Bill payments and utility rewards with Value for Money weighted boost for essential payments.
5 cards ranked | Updated January 2026
Bill payment rewards
Biller acceptance
Monthly limits
Rate vs fee
Score: 71
Score: 70
Score: 70
Score: 45
Score: 41
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.
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.
Earning rewards on utilities turns necessary expenses into benefits. Since bills are unavoidable, even modest reward rates deliver guaranteed value month after month.
