Best Credit Card for Utility Bills (2023)

Best Credit Card for Utility Bills (2023)
Oof, we got a better option since this post. Our recommendation for the best credit card for utility bills is now the US Bank Cash Plus Card with 5% cash back. The Venmo Credit Card is still good if you want something that is more inclusive of other bills.

Updated 5/17/23.

Utility bills are something we all have to deal with in life. It's a perpetual expense for as long as we use electricity, water, waste, and other common utilities. Because of this, it might make sense to look into the best ways to get cash back for these expenses.

Most credit card users will likely default to their universal cash back card (2% cash back) for these expenses. But there is actually a new card on the block that can get even more than 2% cash back. The Venmo Credit Card.

The Venmo Credit Card is a top spend card that has two tiers: highest spent category and second highest spent category. Whatever ends up being your highest spent category earns the highest cash back rate. The next highest spent category earns the next best cash rate and then remaining categories or expenses get 1% cash back. Here is a breakdown:

  • 3% cash back - Highest Spent Category
  • 2% cash back - Second Highest Spent Category
  • 1% cash back - Everything Else

What makes the Venmo Credit Card the best card for utility bills is because of its supported categories:

While most are standard categories, Bills and Utilities is not. In fact, this card might be the only credit card that actually lists Bills and Utilities as a category. This category includes internet bills, electricity bills, water bills, sewage bills, phone bills, waste bills and in some cases subscription bills (such as Crunchyroll, Netflix, etc).

Even if you are already using a 2% cash back card for your credit card friendly utility bills, an additional 1% will help compound your savings over time. These bills will likely never go away (sadface), so it doesn't hurt to start stacking more cash back on it!

Venmo Credit Card

  • 3% cash back on top spend category
  • 2% cash back on second top spend category
  • 1% cash back on everything else
  • Visa Signature perks
  • Annual limit of $10,000 (1% earned after limit hit)

Interested in more cards? You can check out our post about the best no annual fee credit cards for 2023.