Best cards for Utilities
Open cards ranked for this spend. Select another category to switch the list.
The top 5 open cards in each category. The rate is the published category bonus, or the flat rate earned on that spend. Points and miles are ranked at about 1 cent each. Matching rates break toward a lower annual fee, then verified terms. Cards closed to new applicants are omitted. Card library collected 2026-10-09. Full catalog and terms.
Spending categories
GroceriesBest rate6%Amex Blue Cash PreferredGas & EVBest rate5%AAA Travel AdvantageDiningBest rate4xU.S. Bank Altitude GoOnline shoppingBest rate5%Amazon Prime VisaTravelBest rate10xCiti Strata PremierDrugstoresBest rate3%AAA Daily AdvantageWholesale clubsBest rate3%AAA Daily AdvantageStreamingBest rate6%Amex Blue Cash Preferred
More categories
Chosen retailersBest rate3xRobinhood Gold CardDepartment storesBest rate5%U.S. Bank Cash+ElectronicsBest rate5%U.S. Bank Cash+EntertainmentBest rate5%Capital One QuicksilverFlat bonus tierBest rate3xRobinhood Gold CardHome improvementBest rate3%BofA Customized Cash RewardsMobile walletBest rate3xRobinhood Gold CardRotating categoriesBest rate5%Chase Freedom FlexTargetBest rate5%Target Circle CardTop eligible categoryBest rate3xRobinhood Gold CardTransitBest rate5%U.S. Bank Cash+UtilitiesBest rate5%Chase Ink Business CashWalmartBest rate5%OnePay CashRewards (Walmart)
Top 5
| Card | Rate | Annual fee | Verified | Apply |
|---|---|---|---|---|
| Chase Ink Business CashChase | 5%First $25,000/yr combined office-supply + internet/cable/phone, then 1% · Business card; internet/cable/phone services. Also 5% at office supply stores (same… | $0 | Verified | Apply |
| U.S. Bank Cash+U.S. Bank | 5%First $2,000/quarter across the TWO chosen 5% categories, then 1% · Pick 2 of 12 quarterly: fast food, home utilities, TV/internet/streaming, department stor… | $0 | Verified | Apply |
| Robinhood Gold CardCoastal Community Bank | 3xFlat rate on this category · Requires Robinhood Gold ($50/yr or $5/mo); waitlist/invite-only · points ≈1¢/pt baseline | $0 | Verified | Apply |
| Wells Fargo AutographWells Fargo | 3xPhone plans only (cell + landline) · points ≈1¢/pt baseline | $0 | Verified | Apply |
| Citi Double CashCiti | 2%Flat rate on this category | $0 | Verified | Apply |
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