Best Credit Cards for Ongoing Expenses and Bills

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Triston Martin

Dec 31, 2022

The time spent comparison shopping is well worth it when you're trying to save as much money as possible on a costly buy. Small, regular expenses, such as those for groceries, utilities, transportation, and regular memberships and subscriptions, can add up to a significant sum over time. Using a credit card that offers points for these purchases can help you save money with minimal effort.

Bill and utility payments: best credit cards

US Bank/American Express Blue Cash Preferred® Card The Cash+® Visa Signature® Card from Bank of America® is a credit card with a flexible rewards program and high cash back.

Costco Anywhere You Use Your Citi Custom CashSM Card Credit Cards with Visa® Rewards Programs from Citi, Wells Fargo, Active Cash, and Bilt

The American Express® Blue Cash Preferred® Card

To name a few, we recommend grocery bills, gas money, and pay-per-month media subscriptions.

Express Scripts Information on the Blue Cash Preferred Credit Card from the experts at NerdWallet.

Rewards: 6% cash back on groceries at U.S. supermarkets for the first $6,000 spent annually (after 1%). Receive a discount of 6% on some U.S.-based streaming plans. Taxis, rideshares, parking, tolls, trains, buses, and more all qualify for a 3% rebate. A rebate of 3% at U.S. service stations. Payback of 1% on all other purchases.

Cash+ Visa Signature® Card from U.S. Bank

A top selection for Transportation, utilities, and more

The Cash+® Visa Signature® Credit Card from U.S. Bank

Ranking on NerdWallet

Information about credit card Rewards: You'll earn 5% cash back on the first $2,000 you spend across any two of a list of 12 categories per quarter. (For a complete rundown, see below.) Previous groups have included media consumption options like television, the internet, and streaming services; mobile phone companies; residential utility suppliers; transportation services; and more.

Receive 5% cash back on all prepaid travel purchases via the U.S. Bank Rewards Center.

A 2% rebate on purchases in one "everyday" category like grocery stores, restaurants, gas stations, or electric vehicle charging stations.

In any case, you'll earn 1% back on your purchases.

The Bank of America® Cash Rewards Credit Card, Individually Created

We recommend: Any Expenses You Want

The Cash Rewards Credit Card from Bank of America®, Individually Crafted for You

Ranking on NerdWallet

Specifics about the Card and the Benefits You Can Expect: First, $2,500 spent each quarter in your chosen bonus category and at grocery stores and wholesale clubs earns you 2% cash back (after that, you'll earn 1% cash back). You'll get one percent back on everything else you buy.

The Citigroup Custom Cash SM Card

Our top pick is unattended financial growth.

NerdWallet's star rating for the Citi Custom CashSM Card. Card particulars.

Rewards: Spend up to $500 per billing cycle in your greatest spending category and receive a 5% rebate (from a list of eligible options). You'll get one percent back on everything else you buy. Anywhere You Go, You'll Find a Costco Citi Visa® Credit Card.

Best for: Buyers in bulk

Citibank Costco-Anywhere NerdWallet's Visa Credit Card Recommendation

Information about a credit card

Rewards: 4% rebate on gas and EV charging for the first $7,000 spent annually (after 1%). A 3% rebate is available on dining out and certain travel expenses. Costco and Costco.com customers can get a 2% rebate on all other purchases. All other purchases earn a 1% cashback.

The Wells Fargo® Active Cash® Card

Our top selection if you value: Regular rebates

NerdWallet's star rating and detailed information about the Wells Fargo Active Cash Card.

Rewards: Get a 2% rebate on everything you buy.

That's why we think it's great:

With the Wells Fargo Active Cash® Card, you may earn 2% cash back on all purchases. This makes it a good option for everyday costs such as doctor's visits, pet care, car repairs, and electricity. To ensure that you always earn at least 2% back, we also recommend pairing the Wells Fargo Active Cash® Card with a cash-back card giving 3% back or more in select categories, such as grocery and gas.

Bill Reward Mastercard®

For example, we recommend renting.

Specifics about the Card and the Benefits You Can Expect: You can get three points for every dollar spent on food. When you use your points toward a trip, you'll earn double the normal amount. Every dollar you spend, even rent, earns you one point.


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