data-capi-name=\"221410611\">Citi Double Cash\u00ae Card<\/span><\/td>\n<td>Flat-rate cash back<\/td>\n<td>\n<strong>2% cash back<\/strong> on all purchases (1% when you buy, 1% when you pay)<\/td>\n<td><span data-capi-fee=\"ongoing_annual\" data-pid=\"221410611\">$0<\/span><\/td>\n<td>670\u2013850<\/td>\n<\/tr>\n<tr>\n<td><span data-capi-name=\"220310583\">Blue Cash Preferred\u00ae Card from American Express<\/span><\/td>\n<td>Groceries and streaming services<\/td>\n<td>\n<strong>6% cash back<\/strong> on U.S. supermarkets (up to $6,000 per year, then 1%)<br \/><strong>6% cash back <\/strong>on select U.S. streaming subscriptions<br \/><strong>3% cash back<\/strong> at U.S. gas stations and transit services<\/td>\n<td><span data-capi-fee=\"ongoing_annual\" data-pid=\"220310583\">$0 intro annual fee for the first year, then $95.<\/span><\/td>\n<td>Good to excellent<\/td>\n<\/tr>\n<tr>\n<td><span data-capi-name=\"7870\">Wells Fargo Active Cash\u00ae Card<\/span><\/td>\n<td>Cellphone bills<\/td>\n<td>\n<strong>2% cash rewards<\/strong> on purchases<\/td>\n<td><span data-capi-fee=\"ongoing_annual\" data-pid=\"7870\">$0<\/span><\/td>\n<td>670\u2013850<\/td>\n<\/tr>\n<tr>\n<td>Bank of America\u00ae Customized Cash Rewards Secured Credit Card*<\/td>\n<td>Bad credit<\/td>\n<td>\n<strong>3% cash back<\/strong> in a category of your choosing<br \/><strong>2% cash back <\/strong>at grocery stores and wholesale clubs (up to $2,500 in combined 2% and 3% category purchases, then 1%)<\/td>\n<td><span data-capi-fee=\"ongoing_annual\" data-pid=\"7941\">$0<\/span><\/td>\n<td>No credit history<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"how-to-choose\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to choose the best card for bills and utility payments\" data-outcome=\"\">How to choose the best card for bills and utility payments<\/h2>\n<p>While you don\u2019t have much control over your recurring bills and utilities, what you can control is how you choose to pay them. Note, however, that some utility companies may charge convenience fees for paying with a credit card. Make sure that you\u2019ll be able to offset it with rewards before you pay with a credit card.\u00a0<\/p>\n<p>No one card will be the correct answer for all of your bills and utilities since they all offer different bonuses and incentives. Here are some things to consider when deciding which card might work best for you:<\/p>\n<h3>Choose cash back, points or miles<\/h3>\n<p>When choosing the best rewards card for you, decide if you want points, miles or cash back. Points and miles offer the potential for booking trips and vacations, but they may lose value if you try to redeem them for cash back.<\/p>\n<p>Cash back is more straightforward. You\u2019ll earn a percentage of your spending back and can watch that cash back accumulate in your account, knowing it won\u2019t change in value. You can usually redeem those cash back earnings as a statement credit or direct deposit, but you usually need a more complicated plan to redeem points and miles. If you\u2019re just starting out with credit cards, cash back cards are likely your best option.<\/p>\n<h3>Run the numbers: fees vs. rewards<\/h3>\n<p>You\u2019ll want to calculate the value of points or cash back earned, then subtract any convenience or processing fees. It\u2019s worth it to pay bills and utilities with a credit card if it earns at least 3% cash back for that spending. For example, if your gas bill company applies a 2% processing fee for credit card charges and your card earns 5% back on utilities, you\u2019ll earn a net 3% cash back.<\/p>\n<p>Other fees and charges can quickly erase the value of your rewards, so consider annual fees, ongoing APRs and intro offers when making your decision.<\/p>\n<h3>Other benefits<\/h3>\n<p>Consider extra benefits and protections a card gives you when paying your bills and utilities, like cell phone protection and streaming credits. Paying these everyday expenses with a card that has elevated rewards and extra benefits is ideal.<\/p>\n<h3>How Bankrate staff maximize their utility and bill payments<\/h3>\n<div id=\"FirsthandQuote4ee1659c-310d-4b0b-b857-2b4f46b0e508\" class=\"firsthand-quote px-5 py-4 border-l-3 border-(--border-color) mb-8 md:px-12\" style=\"--border-color: #AAC7FE;\">\n<div class=\"py-5\">\n<div class=\"swiper\">\n<div class=\"swiper-wrapper\">\n<div class=\"swiper-slide !w-full !overflow-visible !h-auto !ml-0\">\n<div class=\"fhe-quote-item\">\n<div class=\"py-5 text-lg text-gray-900\">\n<p>\u201cI pay all the bills and utilities I can with my Capital One Venture X Rewards Credit Card \u2014 from cellphone and internet to electricity bills. This way, these inevitable expenses allow me to earn travel rewards at 2 miles per dollar. Not a bad deal, considering this spending category rarely earns any bonuses. Definitely check if there are any processing fees associated with using credit cards when you\u2019re setting up the payment. If so, these fees might negate any rewards you earn from such transactions.\u201d<\/p>\n<\/div>\n<div class=\"flex justify-content-end items-end flex-col\">\n<div class=\"flex items-center justify-end gap-2\">\n                    <img decoding=\"async\"  src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/01\/Ana-Staples_-Headshot-2021-scaled-1.webp\" class=\"inline-block rounded-full object-center object-cover size-8 mr-1 shrink-0\" alt=\"Ana Staples\" loading=\"eager\"\/><\/p>\n<p>        <span class=\"text-base text-gray-700 mb-0\"><\/p>\n<p>            Ana Staples,  Bankrate principal writer<br \/>\n        <\/span>\n    <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<div class=\"swiper-slide !w-full !overflow-visible !h-auto !ml-0\">\n<div class=\"fhe-quote-item\">\n<div class=\"py-5 text-lg text-gray-900\">\n<p>\u201cIf I\u2019ve got to pay bills (which I do), then I at least want to get some cash back on these annoying monthly payments. I\u2019ve used a number of different cash back cards for my bills and utilities over the years, but lately I\u2019ve been using my Fidelity\u00ae Rewards Visa Signature\u00ae Credit Card* pretty consistently. It\u2019s not the most exciting cash back card, but its 2 percent flat cash back rate is solid and the rewards go straight to my Fidelity investment account. Bills don\u2019t bring me joy, but investing for my future financial independence does \u2014 so my Fidelity card is perfect for these payments.\u201d<\/p>\n<\/div>\n<div class=\"flex justify-content-end items-end flex-col\">\n<div class=\"flex items-center justify-end gap-2\">\n                    <img decoding=\"async\"  src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/01\/John-Puterbaugh-scaled-1.webp\" class=\"inline-block rounded-full object-center object-cover size-8 mr-1 shrink-0\" alt=\"John Puterbaugh\" loading=\"eager\"\/><\/p>\n<p>        <span class=\"text-base text-gray-700 mb-0\"><\/p>\n<p>            John Puterbaugh,  Bankrate editorial senior director<br \/>\n        <\/span>\n    <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/div><\/div>\n<div class=\"swiper-controller flex justify-center items-center gap-8 mt-6\">\n                    <button class=\"swipe-button-prev size-10 rounded-full border-2 border-gray-300 text-blue-600 cursor-pointer font-sans font-bold inline-flex justify-center items-center hover:border-blue-600 hover:bg-blue-50 focus-visible:border-blue-600 focus-visible:bg-white focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-offset-2 focus-visible:ring-blue-600 active:border-blue-600 active:bg-blue-100 disabled:border-gray-200 disabled:bg-gray-100 disabled:text-gray-400 disabled:bg-white disabled:cursor-default\"><br \/>\n                        <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"size-4\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Left Icon<\/default:title><br \/>\n<default:path d=\"M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z\" class=\"icon-base\"\/><\/default:svg>                    <\/button><\/p>\n<p>                    <button class=\"swipe-button-next size-10 rounded-full border-2 border-gray-300 text-blue-600 cursor-pointer font-sans font-bold inline-flex justify-center items-center text-center leading-none tracking-tighter hover:border-blue-600 hover:bg-blue-50 focus-visible:border-blue-600 focus-visible:bg-white focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-offset-2 focus-visible:ring-blue-600 active:border-blue-600 active:bg-blue-100 disabled:border-gray-200 disabled:bg-gray-100 disabled:text-gray-400 disabled:bg-white disabled:cursor-default\"><br \/>\n                        <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"size-4\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Right Icon<\/default:title><br \/>\n<default:path d=\"M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z\" class=\"icon-base\"\/><\/default:svg>                    <\/button>\n                <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<h2 id=\"whats-next\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What\u2019s next?\" data-outcome=\"\">What\u2019s next?<\/h2>\n<h2 data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"The bottom line\" data-outcome=\"\">The bottom line<\/h2>\n<p>Paying your regular bills and utilities can earn plenty of rewards if you\u2019re <u>using the right credit card<\/u>. Finding the right combination for you can put significant rewards and savings back in your pocket. Just be sure to <u>pay your balance off<\/u> in full each month, because credit cards charge high interest rates, even to those with the best credit scores. If you can make your payments and the rewards outweigh the fees, you\u2019ll surely come out ahead when paying your everyday recurring expenses.<\/p>\n<p class=\"text-sm text-slate\"><em>*The information about the Bank of America\u00ae Customized Cash Rewards Secured Credit Card and Fidelity\u00ae Rewards Visa Signature\u00ae Credit Card<\/em> <em>has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.<\/em><\/p>\n<p class=\"text-sm text-slate\"><em>The Bank of America content in this post was last updated on Jan. 6, 2026<\/em>.<\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"RTobyHO9HA\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Up Icon<\/default:title><default:path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 1.228-.075a.722.722 0 0 0 .323-.323c.075-.15.075-.603.075-1.227v-7.683c0-.624 0-1.065-.075-1.227a.672.672 0 0 0-.323-.322c-.15-.075-.603-.076-1.227-.076h-.161v.01ZM13.057 3.8c-.14 0-.226 0-.259.011-.032 0-.086.043-.107.064a2.98 2.98 0 0 0-.226.399c-2.187 4.272-3.53 5.647-4.33 6.092.003.162.004.34.004.536v7.82l2.217 1.122c.28.14.42.216.56.27.107.032.214.064.332.075.151.021.314.021.626.021h4.594c1.022 0 1.539 0 1.862-.129a1.84 1.84 0 0 0 .763-.58c.215-.28.355-.808.613-1.765l.517-1.927c.495-1.85.775-2.873.603-3.475a2.309 2.309 0 0 0-1-1.313c-.538-.323-1.594-.323-3.51-.323h-1.129c-.226 0-.473 0-.72-.15a1.087 1.087 0 0 1-.464-.614c-.075-.301 0-.528.076-.754.957-2.97.603-4.26.301-4.777-.183-.312-.44-.506-.774-.57-.14-.033-.377-.033-.549-.033Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">Yes<\/span><br \/>\n            <\/button><br \/>\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--no border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-no=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-no\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"No\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Down Icon<\/default:title><default:path d=\"M19.26 2.175c.936 0 1.454 0 1.949.247.452.226.818.592 1.044 1.043.247.495.248 1.012.248 1.948v7.678c0 .936 0 1.453-.248 1.948a2.333 2.333 0 0 1-1.044 1.042c-.495.248-1.013.248-1.95.248h-.16c-.937 0-1.454 0-1.95-.248a2.33 2.33 0 0 1-.885-.777c-.637.596-1.79 2.176-3.314 5.155-.183.365-.312.602-.538.828a1.924 1.924 0 0 1-.722.441c-.258.086-.484.097-.742.097l.022-.011a5.39 5.39 0 0 1-.905-.064 2.741 2.741 0 0 1-1.852-1.345c-.71-1.216-.721-3.066-.022-5.496h-.516c-2.283 0-3.424 0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/credit-cards\/rewards\/best-credit-cards-for-bill-and-utility-payments\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Most people have bills and utilities to pay every month. While many people pay these bills directly from their checking accounts or with a debit card, you can also use credit cards. One of the easiest ways to maximize your credit card rewards is to use cards for everyday spending to earn the most points<\/p>\n","protected":false},"author":1,"featured_media":22802,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22801","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Credit Cards For Bill And Utility Payments | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Most people have bills and utilities to pay every month. 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