Rankings by math, not commissions. Advertiser Disclosure
Best cards → Utilities

💡 Best utilities credit cards — July 2026

Generated July 31, 2026 from 250 researched cards · 10 shown

No card issuer pays us today. UseThis has no affiliate links and no advertisers, so this ranking is pure math over published card terms — nothing on this page earns us a cent. How we're paid · Editorial policy

Power, water, gas bills, cable and internet.

🍽️ Dining🛒 Groceries⛽ Gas✈️ Travel📺 Streaming💊 Drugstores🛍️ Online shopping🏬 Wholesale clubs💡 Utilities🧾 Everything else
1
Cash+ Visa Signaturemust choose
US Bank · no annual fee
5% on utilities — but only as a chosen category.
you must select "TV/internet/streaming" (quarterly) · capped at $2,000 spend per quarter · activation required every quarter — not retroactive, so activate before you spend
Terms verified Jul 30, 2026 · issuer page
5%
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2
Upgrade Life Rewards Visa
Upgrade (bank partners) · no annual fee
3% on utilities.
Terms verified Jul 30, 2026 · issuer page
3%
Have it? Add it to your wallet →
3
Gold Cardflat rate
Robinhood (Coastal Community Bank) · no annual fee
3% on every purchase — no category to pick, no cap to watch.
requires a paid subscription on top of the annual fee
Terms verified Jul 30, 2026 · issuer page
3%
Have it? Add it to your wallet →
4
Susan G. Komen Customized Cash Rewardsmust choose
Bank of America · no annual fee
3% on utilities — but only as a chosen category.
you must select "Online shopping (incl. cable/internet/phone plans/streaming)" (monthly) · capped at $2,500 spend per quarter
Terms verified Jul 30, 2026 · issuer page
3%
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5
Venmo Credit Cardmust choose
Synchrony (Venmo) · no annual fee
3% on utilities — but only as a chosen category.
the issuer picks the category for you from where you actually spend · Top eligible category per statement period — automatic, uncapped
Terms verified Jul 30, 2026 · issuer page
3%
Have it? Add it to your wallet →
6
Customized Cash Rewardsmust choose
Bank of America · no annual fee
3% on utilities — but only as a chosen category.
you must select "Online shopping (incl. cable/internet/phone plans/streaming)" (monthly) · capped at $2,500 spend per quarter · First-year new cardholders (opened after 2025-06-01) earn 6% for 12 months
Terms verified Jul 30, 2026 · issuer page
3%
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7
Voice Rewards Credit Cardmust choose
Huntington Bank · no annual fee
3× on utilities — but only as a chosen category.
points valued at 1¢ each (our researched redemption value) · you must select "utilities-office-supplies" (user-selected) · capped at $2,000 spend per quarter · "Earn 3X rewards in the one category you choose from ten pre-selected categories, up to $2,000 in spend per quarter." Max 6,000 bonus points/quarter. · redemption: 1 point = 1 cent when redeemed as cash back; 6,000 max bonus points per quarter equals $60.
Terms verified Jul 30, 2026 · issuer page
3×≈ 3% at 1¢
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8
Bilt Palladium Cardflat rate
Bilt (Column N.A., serviced by Cardless) · $495/yr
2× on every purchase — no category to pick, no cap to watch.
points valued at 1.25¢ each (our researched redemption value)
Terms verified Jul 30, 2026 · issuer page
2×≈ 2.5% at 1.25¢
Have it? Add it to your wallet →
9
BJ's One+ Mastercardflat rate
Capital One · no annual fee
2% on every purchase — no category to pick, no cap to watch.
Terms verified Jul 30, 2026 · issuer page
2%
Have it? Add it to your wallet →
10
T-Mobile Visaflat rate
Capital One · no annual fee
2% on every purchase — no category to pick, no cap to watch.
Terms verified Jul 30, 2026 · issuer page
2%
Have it? Add it to your wallet →

How to read this

"Must choose" cards do not pay this rate by default. A 5% pick-your-category card earns 5% here only if you park it on this category (and on nothing else that month or quarter), and a rotating-calendar card earns it only while the issuer's published quarter includes this category — usually only after you activate. If you won't do that reliably, a flat-rate card lower down is worth more to you than the bigger number above it. "Conditions apply" means the rate needs something extra: a deposit balance, a wallet, a membership.

Rates are the published earn rate times the redemption value we researched for that card's currency — cash back at face value, points at the value recorded in our data. Caps, portal-only bookings and activation deadlines are printed on the row because they routinely halve the real return. We exclude discontinued cards, store-only cards, cards whose terms we haven't verified, and points cards whose currency we haven't valued (see below).

This ranks card terms. It is not a recommendation to apply for anything. If you already hold something on this list, the win is using it in the right place — that's what the app is for.

Not ranked — and why

These cards advertise a high earn rate for this category, but they pay hotel, airline or transferable points and we have not verified what that currency is actually worth. Ranking them at a made-up value would put them above cash-back cards on arithmetic we invented, so they sit here until the valuation is researched.