Best Credit Cards for Bills, Utilities & Recurring Expenses of August 2025
Updated on August 8, 2025
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Best Credit Cards for Bills, Utilities & Recurring Expenses
When you track your household spending, you see just how much of your money goes to the recurring costs of daily life — trips to the grocery store, utility bills, commuting, monthly memberships and subscriptions, and so on. Using a credit card that gives you extra cash back for those expenses is a relatively low-effort way to reduce the real cost of living.
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When you track your household spending, you see just how much of your money goes to the recurring costs of daily life — trips to the grocery store, utility bills, commuting, monthly memberships and subscriptions, and so on. Using a credit card that gives you extra cash back for those expenses is a relatively low-effort way to reduce the real cost of living.
When you track your household spending, you see just how much of your money goes to the recurring costs of daily life — trips to the grocery store, utility bills, commuting, monthly memberships and subscriptions, and so on. Using a credit card that gives you extra cash back for those expenses is a relatively low-effort way to reduce the real cost of living.
When you track your household spending, you see just how much of your money goes to the recurring costs of daily life — trips to the grocery store, utility bills, commuting, monthly memberships and subscriptions, and so on. Using a credit card that gives you extra cash back for those expenses is a relatively low-effort way to reduce the real cost of living.
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NerdWallet's Best Credit Cards for Bills, Utilities & Recurring Expenses of August 2025
Wells Fargo Active Cash® Card: Best for Consistent cash back
Blue Cash Preferred® Card from American Express: Best for Household expenses
Bank of America® Customized Cash Rewards credit card: Best for Your choice of expenses
Prime Visa: Best for Regular purchases and deliveries
Costco Anywhere Visa® Card by Citi: Best for Wholesale shoppers
Bilt World Elite Mastercard® Credit Card: Best for Paying rent
MyLowe’s Rewards Credit Card: Best for Home maintenance
| Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
 Bilt World Elite Mastercard® Credit CardApply Nowon Bilt's website on Bilt's website | Best for Paying rent | None | 1X-3X | N/A | Apply Nowon Bilt's website on Bilt's website |
 Bank of America® Customized Cash Rewards credit cardApply Nowon Bank of America's website on Bank of America's website | Best for Your choice of expenses | $0 | 1%-6% | $200 | Apply Nowon Bank of America's website on Bank of America's website |
 Costco Anywhere Visa® Card by CitiApply Nowon Citibank's application on Citibank's application | Best for Wholesale shoppers | $0 | 1%-5% | N/A | Apply Nowon Citibank's application on Citibank's application |
 Prime VisaApply Nowon Amazon.com's website on Amazon.com's website | Best for Regular purchases and deliveries | $0 | 1%-5% | $150 | Apply Nowon Amazon.com's website on Amazon.com's website |
 Blue Cash Preferred® Card from American ExpressApply Nowon American Express' website on American Express' website | Best for Household expenses | $0 intro annual fee for the first year, then $95. | 1%-6% | $250 | Apply Nowon American Express' website on American Express' website |
 Wells Fargo Active Cash® CardApply Nowon Wells Fargo's website on Wells Fargo's website | Best for Consistent cash back | $0 | 2% | $200 | Apply Nowon Wells Fargo's website on Wells Fargo's website |
 MyLowe’s Rewards Credit Card | Best for Home maintenance | $0 | N/A | N/A |
Find the right credit card for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Our pick for: Paying rent
Rewards breakdown
Card details
- $0 Annual Fee
- Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
- Earns 3x points on dining, 2x on travel, and 1x on other purchases
- Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)
- Use the card 5 times each statement period to earn points
- Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
- Point redemptions include airlines, hotels, future rent payments, credit card statement credits, toward a down payment on a home, etc.
- Other features and benefits include: Auto Rental Collision Damage Waiver, Purchase Security, Trip Cancellation and Interruption Protection, Cellular Telephone Protection, and Trip Delay Reimbursement
- Select Apply Now to learn more about the product features, terms, and conditions
- View Rates & Fees
NerdWallet's take
When is 1X an eye-popping rewards rate? When you're able to earn it on rent without paying a transaction fee. The Bilt World Elite Mastercard® Credit Card allows you to put what for many people is their single biggest monthly expense on a credit card and still come out ahead on rewards.
Annual fee: None.
Rewards: Earn 1 Bilt Point per $1 spent on rent payments (up to 100,000 points annually) while avoiding the transaction fees that landlords often tack onto credit card payments — if they take cards at all.
You’ll also earn 5X on Lyft (when you link your accounts and pay with the card), 3X on dining and 2X on travel. All other purchases earn 1X.
Non-rent purchases earn extra rewards on "Rent Day," the first of every month.
Cell phone protection: Receive coverage when your cell phone is damaged or stolen if you pay the monthly cell phone bill with the card. Terms apply.
You have to commit to using the card at least five times per billing cycle, or else you'll earn no rewards on most purchases beyond a flat 250 points for your rent payment.
There’s no welcome offer.
There’s no introductory APR offer.
Our pick for: Your choice of expenses
Rewards breakdown
Card details
- New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now
NerdWallet's take
The Bank of America® Customized Cash Rewards credit card lets you choose (from a list) which category earns the card’s highest rate, and among the options are multiple recurring household expenses.
A $0 annual fee.
Rewards: 3% back in a category of your choice and 2% back on grocery stores and wholesale clubs, on the first $2,500 of combined spending in these categories per quarter. Other spending earns 1%.
The 3% option allows you to choose among gas/EV charging; online shopping (including cable, streaming, internet and phone plans); dining; travel; drugstores; or home improvement/furnishings.
A welcome offer: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24%-28.24% will apply.
If you qualify for the Bank of America® Preferred Rewards program, you can earn 25% to 75% more in rewards. Terms apply.
You'll need to be OK with tracking bonus categories and how much you're spending in them.
The $2,500 quarterly spending cap applies to the 3% and 2% categories combined; big spenders may hit that cap pretty early.
It’s possible to find a longer introductory APR window on cards with no annual cost.
Certain redemptions, such as depositing cash into a bank account or an eligible account with Merrill, are reserved for existing Bank of America® customers.
Our pick for: Wholesale shoppers
Card details
- Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
- Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
- 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
- View Rates & Fees
NerdWallet's take
If you dread making multiple stops to finish your to-do list, the Costco Anywhere Visa® Card by Citi could be your wallet's MVP. Fill up your tank, pick up a year's worth of ketchup and purchase a new washer-dryer all in one trip. The gas rewards are among the highest you'll find, and families who dine out often will be handsomely rewarded.
A $0 annual fee.
Rewards: 5% cash back on gas purchases at Costco and 4% on other eligible gas and EV charging purchases for the first $7,000 per year; 3% on restaurants and eligible travel purchases; 2% on all other purchases from Costco and Costco.com; and 1% on other purchases.
There’s no welcome offer.
There’s no introductory APR offer.
The card itself doesn't have an annual fee, but you need to be a Costco member, which costs at least $65 a year.
Clunky redemption process: Rewards are issued once a year in the form of a certificate included with your February billing statement.
Our pick for: Regular purchases and deliveries
Rewards breakdown
Card details
- Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
- Earn unlimited 1% back on all other purchases
- No annual credit card fee
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
- Member FDIC
- View Rates & Fees
NerdWallet's take
If the Amazon delivery driver has worn a path to your door with regular shipments of household staples, you ought to consider putting those purchases on the Prime Visa and earning back some value.
A $0 annual fee.
Rewards: 5% back at Amazon.com and Whole Foods Market; 5% on purchases through Chase Travel; 2% at restaurants, at gas stations, and on local transit and commuting (including rideshare); and 1% on other purchases.
Elevated reward rates don’t have spending caps.
A welcome offer: Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members.
There’s no introductory APR offer.
The card itself doesn't have an annual fee, but you must have an Amazon Prime membership, which costs $139 a year.
Our pick for: Household expenses
Rewards breakdown
Card details
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- View Rates & Fees
NerdWallet's take
The Blue Cash Preferred® Card from American Express is a strong choice for families, offering rewards of up to 6% cash back across a range of categories that include major line items in a typical household budget. Terms apply.
Rewards: 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 6% back on select U.S. streaming subscriptions; 3% back at U.S. gas stations; 3% back on transit, including taxis, rideshare services, parking, tolls, trains, buses and more; and 1% elsewhere.
A welcome offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.
0% intro APR for 12 months on purchases and balance transfers, and then the ongoing APR of 20.24%-29.24% Variable APR.
Terms apply.
$0 intro annual fee for the first year, then $95.
Tracking is required to know when you reach the card’s spending cap on spending at U.S. supermarkets.
It’s possible to find a longer introductory APR window on cards with no annual cost.
Terms apply.
Our pick for: Consistent cash back
Rewards breakdown
Card details
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- View Rates & Fees
NerdWallet's take
The Wells Fargo Active Cash® Card is among the simplest rewards credit cards to manage. You don’t have to juggle bonus categories or track spending caps because all eligible purchases — including bills, utilities and recurring expenses — earn a solid rewards rate.
A $0 annual fee.
Rewards: 2% cash back on all eligible purchases.
A welcome offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
0% intro APR on Purchases for 12 months and 0% intro APR on Balance Transfers 12 months from account opening on qualifying balance transfers, and then the ongoing APR of 19.24%, 24.24%, or 29.24% Variable APR.
Cell phone protection: Receive coverage when your cell phone is damaged or stolen if you pay the monthly cell phone bill with the card. Terms apply.
It’s possible to find higher reward rates in major spending categories if you’re willing to track your spending.
It’s possible to find a longer introductory APR window on cards with no annual cost.
Certain redemptions, such as getting rewards as cash from an ATM or depositing them into a bank account, are reserved for existing Wells Fargo customers.
Our pick for: Home maintenance
Card details
- Get 20% off your purchase today when you open and use a new account. Up to $100 discount. Exclusions and more restrictions apply.
- Then, enjoy everyday savings of 5% off your eligible purchase or order when charged to your MyLowe’s Rewards Credit Card.
- Cardholders unlock free Silver Key Status with MyLowe's Rewards Loyalty program.
- No Interest if Paid in Full within 6 Months. Offer applies to purchase or order of $299 or more on your MyLowe’s Rewards Credit Card.
- For MyLowe’s Rewards Credit Card purchases of $2,000 or more, select 84 Fixed Monthly Payments at 9.99% APR.
NerdWallet's take
The MyLowe’s Rewards Credit Card gives you an automatic 5% discount on almost everything you buy with the store, making it a solid choice if you’re a loyal Lowe’s customer, or if you don’t mind shifting your home-improvement shopping to the brand.
A $0 annual fee.
There’s sometimes an introductory offer. See the card’s terms.
No rewards to track, just an automatic 5% discount on most store purchases.
Receive "Silver Key" status in the MyLowe's Rewards program, which includes free standard shipping on all orders in addition to rewards points, which can be redeemed for purchases at the store (see our review for details).
Special financing options. Terms apply.
The card can only be used at Lowe’s.
There’s no 0% introductory APR offer. (The special financing options are deferred interest promotions, which — unlike true 0% intro APR offers — can hit you with back interest if you don't pay in full by the end of the promo period.)
If you choose a financing option on a purchase, you don't get the 5% discount.
Store credit cards tend to have high ongoing APRs, and this card is no exception.
FULL LIST OF EDITORIAL PICKS: BEST CREDIT CARDS FOR BILLS, UTILITIES & RECURRING EXPENSES
Verify details on issuer's website before applying
Wells Fargo Active Cash® Card
Our pick for: Consistent cash back
Among flat-rate cash-back cards, you'll be hard-pressed to beat the Wells Fargo Active Cash® Card. It earns an unlimited 2% back on all purchases, which is excellent. But in addition, the card offers a rich sign-up bonus and a decent intro APR period on both purchases and balance transfers. That's an impressive, hard-to-find combination of features on a card with a $0 annual fee. Read our review.
Blue Cash Preferred® Card from American Express
Our pick for: Household expenses
If your household spends a lot on groceries, gas, transit and streaming, the Blue Cash Preferred® Card from American Express is for you. The rewards it pays in those categories — particularly at U.S. supermarkets and on select U.S. streaming subscriptions — are among the richest of any card. There's a nice welcome offer for new cardholders and an introductory APR period, too. The generous benefits come at a cost, though: Unlike most cash-back cards, this one charges an annual fee. Terms apply. Read our review.
U.S. Bank Cash+® Visa Signature® Card
Our pick for: Utilities, commuting and more
If you don't mind putting some work into your rewards, check out the U.S. Bank Cash+® Visa Signature® Card. It might be the most customizable cash back card available. You pick which categories earn the most cash back — you get two 5% categories and a 2% category — and you can change those options every quarter. There's a good bonus offer for new cardholders, too. Read our review.
Full list of 5% categories on the U.S. Bank Cash+
Fast food.
Home utilities.
TV, internet and streaming.
Department stores.
Cell phone providers.
Electronics stores.
Sporting goods stores.
Movie theaters.
Gyms/fitness centers.
Furniture stores.
Ground transportation.
Select clothing stores.
Bank of America® Customized Cash Rewards credit card
Our pick for: Your choice of expenses
The Bank of America® Customized Cash Rewards credit card gives you a little more control over your credit card rewards by letting you choose which category earns the highest cash-back rate, from a list that includes gas stations, restaurants, travel, home improvement and more. You also get bonus rewards at grocery stores and wholesale clubs, plus a great new-cardholder bonus offer. Read our review.
Prime Visa from Amazon
Our pick for: Regular purchases and deliveries
If you drop a lot of money at Amazon and/or Whole Foods Market, this is the card for you, with 5% back on such purchases, plus bonus rewards at restaurants and gas stations, plus local transit and commuting (including rideshare). There's no annual fee, but you have to be a Prime member, and that does have a fee. Read our review.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card
Our pick for: Superstores, big box runs & bills
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card is tailor-made for consumers who spend a lot of money at retailers that don't fit into (or are specifically excluded from) the bonus categories offered by other credit cards. The card also offers a higher-than-usual rate on spending outside its bonus categories. The downside: There's an annual fee. Read our review.
Full list of 6% merchants
Ace Hardware.
Apple.
Amazon.com.
Anthropologie.
Bed, Bath, & Beyond.
Best Buy.
Chewy.com.
Crate & Barrel.
Disney.
Home Depot.
Ikea.
Kohl's.
Lowe's.
Lululemon.
Macy's.
Menards.
Nordstrom.
Pottery Barn.
QVC.
Restoration Hardware.
Target.
Walmart.
Wayfair.com.
Williams Sonoma.
Costco Anywhere Visa® Card by Citi
Our pick for: Wholesale shoppers
The Costco Anywhere Visa® Card by Citi turns everyday spending into rewards you can redeem at Costco (although you can only redeem them once a year). You earn bonus rewards on gas, at restaurants, on travel and at Costco itself. There's no annual fee for the card, but you have to be a Costco member (which does require a fee). Read our review.
Bilt World Elite Mastercard® Credit Card
Our pick for: Rent payments
The Bilt World Elite Mastercard® Credit Card stands out by offering credit card rewards on rent payments without incurring an additional transaction fee. The ability to earn rewards on what for many people is their single biggest monthly expense makes this card worth a look for any renter. You also get bonus points on dining and travel when you make at least five transactions on the card each statement period, and redemption options include point transfers to partner hotel and loyalty programs. (See rates and fees.) Read our review.
MyLowe’s Rewards Credit Card
Our pick for: Home maintenance
Unlike store cards whose rewards have value only if you return to the store and spend more money, the MyLowe’s Rewards Credit Card gives you an immediate 5% discount on almost everything you buy, with a $0 annual fee. That makes it a compelling choice not just for loyal Lowe's customers, but also for those who spend heavily on home improvement elsewhere and could easily shift to Lowe's. Read our review.
• • •
NerdWallet's Robin Saks Frankel contributed to this article.
To view rates and fees of the Blue Cash Preferred® Card from American Express, see this page.
Last updated on August 8, 2025
Methodology
NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.
