Bankrate staff insights
“I pay all the bills and utilities I can with my Capital One Venture X Rewards Credit Card — from cellphone and internet to electricity bills. This way, these inevitable expenses allow me to earn travel rewards at 2 miles per dollar. Not a bad deal, considering this spending category rarely earns any bonuses. Definitely check if there are any processing fees associated with using credit cards when you’re setting up the payment. If so, these fees might negate any rewards you earn from such transactions.”
Ana Staples, Bankrate principal credit cards writer
“I picked up the U.S. Bank Cash+ Visa Signature in November 2024 because it had a decent intro APR offer, which I used for my holiday spending. I was planning to get the card anyway because I wanted to offset some of my utilities and streaming subscriptions with its high cash back rate. While 5 percent back (up to $2,000 per quarter, then 1 percent) doesn’t really trim my bills down like I really want, I know I’m doing all I can to save more money on home essentials.”
Brendan Dyer, Bankrate credit cards writer
“If I’ve got to pay bills (which I do), then I at least want to get some cash back on these annoying monthly payments. I’ve used a number of different cash back cards for my bills and utilities over the years, but lately I’ve been using my Fidelity® Rewards Visa Signature® Credit Card* pretty consistently. It’s not the most exciting cash back card, but its 2 percent flat cash back rate is solid and the rewards go straight to my Fidelity investment account. Bills don’t bring me joy, but investing for my future financial independence does — so my Fidelity card is perfect for these payments.”
John Puterbaugh, Bankrate editorial senior director