Credit cards have become an integral part of modern financial management. They offer convenience, security, and, if chosen wisely, valuable rewards and cash back. If you’re looking for the best credit card to pay your bills and utilities while maximizing benefits, we’ve got you covered. In this comprehensive guide, we’ll explore some of the top credit cards that can help you earn rewards or cash back on your regular expenses.
1. Chase Freedom Unlimited
The Chase Freedom Unlimited card is an excellent choice for those who want to earn cash back on all their purchases, including bills and utilities. It often comes with a generous sign-up bonus and has no annual fee. The card offers an unlimited 1.5% cash back on every purchase, making it a versatile option for everyday expenses. Moreover, if you’re a traveler, the points earned with this card can be redeemed for travel rewards through the Chase Ultimate Rewards program, adding to its appeal.
2. Citi Double Cash Card
If simplicity is what you seek, the Citi Double Cash Card is an attractive option. This card provides 2% cash back on all purchases – 1% when you make the purchase and another 1% when you pay your bill. This straightforward structure means you’re earning rewards on every dollar you spend and every bill you pay. No categories to track or limits to worry about.
3. Blue Cash Preferred® Card from American Express
The Blue Cash Preferred card is perfect if you spend a lot on U.S. supermarket purchases and U.S. streaming services, which could encompass some of your regular bills. It does come with an annual fee, but the rewards can outweigh the cost. You can earn a generous 6% cash back on U.S. supermarket purchases (up to a spending cap) and 6% cash back on select U.S. streaming subscriptions. This makes it a fantastic choice for those who want to maximize rewards on their everyday expenses. Additionally, you’ll earn 3% cash back at U.S. gas stations and on transit expenses, making it even more appealing.
4. Discover it Cash Back
The Discover it Cash Back card offers rotating categories, which occasionally include utilities, where you can earn 5% cash back. It features no annual fee and offers a cash back match for new cardholders in their first year. The rotating categories can be a fun way to maximize your rewards, and they often include popular spending areas such as groceries and online shopping. Plus, you’ll get 1% cash back on all other purchases. Keep an eye on the rotating categories, and you can make the most of this card for your bill payments.
5. American Express Gold Card
While primarily a travel rewards card, the American Express Gold Card can be beneficial for those who spend a significant amount on groceries or dining out. This can include some of your bills and utilities, with 4x points at U.S. supermarkets and restaurants. These points are part of the valuable Membership Rewards program, which allows you to redeem them for travel, gift cards, and more. The card also offers an annual dining credit, which can offset the annual fee, making it an attractive option for food enthusiasts who want to maximize rewards.
6. Bank of America Cash Rewards Credit Card
The Bank of America Cash Rewards Credit Card allows you to select a 3% cash back category, including online shopping or gas, which can be used for certain bills. It doesn’t have an annual fee, and you can change your 3% category once a month, giving you flexibility to adapt to your spending needs. Furthermore, Bank of America customers can benefit from additional rewards through the Preferred Rewards program, which can boost your cash back earnings.
7. Citi Custom Cash Card
The Citi Custom Cash Card makes it easy to earn cash back by automatically awarding the highest percentage in your top eligible spending category, including bills and utilities. It’s a straightforward way to maximize rewards in your most frequent expense category. The card also often features an enticing sign-up bonus for new cardholders, making it an appealing choice for those looking for an instant reward boost.
8. Wells Fargo Propel American Express Card
The Wells Fargo Propel American Express Card offers 3x points on various categories, including streaming services and gas. This can be used for various bills and utilities. The card comes with no annual fee and offers a competitive rewards structure. It’s a versatile choice for individuals seeking to earn rewards on a wide range of everyday expenses.
9. U.S. Bank Cash+ Visa Signature Card
With the U.S. Bank Cash+ Visa Signature Card, you get to choose two 5% cash back categories, which could include utilities, along with a 2% category. This level of customization allows you to tailor your rewards to your specific spending habits, making it a great choice for those with diverse expenses. Additionally, this card features no annual fee and often includes a bonus offer for new cardholders.
Remember, the best credit card for you depends on your specific spending habits, whether you prefer cash back or travel rewards, and your comfort level with any annual fees associated with the card. Always pay your credit card bills in full each month to avoid high-interest charges and maximize the benefits of these cards. Before applying, make sure to read and understand the terms and conditions of any credit card.
Choose the credit card that aligns with your financial goals and enjoy the rewards and benefits that come with it. Paying your bills and utilities has never been more rewarding! It’s a savvy way to make the most of your everyday expenses and put money back in your pocket.
