Best for Utilities
Bill payments and utility rewards with Value for Money weighted boost for essential payments.
306 cards ranked | Updated December 2025
Key Ranking Factors
Bill payment rewards
Biller acceptance
Monthly limits
Rate vs fee
AU SPONT Credit Card
Score: 41959
Score: 10054
Score: 2244
Federal Bank Scapia
Score: 1168
Score: 599
Score: 502
Score: 465
Score: 390
Score: 346
Score: 321
Score: 280
Score: 280
Score: 280
Score: 280
Score: 280
Score: 280
Score: 280
Score: 280
Score: 280
Score: 280
Score: 280
Score: 279
Score: 257
Score: 247
Score: 237
Score: 237
Score: 237
Altura
Score: 237
Score: 237
Score: 237
Score: 237
Score: 237
Score: 237
Score: 237
Score: 237
Score: 237
Score: 237
Score: 230
AU Ixigo Credit Card
Score: 222
Score: 222
Score: 215
Score: 215
Score: 204
Score: 197
Score: 197
Score: 195
Axis Bank Vistara Infinite
Score: 183
About Utility Rankings
Utility bills are unavoidable expenses. Cards with utility rewards turn these necessary payments into earning opportunities. We apply VFM^1.3 boost since utilities are essential for everyone.
How We Rank Utility Cards
- Utility rewards: Earning on electricity, water, gas, phone bills
- Bill pay coverage: Works across major billers
- Cap consideration: Reasonable limits on utility rewards
- VFM^1.3 boost: Essential expenses get strong weight
Utility Rate
Not excluded is keyCaps
Cover your billsWhat Makes a Great Utility Card
- Utility category: Cards that count bills as reward-earning
- No exclusions: Many cards exclude utility from rewards
- Decent caps: Enough to cover your monthly bills
Who Benefits from Utility Cards
- Those with significant monthly bills
- Households with multiple utility accounts
- Anyone wanting to earn on unavoidable expenses
Maximizing Utility Rewards
- Check exclusions: Many cards exclude utilities from rewards
- Consolidate payments: Pay all bills with one optimized card
- Autopay setup: Never miss bills and earn rewards automatically
Utility Card FAQ
Do most cards give rewards on utility bills?
Many cards exclude or reduce rewards on utility payments. Cards that include utilities at full reward rates are relatively rare and valuable for those with high bills.
Bottom Line
Earning rewards on utilities turns necessary expenses into benefits. Since bills are unavoidable, even modest reward rates deliver guaranteed value month after month.