Best Credit Cards for Utilities

6 Cards Compared

Cards

Discover it Cash Back Discover Bank
Cash back
5% Until 12/31 Fee: $0

Q4 2026: 5% cash back on utilities when activated. Requires activation; earnings begin from the activation date or October 1, 2026, whichever is later, through December 31, 2026.

Cap: Quarterly maximum of $1,500 in combined purchases across all Q4 2026 categories when activated
Cash+ U.S. Bank
Cash back
5% Fee: $0
Option: Home Utilities

5% cash back on home utilities when selected as one of two quarterly categories

Cap: Combined quarterly limit across all selected 5% categories
Discover it Secured Cash Back Discover Bank
Cash back
5% Until 12/31 Fee: $0

Q4 2026: 5% cash back on utilities when activated. Requires activation; earnings begin from the activation date or October 1, 2026, whichever is later, through December 31, 2026.

Cap: Quarterly maximum of $1,500 in combined purchases across all Q4 2026 categories when activated
Discover it Student Cash Back Discover Bank
Cash back
5% Until 12/31 Fee: $0

Q4 2026: 5% cash back on utilities when activated. Requires activation; earnings begin from the activation date or October 1, 2026, whichever is later, through December 31, 2026.

Cap: Quarterly maximum of $1,500 in combined purchases across all Q4 2026 categories when activated
Homeowners Mesa
Points
3x Fee: $0

Earn 3x Mesa Points on utilities.