/>
X
Finance
Why you can trust ZDNET : ZDNET independently tests and researches products to bring you our best recommendations and advice. When you buy through our links, we may earn a commission. Our process

'ZDNET Recommends': What exactly does it mean?

ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. And we pore over customer reviews to find out what matters to real people who already own and use the products and services we’re assessing.

When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. This helps support our work, but does not affect what we cover or how, and it does not affect the price you pay. Neither ZDNET nor the author are compensated for these independent reviews. Indeed, we follow strict guidelines that ensure our editorial content is never influenced by advertisers.

ZDNET's editorial team writes on behalf of you, our reader. Our goal is to deliver the most accurate information and the most knowledgeable advice possible in order to help you make smarter buying decisions on tech gear and a wide array of products and services. Our editors thoroughly review and fact-check every article to ensure that our content meets the highest standards. If we have made an error or published misleading information, we will correct or clarify the article. If you see inaccuracies in our content, please report the mistake via this form.

Close

The 5 best credit cards to pay your bills: Make it a rewarding experience

Which is the best credit card to pay your bill? Citi Double Cash Card is ZDNet's top choice because it enables you to get the most rewards and save money at the same time.
Written by Lena Borrelli, Contributing Writer
Reviewed by Marc Wojno
Citi® Double Cash Card | Best credit card for paying bills overall
Citi® Double Cash Card
Citi® Double Cash Card
Best credit card for paying bills overall
View now View now
Blue Cash Preferred® Card from American Express | Best credit card for groceries
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
Best credit card for groceries
View now View now
Ink Business Preferred® Credit Card | Best credit card for business expenses
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Best credit card for business expenses
View now View now
U.S. Bank Cash+® Visa Signature® Card | Best credit card for utilities
U.S. Bank Cash+® Visa Signature® Card
U.S. Bank Cash+® Visa Signature® Card
Best credit card for utilities
View now View now

For many Americans, paying bills, like taxes, is a financial fact of life. It may not be a fun task, but it can be a rewarding one. That's where your credit card comes in. Credit cards can be an excellent way to receive rewards while paying off those seemingly endless bills. 

Whether you're paying your utilities or groceries, ZDNet has selected these five credit cards as the best credit cards that can help make paying your bills a rewarding experience. 

card highlights
intro bonusEarn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
APR19.24% - 29.24% (Variable)
recommended creditExcellent, Good, Fair
reward rates
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
  • Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
annual fee$0
intro purchase APRN/A
Pros & Cons
Pros
  • Excellent intro offer
  • Flat-rate cashback
  • Generous rewards
Cons
  • No bonus categories
More Details

The Citi Double Cash Card is our best credit card for paying bills because it enables you to maximize your rewards while saving money. It starts off with an excellent introductory offer for balance transfers, offering a 0% APR for your first 18 months, then 18.99% - 28.99%. The balance transfer fee is lower, too, with 3% of each transfer offered for the first four months before switching to 5% of each transfer, both with a $5 minimum.

Citi offers two types of cash back on your purchases, awarding you with unlimited 1% cashback when you make your purchase and another 1% when you pay it off. Rewards are distributed in the form of ThankYou points. There are no annual fees, no caps, and no category restrictions to give you far greater freedom in your purchase decisions.

Citi® Double Cash Card

Citi® Double Cash Card

card highlights
intro bonusEarn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
APR19.24% - 29.99% Variable
recommended creditExcellent/Good
reward rates
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% Cash Back on select U.S. streaming subscriptions
  • 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% Cash Back at U.S. gas stations
  • 1% Cash Back on other purchases
annual fee$0 intro annual fee for the first year, then $95.
intro purchase APR0% on purchases for 12 months
Pros & Cons
Pros
  • Intro APR offer
  • High grocery rewards rate
  • Statement credits
Cons
  • Annual fee
  • Spending caps apply
More Details

The Blue Cash Preferred® Card from American Express gives you very high, very impressive rewards when you use your card to shop for groceries. American Express will give you 6% cashback on your purchases at U.S. supermarkets, up to $6,000, then 1%. You also receive 6% cashback on your U.S. streaming subscriptions, 3% at U.S gas stations, 3% on transit, including rideshare, and 1% on all other purchases. If you spend $3,000 within your first six months, you will also receive $250 back in statement credits. 

When it comes time to pay, you also have the opportunity to opt for the Buy Now, Pay Later introductory offer, which uses Plan It by American Express to split payments into monthly installments. When you choose this option, there is a lower APR on your purchases for the first 12 months from the date of account opening. Regardless, this card comes with a 0% introductory APR on your purchases within the first year, then a variable rate of 18.99% - 29.99%. However, in typical Amex fashion, an annual fee costs $95 per year ($0 intro annual fee for the first year). 

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

card highlights
intro bonusEarn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
APR21.24% - 26.24% Variable
recommended creditGood, Excellent
reward rates
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
annual fee$95
intro purchase APRN/A
Pros & Cons
Pros
  • Intro offer
  • Welcome bonus
  • Bonus categories
Cons
  • High starting APR
  • No intro APR
More Details

The Ink Business Preferred Credit Card is a card for business owners, allowing you to earn rewards all while paying the bills. To welcome you as a new cardholder, you start off with 100,000 bonus points after spending $15,000 in purchases within the first three months of account opening. 

That is worth $1,000 in cash back. If you choose to redeem your rewards through Chase Ultimate Rewards®, that can be up to $1,250 in travel. From there, the regular rewards schedule begins with 3x the points on shipping and other rotating business categories, such as advertising, phone and Internet, and even travel. Other purchases earn you one point per dollar with no expiration as long as the account remains open.  

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

card highlights
intro bonus$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
APR19.49% - 29.74% (Variable)
recommended creditExcellent/Good Credit
reward rates
  • 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose.
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
  • 2% cash back on your choice on one everyday category, like Gas Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible net purchases.
annual fee$0
intro purchase APR 0% intro APR Intro APR on purchases for the first 15 billing cycles.
Pros & Cons
Pros
  • Welcome bonus
  • No annual fee
  • Generous rewards
Cons
  • Reward limits apply
  • Balance transfer and foreign transaction fees
More Details

The U.S. Bank Cash+ Visa Signature Card is our pick for the best utilities credit card because you get to pick where you get your savings. To start, U.S. Bank rewards you with a $200 bonus after spending $1,000 in eligible purchases within the first 120 days when you apply online. Your first $2,000 earns you up to 5% cash back in each category on your choice of two categories, whether it is your utilities, shopping, and entertainment. 

You also receive 5% cash back when you prepay your air, hotel, or car reservations in the Rewards Travel Center. From there, there is 2% cashback on an everyday category, such as gas, groceries, or dining. All other purchases earn 1% cashback. There is no annual fee, plus you get a 0% intro APR on both your purchases and balance transfers, lasting the first 15 billing cycles, then a variable APR of 19.49% to 29.49%. 

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

What is the best credit card to pay bills?

The best credit card to pay bills is the Citi Double Cash Card, offering an extended APR on your balance transfers with a lower balance transfer fee to start. There is also unlimited cashback so you never have to worry about meeting any minimums or exceeding any rewards caps. With few fees, this is stress-free credit for all of your bills, both big and small.

Credit card

APR

Recommended credit

Annual fee?

Citi Double Cash Card

18.99% - 28.99%, variable

Fair, Good, Excellent

$0

Blue Cash Preferred® Card from American Express

0% for first 12 months; 18.99% - 29.99% variable thereafter

Good, Excellent

$0 intro annual fee for the first year, then $95

Chase Freedom Flex

0% for first 15 months; 19.99% - 28.74% variable thereafter

Good, Excellent

$0

Ink Business Preferred Credit Card

20.99% - 25.99% variable

Good, Excellent

$95

U.S. Bank Cash+ Visa Signature Card

0% for first 15 months; 19.49% - 29.49% variable thereafter

Good, Excellent

$0

Which is the right credit card for bills for you?

The best credit card for bills may be one card for one person and a different card for another -- it all depends on your personal needs. These are our expert recommendations to help you find the right card for your family. 

Choose this credit card...

If you want...

Citi Double Cash Card

A well-rounded rewards card for paying bills

Blue Cash Preferred® Card from American Express

Savings on your groceries and streaming services

Chase Freedom Flex

Cell phone protection with your cell phone payments

Ink Business Preferred Credit Card

To pay bills for your business  

U.S. Bank Cash+ Visa Signature Card

To pay your utilities and other bills

How did we choose these cards?

In searching for the best credit cards, we consider the following aspects of each credit card:

  • APR: The annual percentage rate, or APR, is the amount of interest you will pay based on your purchases. The lower the APR, the better.  

  • Rewards: Whether it is cash back or statement credits, there are many rewards you can earn when you make specific purchases within specific categories. 

  • Fees: It is important to consider what kind of fees you will pay for each credit card, whether it is  annual, foreign transaction, or balance transfer fees.

We also give consideration to the credit score recommended for each card, focusing on those that are attainable for a wide group of consumers.

Should you use a credit card to pay your bills?

Your credit card can be an excellent way to pay your bills because you can earn while you pay. It is often simple and efficient to use a credit card in conjunction with your merchant or provider's phone or online bill pay. Just be sure to make timely payments, or you may find your credit card costing you instead of rewarding you.

Do you get points for paying bills with a credit card?

When you use your credit card to pay your bills, you may be eligible for special incentives. Your purchases often count toward extra rewards and cash back, such as the best credit cards for bills that are seen here. 

Are there alternative credit cards worth considering?

While creating our list of the best credit cards to pay bills, we came across many different options that may also work for your expenses. These are some of the other cards we considered. 

To round out your search, check out our expert picks for the best rewards credit cards and the best credit cards for online shopping!   

Editorial standards