Best Credit Card for Utilities
Compare the top credit cards for electric, gas, water, and internet bills and find which one earns the most rewards.
Utility bills — electricity, gas, water, internet, and phone — are typically treated as general spending on most personal cards. Business cards with a utilities or recurring charges category can earn 2–3x on these essential monthly expenses.
Top Pick
More Good Options
IHG One RewardsIHG One Rewards Traveler Credit Card3xpts/dollar2.1%return3x on Utilities
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Target CircleTarget Circle Credit Card5xpts/dollar5.0%return5x base rate (no bonus for Utilities)
Bilt RewardsBilt Palladium Card2xpts/dollar4.0%return2x base rate (no bonus for Utilities)
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Rewards Calculator
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Common Questions
What is the best credit card for Utilities?
The Truist Enjoy Cash Visa Signature Card is currently the top pick for electric, gas, water, and internet bills, earning 3x points per dollar — an effective 3.0% return.
How many points do you earn on Utilities purchases?
The top-rated card for electric, gas, water, and internet bills, the Truist Enjoy Cash Visa Signature Card, earns 3x per dollar — an effective return of 3.0%.
Is there a no-annual-fee card that earns rewards on Utilities?
Yes — the Truist Enjoy Cash Visa Signature Card earns 3x on electric, gas, water, and internet bills with no annual fee (3.0% effective return).
Is a premium card worth the annual fee for Utilities spending?
The Bilt Palladium Card ($495/yr) earns 2x on electric, gas, water, and internet bills. If you spend $1,031/month or more on utilities, the rewards offset the annual fee — before counting travel credits and other perks.
Which card earns the most if I spend $500 per month on Utilities?
Truist Enjoy Cash Visa Signature Card: $180/yr, Imagine Visa Credit Card: $180/yr, IHG One Rewards Traveler Credit Card: $126/yr. The Truist Enjoy Cash Visa Signature Card earns the most at $500/month.
Do rotating category cards earn on Utilities?
Some cards — like Chase Freedom Flex and Discover it — occasionally feature utilities as a 5% bonus category for one quarter per year. Year-round, a dedicated utilities card typically outperforms rotating category cards since you can't always count on the bonus.