Best Credit Cards for Utility
Maximize your rewards on Utility purchases. Compare 42 credit cards ranked by reward rate.
| Card | Top reward | Reward type | Annual fee |
|---|---|---|---|
| Airtel Axis 🇮🇳 IN · Axis Bank |
25% on Airtel bills via Airtel Thanks | Cashback | ₹500 |
| HSBC Live+ 🇮🇳 IN · HSBC India |
10% on dining, groceries and food deli | Cashback | ₹999 |
| ADCB SimplyLife Credit Card 🇦🇪 UAE · Abu Dhabi Commercial Bank |
5% cashback on groceries, dining & fue | Cashback | Lifetime free |
| Axis ACE 🇮🇳 IN · Axis Bank |
5% utility via Google Pay | Cashback | ₹499 |
| Discover it Cash Back 🇺🇸 US · Discover |
5% cash back on rotating quarterly cat | Cashback | Lifetime free |
| FAB Cashback Credit Card 🇦🇪 UAE · First Abu Dhabi Bank |
5% cashback on groceries, fuel & dinin | Cashback | د.إ350 |
| National Bank World Elite Mastercard 🇨🇦 CA · National Bank of Canada |
5% on food, delivery & gas | Cashback | C$150 |
| Canadian Tire Triangle World Elite Mastercard 🇨🇦 CA · Canadian Tire Financial Services |
4% Canadian Tire Money at Canadian Tir | Reward Points | Lifetime free |
| HSBC Cashback Visa Infinite 🇦🇪 UAE · HSBC UAE |
4% cashback on lifestyle, dining & gro | Cashback | د.إ1,500 |
| U.S. Bank Smartly Visa Signature 🇺🇸 US · U.S. Bank |
4% Up to 4% cash back on all purchases (w | Cashback | Lifetime free |
| ADCB TouchPoints World Elite 🇦🇪 UAE · Abu Dhabi Commercial Bank |
3.5% on government & utility payments | Reward Points | د.إ2,500 |
| Apple Card 🇺🇸 US · Goldman Sachs |
3% cash back on Apple and select merch | Cashback | Lifetime free |
| Axis super.money RuPay 🇮🇳 IN · Axis Bank |
3% on Scan & Pay via super.money | Cashback | Lifetime free |
| Bank of America Customized Cash Rewards 🇺🇸 US · Bank of America |
3% cash back on chosen category (gas, | Cashback | Lifetime free |
| Blue Cash Everyday Card from American Express 🇺🇸 US · American Express |
3% cash back at U.S. supermarkets | Cashback | Lifetime free |
| Rogers World Elite Mastercard 🇨🇦 CA · Rogers Bank |
3% cash back on Rogers, Fido and Shaw | Cashback | Lifetime free |
| CIBC Dividend Platinum Visa Card 🇨🇦 CA · CIBC |
2% cash back on gas, groceries and din | Cashback | C$79 |
| Citi Double Cash Card 🇺🇸 US · Citibank |
2% cash back on all purchases (1% when | Cashback | Lifetime free |
| National Bank syncro Mastercard 🇨🇦 CA · National Bank of Canada |
2% cash back on all purchases (rounded | Cashback | Lifetime free |
| SoFi Credit Card 🇺🇸 US · SoFi (Mariner Finance) |
2% cash back on all purchases (when re | Cashback | Lifetime free |
| Tangerine Money-Back Credit Card 🇨🇦 CA · Tangerine (Scotiabank) |
2% on selected categories | Cashback | Lifetime free |
| Capital One Quicksilver Cash Rewards Credit Card 🇺🇸 US · Capital One |
1.5% cash back on every purchase, ever | Cashback | Lifetime free |
| Capital on Tap Business Credit Card 🇬🇧 UK · Capital on Tap (issued by Barclays) |
1% cashback on all business spending | Cashback | Lifetime free |
| MBNA True Line Mastercard 🇨🇦 CA · MBNA (TD Bank) |
1% cash back on all purchases | Cashback | Lifetime free |
| Santander 123 Lite Credit Card 🇬🇧 UK · Santander UK |
1% cashback on household bills | Cashback | Lifetime free |
| Wells Fargo Reflect Card 🇺🇸 US · Wells Fargo |
1% cash back on every purchase | Cashback | Lifetime free |
| Axis Cashback 🇮🇳 IN · Axis Bank |
0.75% offline and travel | Cashback | ₹1,000 |
| American Express Cobalt 🇨🇦 CA · American Express Canada |
— | Reward Points | C$155.88 |
| American Express Nectar Credit Card 🇬🇧 UK · American Express UK |
— | Reward Points | Lifetime free |
| Bank of America Travel Rewards Credit Card 🇺🇸 US · Bank of America |
— | Travel Rewards | Lifetime free |
| Barclaycard Avios Plus 🇬🇧 UK · Barclaycard |
— | Travel Miles | £260 |
| C6 Mastercard Black 🇧🇷 BR · C6 Bank |
— | Reward Points | R$480 |
| Citi Custom Cash Card 🇺🇸 US · Citibank |
— | Reward Points | Lifetime free |
| Discover it Miles 🇺🇸 US · Discover |
— | Travel Miles | Lifetime free |
| HDFC BizBlack 🇮🇳 IN · HDFC Bank |
— | Reward Points | ₹10,000 |
| HDFC BizPower 🇮🇳 IN · HDFC Bank |
— | Reward Points | ₹2,500 |
| Ink Business Preferred Credit Card 🇺🇸 US · Chase |
— | Reward Points | $95 |
| Ink Business Unlimited Credit Card 🇺🇸 US · Chase |
— | Reward Points | Lifetime free |
| MBNA Rewards World Elite Mastercard 🇨🇦 CA · MBNA (TD Bank) |
— | Reward Points | C$120 |
| Scotiabank Gold American Express Card 🇨🇦 CA · Scotiabank |
— | Reward Points | C$120 |
| Standard Chartered Ultimate 🇮🇳 IN · Standard Chartered |
— | Reward Points | ₹5,000 |
| U.S. Bank Altitude Connect Visa Signature 🇺🇸 US · U.S. Bank |
— | Reward Points | Lifetime free |