Top 10 Best Credit Cards for Bills: Maximize Your Savings

In today’s digital age, finding the best credit card for bills has become a top priority for savvy consumers. With the right card, individuals can maximize their savings and earn rewards on everyday expenses. As more people seek ways to make their money work harder, choosing a credit card that offers benefits for bill payments has gained significant importance.

This article explores the top credit cards for paying bills, covering a range of options to suit different needs. From cash-back rewards to travel perks, we’ll look at cards that offer value when used for monthly bills. We’ll also examine cards tailored for specific expenses like streaming services, utilities, and rent payments. By the end, readers will have a clear understanding of how to choose the best credit card to pay bills and boost their financial rewards.

Cash Back Best Credit Cards for Bills Payment

Cash-back credit cards offer an excellent way to earn rewards on bill payments. These cards come in various types, each with its own unique benefits and reward structures.

Best Flat-Rate Cash Back Card

For those seeking simplicity and consistency, flat-rate cash back cards are an ideal choice. The Wells Fargo Active Cash® Card stands out in this category, offering 2% cash rewards on all purchases ¹. This card comes with a $0 annual fee and a sign-up bonus of $200 cash rewards after spending $500 in the first 3 months ². Its straightforward rewards structure eliminates the need to track or activate cash rewards categories, making it perfect for everyday bill payments ³.

Another strong contender is the Citi Double Cash® Card, which earns 1% cash back when you spend and an additional 1% when you pay off your purchases ². This card also features a $0 annual fee and a sign-up bonus of $200 cash back after spending $1,500 in the first 6 months ².

Best Rotating Category Cash Back Card

Rotating category cards offer higher cash back rates in specific spending categories that change periodically. The Chase Freedom Flex® is a standout option, earning 5% cash back in quarterly bonus categories on up to $1,500 in combined spending each quarter (activation required) ⁴. This card’s bonus categories often include everyday expenses like groceries, gas stations, and online shopping ⁵.

The Discover it® Cash Back is another excellent choice, offering 5% back on up to $1,500 in spending on rotating quarterly categories (activation required) ⁴. Historically, its bonus categories have included restaurants, grocery stores, and home improvement stores ⁴.

Best Tiered Cash Back Card

Tiered cash back cards offer higher rewards rates in specific, fixed categories. The Blue Cash Preferred® Card from American Express is a top performer in this category. It earns 6% cash back at U.S. supermarkets (up to $6,000 a year, then 1%), 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations and on transit, and 1% on all other purchases ². While it has a $95 annual fee (waived for the first year), the high rewards rates can quickly offset this cost for many households ².

For those who prefer a no-annual-fee option, the Capital One SavorOne Cash Rewards Credit Card offers high rates on both dining and grocery stores, making it an excellent choice for food-related expenses ¹.

Travel Rewards Cards for Bills

Best General Travel Card

For those seeking flexibility in their travel rewards, the Chase Sapphire Preferred® Card stands out as an excellent choice. This card offers elevated rewards on travel and dining purchases, making it ideal for everyday spending and bill payments ⁶. Cardholders earn 5 points per $1 spent on all travel booked through Chase, 3 points per $1 on dining and select streaming services and 2 points per $1 on other travel purchases ⁶.

One of the card’s most attractive features is its sign-up bonus. New cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months, which translates to $750 when redeemed through Chase Travel℠ ⁶. The points earned with this card are particularly valuable, worth 1.25 cents each when redeemed for travel through Chase ⁶.

The Chase Sapphire Preferred® Card also offers a broad definition of travel expenses, allowing cardholders to earn bonus points on various commuting costs. This includes ride-hailing services, public transit, taxis, toll bridges, highways, and even parking fees ⁷.

Best Airline Card for Bills

For those who frequently fly with United Airlines, the United℠ Explorer Card is an excellent choice for bill payments. This card offers a generous sign-up bonus of 60,000 miles after spending $3,000 on purchases in the first 3 months ⁸.

Cardholders earn 2 miles per $1 spent on dining, hotel stays, and United® purchases and 1 mile per $1 spent on all other purchases, including bill payments ⁸. The card also comes with valuable travel perks such as a free checked bag on United flights, priority boarding, and two one-time United Club℠ passes per year ⁸.

Best Hotel Card for Bills

The World of Hyatt Credit Card stands out as the best hotel card for bill payments. New cardholders can earn 30,000 Bonus Points after spending $3,000 on purchases in the first 3 months ⁸.

This card offers a tiered rewards structure that benefits both Hyatt stays and everyday spending. Cardholders earn 4 Bonus Points per $1 spent at Hyatt hotels, 2 Bonus Points per $1 spent on fitness club and gym memberships, local transit, and commuting, and 1 Bonus Point per $1 spent on all other purchases, including bill payments ⁸.

When using travel rewards cards for bill payments, it’s crucial to calculate whether the rewards earned outweigh any potential fees. Some utility companies may charge convenience fees for credit card payments, but these can often be offset by the rewards earned ⁹. For instance, if a gas bill company applies a 2% processing fee and the card earns 5% back on utilities, the net cashback would be 3% ⁹.

Business Credit Cards for Utility Payments

Best Flat-Rate Business Card

For businesses seeking simplicity and consistency in their rewards, the Wells Fargo Signify Business Cash℠ Card stands out as an excellent choice. This card offers unlimited 2% cash back on all eligible purchases, making it ideal for various business expenses, including utility payments ¹⁰. The straightforward rewards structure eliminates the need to track or activate bonus categories, allowing business owners to focus on their operations rather than managing their credit card rewards.

Another strong contender in this category is the Capital One Spark Cash Select for Excellent Credit. This card provides unlimited 1.5% cash back on all purchases, with no annual fee ¹⁰. It also comes with a generous welcome offer of $750 cash back after meeting the spending requirement, making it an attractive option for businesses looking to maximize their rewards on utility payments and other expenses ¹⁰.

Best Tiered Rewards Business Card

For businesses that want to earn higher rewards in specific categories, the Ink Business Cash® Credit Card offers a compelling tiered rewards structure. This card provides 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services for each account anniversary year ¹⁰. This makes it particularly valuable for businesses with significant utility and telecommunication expenses.

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is another excellent option for tiered rewards. It offers 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants ¹⁰. Additionally, this card provides a 0% intro APR period on purchases and balance transfers, making it a good choice for businesses looking to manage their cash flow while earning rewards on utility payments ¹⁰.

Best Cards for Streaming Services and Internet Bills

Top Card for Streaming

The Blue Cash Preferred® Card from American Express stands out as the top choice for streaming enthusiasts. This card offers an impressive 6% cash back on select U.S. streaming subscriptions, the highest percentage available in this category ¹¹. With the growing popularity of streaming services, this card provides significant value for those who have embraced cord-cutting. New cardholders can also benefit from a $250 statement credit after spending $3,000 in eligible purchases within the first 6 months ¹².

Best Card for Internet and Cable

For those looking to maximize rewards on internet and cable bills, the Chase Ink Business Cash® card is an excellent option. It offers 5x points on the first $25,000 spent on office supply stores, internet, cable, and phone services combined every year ¹³. This makes it particularly valuable for small business owners or freelancers with significant internet and cable expenses.

Honorable Mentions

Several other cards offer attractive rewards for streaming and internet services:

1. Capital One SavorOne Cash Rewards Credit Card: This no-annual-fee card provides unlimited 3% cash back on popular streaming services, along with dining, entertainment, and grocery store purchases ¹².

2. Chase Sapphire Preferred® Card: While known for its travel benefits, this card also offers 3 points per dollar spent on select streaming services ¹¹.

3. U.S. Bank Cash+® Visa Signature® Card: This card allows cardholders to earn up to 5% cash back on streaming services when selected as one of two 5x categories quarterly ¹³.

4. Citi Custom Cash® Card: It automatically earns 5% cash back on the eligible category where you spend the most, with select streaming services being one of those categories ¹¹.

Credit Cards for Utility and Insurance Payments

Best Card for Utilities

The U.S. Bank Cash+® Visa Signature® Card stands out as an excellent choice for utility payments. This card allows cardholders to choose their own rotating categories to earn 5% cash back each quarter, enabling them to save more in areas where they spend the most monthly ⁷. Additionally, it offers 2% cash back in one everyday category of the cardholder’s choice, such as grocery stores or gas stations ⁷.

Another strong contender is the Blue Cash Preferred® Card from American Express. While it’s known for its generous 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and on select U.S. streaming subscriptions, it also provides valuable rewards on other monthly expenses ⁷.

For those seeking simplicity, the Wells Fargo Active Cash® Card offers a consistent 2% unlimited cash back on all purchases, including utility bills ⁷. This card also comes with a $200 cash bonus after spending $500 in purchases within the first three months ⁷.

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Top Pick for Insurance Payments

When it comes to insurance payments, several major insurers accept credit card payments. Progressive, Geico, and State Farm all allow payment by credit card for auto insurance premiums ¹⁴. However, it’s crucial to check if there are any fees associated with using a credit card, as these could negate the benefits of earning rewards ¹⁴.

For homeowners insurance, the ability to use a credit card depends on the insurer and the status of the mortgage. Those without a mortgage have more flexibility in payment methods, but homeowners with a mortgage and an escrow account may have limited options for credit card payments ¹⁴.

Cards with Utility Bill Protections

The Citi Custom Cash® Card offers a unique advantage for utility payments. It automatically provides 5% cash back on up to $500 spent in the highest spend category per billing cycle, which could include utility bills for many households ⁷¹⁵. This feature allows cardholders to maximize their rewards without having to track or choose bonus categories manually.

For those with significant utility expenses, the Chase Sapphire Preferred® Card could be beneficial. While primarily known for travel rewards, it has a broad definition of what constitutes travel expenses, potentially including some utility-related costs like toll bridges and parking fees ⁷.

When selecting a card for utility and insurance payments, it’s essential to consider any potential fees imposed by service providers and weigh them against the rewards earned. This approach ensures that the benefits of using a credit card outweigh any additional costs.

Rent and Mortgage Payment Credit Cards

Best Card for Rent Payments

The Bilt card stands out as an excellent choice for rent payments. It’s marketed specifically for this purpose, with no fees associated with paying rent ¹⁶. This makes it an attractive option for renters looking to maximize their rewards without incurring additional costs.

However, if a landlord accepts typical credit cards, there might be better reward options, particularly for earning miles. It’s crucial to consider any potential fees imposed by the landlord or property management company when using a different card ¹⁶. Over the past decade, the number of consumers using credit cards to pay rent has increased, with usage spiking during the pandemic ¹⁷.

Options for Mortgage Payments

Paying mortgages with credit cards is more challenging than rent payments. Most mortgage lenders don’t accept credit card payments directly ¹⁸. However, some options exist:

1. Plastiq: This payment processing service allows Mastercard or Discover cardholders to pay their mortgage for a 2.85% fee ¹⁸.
2. Restrictions: Visa and American Express cards cannot be used for mortgage payments through Plastiq ¹⁸.

It’s important to note that due to the associated fees, paying a mortgage with a credit card is often not financially beneficial for most people ¹⁸.

Pros and Cons of Paying Housing Costs with Credit

Pros:

1. Rewards: Paying rent or mortgage with a credit card can help maximize cash back, points, or other perks ¹⁷.
2. Credit building: Since credit card accounts are reported to credit bureaus, on-time payments can help build credit history ¹⁷.
3. Convenience: Credit cards provide an easy way to pay rent, especially with automatic payments ¹⁷.
4. Flexibility: Credit cards can provide a buffer if payday doesn’t align with rent due dates ¹⁷.

Cons:

1. Fees: Many landlords and payment services charge processing fees, which can outweigh rewards ¹⁷.
2. High interest: Credit cards typically have much higher interest rates than mortgages, making carrying a balance costly ¹⁸.
3. Credit utilization: Large housing payments can significantly increase credit utilization, potentially harming credit scores ¹⁷.
4. Debt cycle risk: Relying on credit for basic needs like housing can lead to a difficult-to-break debt cycle ¹⁷.

Before deciding to pay housing costs with a credit card, carefully weigh these pros and cons against your financial situation and goals.

No Annual Fee Cards for Bill Payments

Top No-Fee Cash Back Card

The Wells Fargo Active Cash® Card stands out as a top choice for those seeking a no-annual-fee card with straightforward rewards. This card offers an impressive 2% cash back on all eligible purchases, making it an excellent option for paying bills and everyday expenses ⁷. New cardholders can earn a $200 cash rewards bonus after spending $500 in purchases within the first 3 months ¹⁹.

Another strong contender is the Citi Double Cash® Card, which earns 2% cash back on all purchases – 1% when you make a purchase and an additional 1% when you pay your credit card bill ²⁰. This card’s simple rewards structure makes it ideal for those who want to maximize their cash back without the hassle of tracking bonus categories.

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Best No-Fee Travel Card for Bills

For those who prefer travel rewards, the Chase Freedom Unlimited® offers a compelling option. New cardholders can earn an additional 1.5% cash back on everything they buy (on up to $20,000 spent in the first year) – worth up to $300 cashback ¹⁹. This card also provides 1.5% cash back on all purchases, with higher rates in specific categories.

No Annual Fee Card with Bonus Categories

The Citi Custom Cash® Card offers a unique approach to bonus categories. Cardholders automatically earn 5% cash back on their top eligible spending category, up to the first $500 spent (then 1%), each billing cycle ²⁰. This feature allows users to maximize their rewards based on their changing spending habits without manually activating categories.

For those who prefer to choose their bonus categories, the Bank of America® Customized Cash Rewards credit card allows cardholders to select a 3% cash back category each month, providing flexibility to align rewards with bill payment needs ¹.

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Premium Cards with Bill Payment Perks

Luxury Card with Streaming Credits

The Platinum Card® from American Express stands out as a premium option for those who value entertainment perks. It offers up to $240 in digital entertainment statement credits annually when used for eligible streaming subscriptions ²¹. This credit can be applied to popular services like Hulu, ESPN+, Disney+, and Peacock ²¹. New cardholders can earn 80,000 Membership Rewards® Points after spending $8,000 on eligible purchases in the first 6 months ¹².

Premium Travel Card for Utilities

While not specifically designed for utility payments, the Amex Platinum card offers a range of benefits that can offset its $695 annual fee. Cardholders can enjoy more than $1,500 in value through various credits and merchant offers annually ²¹. These include an up to $200 airline fee credit, up to $200 hotel credit for eligible stays, and a $155 Walmart+ credit ²¹. For travel enthusiasts, the card offers 5X Membership Rewards® Points on flights booked directly with airlines or through American Express Travel, up to $500,000 per calendar year ¹².

High-End Card with Cell Phone Protection

The Platinum Card® from American Express also provides cell phone protection, a feature that sets it apart from many other premium cards. This benefit covers screen damage, which is often excluded by competitors ²². To be eligible, cardholders must pay their monthly wireless bill with the card. The coverage offers reimbursement for repair or replacement costs up to $800 per claim, with a maximum of two approved claims and $1,600 per 12-month period ²². A $50 deductible applies per approved claim ²².

Credit Cards with 0% APR for Bill Payments

Credit cards offering 0% introductory APR periods can be valuable tools for managing bill payments and consolidating debt. These cards typically provide interest-free periods on purchases, balance transfers, or both, lasting a year or more ²³. This feature allows cardholders to pay off major purchases or existing debts without accruing additional interest charges.

Longest 0% APR Period for Purchases

The Wells Fargo Reflect® Card stands out with one of the longest interest-free periods for purchases in the market. Cardholders can enjoy a 0% intro APR for up to 21 months on purchases, giving them nearly two years to pay off large expenses without incurring interest ²⁴. This extended period can be particularly beneficial for those looking to finance significant bills or purchases over time.

Best 0% APR Card with Rewards

For those seeking both a 0% intro APR and rewards, the Chase Freedom Flex℠ offers an attractive combination. It provides a 0% intro APR period on purchases and balance transfers, along with a tiered cash-back structure. Cardholders can earn 5% cash back on rotating quarterly categories (up to $1,500 in purchases), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases ²³. This reward structure allows users to maximize their earnings while benefiting from the interest-free period.

Balance Transfer Card for Existing Bills

The Citi Double Cash® Card is an excellent option for those looking to consolidate existing bills and credit card debt. It offers a lengthy 0% intro APR period on balance transfers, making it ideal for transferring high-interest balances ²³. Additionally, the card provides ongoing value with its cash back rewards: 1% when you make a purchase and another 1% when you pay it off ²³. This dual-earning structure encourages responsible credit use while helping cardholders manage their existing debts.

When considering a 0% APR credit card for bill payments, it’s crucial to have a clear repayment plan in place. Aim to pay off the balance before the introductory period ends to avoid accruing interest charges on remaining balances ²⁵. By strategically using these cards, consumers can effectively manage their bills and potentially save significant amounts on interest payments.

Best Cards for Specific Bill Types

Top Card for Cell Phone Bills

The Ink Business Preferred Credit Card stands out as an excellent choice for cell phone bills. It offers 3 points per dollar spent on internet, cable, and phone services, up to $150,000 in combined purchases annually ²⁶. This translates to a 6.15% return based on TPG valuations. Additionally, the card protects against theft or damage for up to $1,000 per claim, with a limit of three claims in 12 months and a $100 deductible per claim ²⁶.

For those seeking a no-annual-fee option, the Ink Business Cash Credit Card is worth considering. It earns 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year ²⁶.

Best Credit Card for Insurance Payments

When it comes to insurance payments, several major insurers accept credit card payments. Progressive, Geico, and State Farm all allow payment by credit card for auto insurance premiums ¹⁴. However, it’s crucial to check if there are any fees associated with using a credit card, as these could negate the benefits of earning rewards ¹⁴.

For homeowners insurance, the ability to use a credit card depends on the insurer and the status of the mortgage. Those without a mortgage have more flexibility in payment methods, but homeowners with a mortgage and an escrow account may have limited options for credit card payments ¹⁴.

Leading Card for Streaming Services

The Blue Cash Preferred® Card from American Express is a top choice for streaming services, offering an impressive 6% cash back on select U.S. streaming subscriptions ¹¹. This card also provides valuable rewards in other categories, making it a versatile option for everyday spending.

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For those who prefer a no-annual-fee card, the Capital One SavorOne Cash Rewards Credit Card offers unlimited 3% cash back on streaming subscriptions, along with other entertainment categories ¹¹. The Platinum Card® from American Express, while having a higher annual fee, provides up to $240 a year in digital entertainment credits, which can be applied to eligible streaming services ¹¹.

Maximizing Rewards on Recurring Bills

Paying bills with a credit card can be an effective way to earn rewards on expenses that are already part of one’s budget. By strategically using the right credit cards, consumers can maximize their rewards on recurring bills and potentially earn significant cash back or travel points.

Strategies for Categorizing Bills

To make the most of credit card rewards, it’s crucial to understand how different cards categorize bill payments. Some cards offer higher reward rates for specific types of bills. For instance, the Scotia Momentum Visa Infinite Card provides 4% cash back on recurring bills ²⁷. Similarly, the BMO CashBack® World Elite®* Mastercard®* offers 2% cash back on recurring bills, up to $300 spent per month ²⁷.

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For those who prefer flexibility, the Tangerine World Mastercard® allows cardholders to choose up to three categories to earn 2% cash back, which can include recurring bills ²⁷. This customization enables users to align their rewards with their spending patterns.

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Rotating vs. Fixed Category Cards

When maximizing rewards on bills, consumers should consider both rotating and fixed category cards. Rotating category cards, like the Chase Freedom Flex℠, offer 5% cash back in quarterly bonus categories, which may include bill payments at times ⁴. However, these cards often require activation each quarter and have spending caps.

Fixed category cards, on the other hand, provide consistent reward rates throughout the year. The SimplyCash® Preferred Card from American Express, for example, earns 2% cash back on all purchases, including recurring bill payments ²⁷. This consistency can be advantageous for those who prefer a more hands-off approach to earning rewards.

Stacking Rewards Programs

To further maximize rewards, consumers can consider stacking multiple rewards programs. This strategy involves using different cards for various types of bills to earn the highest possible rewards on each payment. For example, one might use a card that offers high cash back on utilities for those bills, while using another card with better rewards for internet and phone services ²⁶.

It’s important to note that while maximizing rewards can be beneficial, it requires careful management of multiple cards and spending habits. Consumers should always prioritize paying off their balances in full each month to avoid interest charges that could negate the value of earned rewards ²⁸.

Avoiding Fees When Paying Bills with Credit Cards

Understanding Convenience Fees

Convenience fees are charges imposed by merchants when customers use electronic payment methods, particularly credit cards, instead of standard payment options like cash or checks. These fees typically range from 2% to 3% of the transaction amount and must be disclosed to consumers in advance ²⁹. Businesses often implement convenience fees to offset the costs associated with credit card processing, as they incur merchant fees for each credit card transaction ²⁹.

It’s important to note that convenience fees differ from surcharges. While surcharges are applied solely for using a credit card, convenience fees are associated with specific payment channels or alternative payment methods, such as paying taxes or tuition online or by phone ²⁹.

Cards That Offset Processing Charges

Some credit card issuers offer programs to help businesses manage processing costs. For example, Boulevard Offset allows merchants to share credit card processing expenses with clients by charging a 3% fee on credit card payments as part of the order total ³⁰. This program effectively reduces the merchant’s credit card processing costs to around 1% ³⁰.

When implemented, the surcharge appears as a “Credit Fee” at checkout, both online and on customers’ receipts ³⁰. It’s important to note that due to credit card brand compliance requirements, surcharges can only be added to credit transactions, not debit or other payment methods ³⁰.

Alternative Payment Methods to Consider

To avoid convenience fees, consumers can explore alternative payment options:

1. ACH transfers: Automated Clearing House (ACH) payments allow direct transfers from a customer’s bank account, often without additional fees ³¹.
2. Cash payments: Some businesses offer discounts for cash payments, which can help customers save money while reducing processing costs for merchants ²⁹.
3. Debit cards: Many merchants prefer debit card transactions due to lower processing fees, potentially resulting in fewer surcharges for customers ³².
4. Mobile wallets: These digital payment methods often provide a convenient and secure way to pay without incurring additional fees ³².

By understanding convenience fees and exploring alternative payment methods, consumers can make informed decisions to minimize additional charges when paying bills with credit cards.

Conclusion

Choosing the right credit card for bill payments has a significant impact on maximizing rewards and saving money. This article has explored various options to suit different needs, from cash-back cards to travel rewards and business credit cards. By carefully selecting a card that aligns with spending habits and financial goals, consumers can turn everyday expenses into valuable benefits. The key is to understand the unique features of each card and how they apply to specific types of bills.

To make the most of credit card rewards for bill payments, it’s crucial to consider factors such as annual fees, interest rates, and potential processing charges. By weighing these elements against the rewards offered, individuals can determine the best card for their situation. Remember that responsible credit card use is essential to avoid debt and maximize the benefits of these financial tools. With the right strategy, paying bills with a credit card can be a smart way to boost savings and earn rewards on necessary expenses.

FAQs

References

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