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best amex card for utilities

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1

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on Utilities
2x × 1.9¢/pt = 3.1¢ per dollar

Why this card

    $315 in credits offset the $395 fee

    VISA
    3.1¢
    per dollar on utilities
    $395/yr($315 in credits)
    Annual rewards$188.70
    + Credits$315
    \u2212 Annual fee$395
    Net annual value$108.70
    U.S. Bank Cash+® Visa Signature® Card
    2

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

    Usbank

    5% cash back on Utilities

    Why this card

    1. 1.5% cash back on Utilities & Bills ($180/yr on $6,000 spend)

    No annual fee

    VISA
    Core Rate
    3.0¢
    per dollar on utilities
    No annual fee
    Annual rewards$180
    Net annual value$180

    Bonus rate on first $2,000/quarterly, then base rate

    Wells Fargo Autograph Visa Credit Card
    3

    Wells Fargo Autograph Visa Credit Card

    Wells Fargo

    3x Wells Fargo Rewards on Utilities
    3x × 1.5¢/pt = 2.7¢ per dollar

    Why this card

    1. 1.3x on Utilities & Bills — points worth 1.5¢ each ($162/yr on $6,000 spend)

    No annual fee

    VISA
    Core Rate
    2.7¢
    per dollar on utilities
    No annual fee($8 in credits)
    Annual rewards$162
    + Credits$8
    Net annual value$170
    No image
    4

    The Platinum Card from American Express

    Amex

    1x Membership Rewards on Utilities
    1x × 1.8¢/pt = 1.5¢ per dollar

    Why this card

      $1,422 in credits fully offsets the $895 fee

      AMEX
      1.5¢
      per dollar on utilities
      $895/yr($1,422 in credits)
      Annual rewards$91.80
      + Credits$1,422
      \u2212 Annual fee$895
      Net annual value$618.80
      Citi Strata Elite℠ Card
      5

      Citi Strata Elite℠ Card

      Citi

      1.5x ThankYou Points on Utilities
      1.5x × 1.5¢/pt = 1.9¢ per dollar

      Why this card

        $762.50 in credits fully offsets the $595 fee

        MASTERCARD
        1.9¢
        per dollar on utilities
        $595/yr($762.50 in credits)
        Annual rewards$114.75
        + Credits$762.50
        \u2212 Annual fee$595
        Net annual value$282.25
        Capital One VentureOne Rewards Credit Card
        6

        Capital One VentureOne Rewards Credit Card

        Capital One

        1.25x Venture Miles on Utilities
        1.25x × 1.9¢/pt = 2.0¢ per dollar

        Why this card

          No annual fee

          MASTERCARD
          2.0¢
          per dollar on utilities
          No annual fee
          Annual rewards$117.94
          Net annual value$117.94
          Fidelity Rewards Visa Signature Card
          7

          Fidelity Rewards Visa Signature Card

          Elan Financial

          2% cash back on Utilities

          Why this card

            No annual fee

            VISA
            1.7¢
            per dollar on utilities
            No annual fee($8 in credits)
            Annual rewards$102
            + Credits$8
            Net annual value$110
            Choice Privileges Select Mastercard
            8

            Choice Privileges Select Mastercard

            Wells Fargo

            5x Choice Privileges on Utilities
            5x × 0.6¢/pt = 1.8¢ per dollar

            Why this card

            1. 1.5x on Utilities & Bills — points worth 0.6¢ each ($108/yr on $6,000 spend)

            $15 in credits offset the $95 fee

            MASTERCARD
            Core Rate
            1.8¢
            per dollar on utilities
            $95/yr($15 in credits)
            Annual rewards$108
            + Credits$15
            \u2212 Annual fee$95
            Net annual value$28
            Susan G. Komen® Customized Cash Rewards
            9

            Susan G. Komen® Customized Cash Rewards

            Bank Of America

            3x points on Utilities

            Why this card

            1. 1.3x on Utilities & Bills ($108/yr on $6,000 spend)

            No annual fee

            VISA
            Core Rate
            1.8¢
            per dollar on utilities
            No annual fee($8 in credits)
            Annual rewards$108
            + Credits$8
            Net annual value$116

            Bonus rate on first $2,500/quarterly, then base rate

            Chase Sapphire Reserve
            10

            Chase Sapphire Reserve

            Chase

            1x Ultimate Rewards on Utilities
            1x × 1.8¢/pt = 1.5¢ per dollar

            Why this card

              $968 in credits fully offsets the $795 fee

              VISA
              1.5¢
              per dollar on utilities
              $795/yr($968 in credits)
              Annual rewards$91.80
              + Credits$968
              \u2212 Annual fee$795
              Net annual value$264.80
              U.S. Bank Smartly Visa Signature Card
              11

              U.S. Bank Smartly Visa Signature Card

              Usbank

              2% cash back on Utilities

              Why this card

                No annual fee

                VISA
                1.7¢
                per dollar on utilities
                No annual fee($8 in credits)
                Annual rewards$102
                + Credits$8
                Net annual value$110
                Bank of America Unlimited Cash Rewards Credit Card
                12

                Bank of America Unlimited Cash Rewards Credit Card

                Bank Of America

                2% cash back on Utilities

                Why this card

                  No annual fee

                  VISA
                  1.7¢
                  per dollar on utilities
                  No annual fee($8 in credits)
                  Annual rewards$102
                  + Credits$8
                  Net annual value$110
                  No image
                  13

                  TD Double Up Credit Card

                  Td Bank

                  2% cash back on Utilities

                  Why this card

                    No annual fee

                    VISA
                    1.7¢
                    per dollar on utilities
                    No annual fee($8 in credits)
                    Annual rewards$102
                    + Credits$8
                    Net annual value$110
                    No image
                    14

                    Verizon Visa Card

                    Synchrony

                    2% cash back on Utilities

                    Why this card

                      No annual fee

                      VISA
                      1.7¢
                      per dollar on utilities
                      No annual fee($8 in credits)
                      Annual rewards$102
                      + Credits$8
                      Net annual value$110
                      Navy Federal Flagship Rewards® Card
                      15

                      Navy Federal Flagship Rewards® Card

                      Navy Federal

                      2x Navy Federal Nrewards on Utilities
                      2x × 1.0¢/pt = 1.7¢ per dollar

                      Why this card

                        No annual fee

                        VISA
                        1.7¢
                        per dollar on utilities
                        No annual fee($8 in credits)
                        Annual rewards$102
                        + Credits$8
                        Net annual value$110
                        Bilt Obsidian Card
                        16

                        Bilt Obsidian Card

                        Cardless

                        1x Bilt Rewards on Utilities
                        1x × 2.0¢/pt = 1.7¢ per dollar
                        MASTERCARD
                        1.7¢
                        per dollar on utilities
                        $95/yr
                        Annual rewards$102
                        \u2212 Annual fee$95
                        Net annual value$7
                        Synchrony Premier Mastercard
                        17

                        Synchrony Premier Mastercard

                        Synchrony

                        2% cash back on Utilities

                        Why this card

                          No annual fee

                          MASTERCARD
                          1.7¢
                          per dollar on utilities
                          No annual fee
                          Annual rewards$102
                          Net annual value$102
                          No image
                          18

                          One Key+ Card

                          Wells Fargo

                          2% cash back on Utilities

                          Why this card

                            No annual fee

                            MASTERCARD
                            1.7¢
                            per dollar on utilities
                            No annual fee
                            Annual rewards$102
                            Net annual value$102
                            Bank of America Customized Cash Rewards Credit Card
                            19

                            Bank of America Customized Cash Rewards Credit Card

                            Bank Of America

                            3x Bank Of America Points on Utilities
                            3x × 1.0¢/pt = 1.8¢ per dollar

                            Why this card

                            1. 1.3x on Utilities & Bills — points worth 1.0¢ each ($108/yr on $6,000 spend)

                            No annual fee

                            VISA
                            Core Rate
                            1.8¢
                            per dollar on utilities
                            No annual fee($8 in credits)
                            Annual rewards$108
                            + Credits$8
                            Net annual value$116

                            Bonus rate on first $2,500/quarterly, then base rate

                            Wells Fargo Active Cash Card
                            20

                            Wells Fargo Active Cash Card

                            Wells Fargo

                            2% cash back on Utilities

                            Why this card

                              No annual fee

                              VISA
                              1.7¢
                              per dollar on utilities
                              No annual fee($8 in credits)
                              Annual rewards$102
                              + Credits$8
                              Net annual value$110
                              Bank of America® Unlimited Cash Rewards for Students
                              21

                              Bank of America® Unlimited Cash Rewards for Students

                              Bank Of America

                              2% cash back on Utilities

                              Why this card

                                No annual fee

                                VISA
                                1.7¢
                                per dollar on utilities
                                No annual fee($8 in credits)
                                Annual rewards$102
                                + Credits$8
                                Net annual value$110
                                Citi Double Cash Card
                                22

                                Citi Double Cash Card

                                Citi

                                2% cash back on Utilities

                                Why this card

                                  No annual fee

                                  MASTERCARD
                                  1.7¢
                                  per dollar on utilities
                                  No annual fee
                                  Annual rewards$102
                                  Net annual value$102
                                  Bilt Blue Card
                                  23

                                  Bilt Blue Card

                                  Cardless

                                  1x Bilt Rewards on Utilities
                                  1x × 2.0¢/pt = 1.7¢ per dollar

                                  Why this card

                                    No annual fee

                                    MASTERCARD
                                    1.7¢
                                    per dollar on utilities
                                    No annual fee
                                    Annual rewards$102
                                    Net annual value$102
                                    No image
                                    24

                                    SoFi Credit Card

                                    Sofi

                                    2% cash back on Utilities

                                    Why this card

                                      No annual fee

                                      MASTERCARD
                                      1.7¢
                                      per dollar on utilities
                                      No annual fee
                                      Annual rewards$102
                                      Net annual value$102
                                      No image
                                      25

                                      Jasper Cash Back Mastercard

                                      Webbank

                                      2% cash back on Utilities

                                      Why this card

                                        No annual fee

                                        MASTERCARD
                                        1.7¢
                                        per dollar on utilities
                                        No annual fee
                                        Annual rewards$102
                                        Net annual value$102
                                        Rakuten American Express Card
                                        26

                                        Rakuten American Express Card

                                        First Electronic Bank

                                        1% cash back on Utilities

                                        Convertible Cash Back — 1.0–2.0¢/$

                                        This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

                                        Why this card

                                        1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

                                        No annual fee

                                        AMEX
                                        Convertible
                                        1.0–2.0¢
                                        per dollar on utilities
                                        depending on redemption
                                        No annual fee
                                        Annual rewards$79.90
                                        Net annual value$79.90
                                        Bank of America® Customized Cash Rewards for Students
                                        27

                                        Bank of America® Customized Cash Rewards for Students

                                        Bank Of America

                                        3x points on Utilities

                                        Why this card

                                        1. 1.3x on Utilities & Bills ($108/yr on $6,000 spend)

                                        No annual fee

                                        VISA
                                        Core Rate
                                        1.8¢
                                        per dollar on utilities
                                        No annual fee($8 in credits)
                                        Annual rewards$108
                                        + Credits$8
                                        Net annual value$116

                                        Bonus rate on first $2,500/quarterly, then base rate

                                        Bank of America® Customized Cash Rewards Secured
                                        28

                                        Bank of America® Customized Cash Rewards Secured

                                        Bank Of America

                                        3x points on Utilities

                                        Why this card

                                        1. 1.3x on Utilities & Bills ($108/yr on $6,000 spend)

                                        No annual fee

                                        VISA
                                        Core Rate
                                        1.8¢
                                        per dollar on utilities
                                        No annual fee
                                        Annual rewards$108
                                        Net annual value$108

                                        Bonus rate on first $2,500/quarterly, then base rate

                                        Chase Sapphire Preferred Card
                                        29

                                        Chase Sapphire Preferred Card

                                        Chase

                                        1x Ultimate Rewards on Utilities
                                        1x × 1.8¢/pt = 1.5¢ per dollar

                                        Why this card

                                          $93 in credits offset the $95 fee

                                          VISA
                                          1.5¢
                                          per dollar on utilities
                                          $95/yr($93 in credits)
                                          Annual rewards$91.80
                                          + Credits$93
                                          \u2212 Annual fee$95
                                          Net annual value$89.80
                                          No image
                                          30

                                          Bilt Palladium Card

                                          Cardless

                                          1x Bilt Rewards on Utilities
                                          1x × 2.0¢/pt = 1.7¢ per dollar

                                          Why this card

                                            $300 in credits offset the $495 fee

                                            MASTERCARD
                                            1.7¢
                                            per dollar on utilities
                                            $495/yr($300 in credits)
                                            Annual rewards$102
                                            + Credits$300
                                            \u2212 Annual fee$495
                                            Net annual value-$93

                                            Results from

                                            $6,000

                                            Scoring mode

                                            Options

                                            Point valuation

                                            Booking

                                            Rewards

                                            Programs

                                            Networks

                                            Refine results

                                            No annual fee only?

                                            Avoid Amex network?

                                            Already have a premium card?

                                            Resolved as:Utilities
                                            Cached
                                            95%
                                            Not right? Try:
                                            52 matches790ms
                                            No image
                                            1

                                            Capital One Venture X Rewards Credit Card

                                            Capital One

                                            2x Venture Miles on Utilities
                                            2x × 1.9¢/pt = 3.1¢ per dollar

                                            Why this card

                                              $315 in credits offset the $395 fee

                                              VISA
                                              3.1¢
                                              per dollar on utilities
                                              $395/yr($315 in credits)
                                              Annual rewards$188.70
                                              + Credits$315
                                              \u2212 Annual fee$395
                                              Net annual value$108.70
                                              U.S. Bank Cash+® Visa Signature® Card
                                              2

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

                                              Usbank

                                              5% cash back on Utilities

                                              Why this card

                                              1. 1.5% cash back on Utilities & Bills ($180/yr on $6,000 spend)

                                              No annual fee

                                              VISA
                                              Core Rate
                                              3.0¢
                                              per dollar on utilities
                                              No annual fee
                                              Annual rewards$180
                                              Net annual value$180

                                              Bonus rate on first $2,000/quarterly, then base rate

                                              Wells Fargo Autograph Visa Credit Card
                                              3

                                              Wells Fargo Autograph Visa Credit Card

                                              Wells Fargo

                                              3x Wells Fargo Rewards on Utilities
                                              3x × 1.5¢/pt = 2.7¢ per dollar

                                              Why this card

                                              1. 1.3x on Utilities & Bills — points worth 1.5¢ each ($162/yr on $6,000 spend)

                                              No annual fee

                                              VISA
                                              Core Rate
                                              2.7¢
                                              per dollar on utilities
                                              No annual fee($8 in credits)
                                              Annual rewards$162
                                              + Credits$8
                                              Net annual value$170
                                              No image
                                              4

                                              The Platinum Card from American Express

                                              Amex

                                              1x Membership Rewards on Utilities
                                              1x × 1.8¢/pt = 1.5¢ per dollar

                                              Why this card

                                                $1,422 in credits fully offsets the $895 fee

                                                AMEX
                                                1.5¢
                                                per dollar on utilities
                                                $895/yr($1,422 in credits)
                                                Annual rewards$91.80
                                                + Credits$1,422
                                                \u2212 Annual fee$895
                                                Net annual value$618.80
                                                Citi Strata Elite℠ Card
                                                5

                                                Citi Strata Elite℠ Card

                                                Citi

                                                1.5x ThankYou Points on Utilities
                                                1.5x × 1.5¢/pt = 1.9¢ per dollar

                                                Why this card

                                                  $762.50 in credits fully offsets the $595 fee

                                                  MASTERCARD
                                                  1.9¢
                                                  per dollar on utilities
                                                  $595/yr($762.50 in credits)
                                                  Annual rewards$114.75
                                                  + Credits$762.50
                                                  \u2212 Annual fee$595
                                                  Net annual value$282.25
                                                  Capital One VentureOne Rewards Credit Card
                                                  6

                                                  Capital One VentureOne Rewards Credit Card

                                                  Capital One

                                                  1.25x Venture Miles on Utilities
                                                  1.25x × 1.9¢/pt = 2.0¢ per dollar

                                                  Why this card

                                                    No annual fee

                                                    MASTERCARD
                                                    2.0¢
                                                    per dollar on utilities
                                                    No annual fee
                                                    Annual rewards$117.94
                                                    Net annual value$117.94
                                                    Fidelity Rewards Visa Signature Card
                                                    7

                                                    Fidelity Rewards Visa Signature Card

                                                    Elan Financial

                                                    2% cash back on Utilities

                                                    Why this card

                                                      No annual fee

                                                      VISA
                                                      1.7¢
                                                      per dollar on utilities
                                                      No annual fee($8 in credits)
                                                      Annual rewards$102
                                                      + Credits$8
                                                      Net annual value$110
                                                      Choice Privileges Select Mastercard
                                                      8

                                                      Choice Privileges Select Mastercard

                                                      Wells Fargo

                                                      5x Choice Privileges on Utilities
                                                      5x × 0.6¢/pt = 1.8¢ per dollar

                                                      Why this card

                                                      1. 1.5x on Utilities & Bills — points worth 0.6¢ each ($108/yr on $6,000 spend)

                                                      $15 in credits offset the $95 fee

                                                      MASTERCARD
                                                      Core Rate
                                                      1.8¢
                                                      per dollar on utilities
                                                      $95/yr($15 in credits)
                                                      Annual rewards$108
                                                      + Credits$15
                                                      \u2212 Annual fee$95
                                                      Net annual value$28
                                                      Susan G. Komen® Customized Cash Rewards
                                                      9

                                                      Susan G. Komen® Customized Cash Rewards

                                                      Bank Of America

                                                      3x points on Utilities

                                                      Why this card

                                                      1. 1.3x on Utilities & Bills ($108/yr on $6,000 spend)

                                                      No annual fee

                                                      VISA
                                                      Core Rate
                                                      1.8¢
                                                      per dollar on utilities
                                                      No annual fee($8 in credits)
                                                      Annual rewards$108
                                                      + Credits$8
                                                      Net annual value$116

                                                      Bonus rate on first $2,500/quarterly, then base rate

                                                      Chase Sapphire Reserve
                                                      10

                                                      Chase Sapphire Reserve

                                                      Chase

                                                      1x Ultimate Rewards on Utilities
                                                      1x × 1.8¢/pt = 1.5¢ per dollar

                                                      Why this card

                                                        $968 in credits fully offsets the $795 fee

                                                        VISA
                                                        1.5¢
                                                        per dollar on utilities
                                                        $795/yr($968 in credits)
                                                        Annual rewards$91.80
                                                        + Credits$968
                                                        \u2212 Annual fee$795
                                                        Net annual value$264.80
                                                        U.S. Bank Smartly Visa Signature Card
                                                        11

                                                        U.S. Bank Smartly Visa Signature Card

                                                        Usbank

                                                        2% cash back on Utilities

                                                        Why this card

                                                          No annual fee

                                                          VISA
                                                          1.7¢
                                                          per dollar on utilities
                                                          No annual fee($8 in credits)
                                                          Annual rewards$102
                                                          + Credits$8
                                                          Net annual value$110
                                                          Bank of America Unlimited Cash Rewards Credit Card
                                                          12

                                                          Bank of America Unlimited Cash Rewards Credit Card

                                                          Bank Of America

                                                          2% cash back on Utilities

                                                          Why this card

                                                            No annual fee

                                                            VISA
                                                            1.7¢
                                                            per dollar on utilities
                                                            No annual fee($8 in credits)
                                                            Annual rewards$102
                                                            + Credits$8
                                                            Net annual value$110
                                                            No image
                                                            13

                                                            TD Double Up Credit Card

                                                            Td Bank

                                                            2% cash back on Utilities

                                                            Why this card

                                                              No annual fee

                                                              VISA
                                                              1.7¢
                                                              per dollar on utilities
                                                              No annual fee($8 in credits)
                                                              Annual rewards$102
                                                              + Credits$8
                                                              Net annual value$110
                                                              No image
                                                              14

                                                              Verizon Visa Card

                                                              Synchrony

                                                              2% cash back on Utilities

                                                              Why this card

                                                                No annual fee

                                                                VISA
                                                                1.7¢
                                                                per dollar on utilities
                                                                No annual fee($8 in credits)
                                                                Annual rewards$102
                                                                + Credits$8
                                                                Net annual value$110
                                                                Navy Federal Flagship Rewards® Card
                                                                15

                                                                Navy Federal Flagship Rewards® Card

                                                                Navy Federal

                                                                2x Navy Federal Nrewards on Utilities
                                                                2x × 1.0¢/pt = 1.7¢ per dollar

                                                                Why this card

                                                                  No annual fee

                                                                  VISA
                                                                  1.7¢
                                                                  per dollar on utilities
                                                                  No annual fee($8 in credits)
                                                                  Annual rewards$102
                                                                  + Credits$8
                                                                  Net annual value$110
                                                                  Bilt Obsidian Card
                                                                  16

                                                                  Bilt Obsidian Card

                                                                  Cardless

                                                                  1x Bilt Rewards on Utilities
                                                                  1x × 2.0¢/pt = 1.7¢ per dollar
                                                                  MASTERCARD
                                                                  1.7¢
                                                                  per dollar on utilities
                                                                  $95/yr
                                                                  Annual rewards$102
                                                                  \u2212 Annual fee$95
                                                                  Net annual value$7
                                                                  Synchrony Premier Mastercard
                                                                  17

                                                                  Synchrony Premier Mastercard

                                                                  Synchrony

                                                                  2% cash back on Utilities

                                                                  Why this card

                                                                    No annual fee

                                                                    MASTERCARD
                                                                    1.7¢
                                                                    per dollar on utilities
                                                                    No annual fee
                                                                    Annual rewards$102
                                                                    Net annual value$102
                                                                    No image
                                                                    18

                                                                    One Key+ Card

                                                                    Wells Fargo

                                                                    2% cash back on Utilities

                                                                    Why this card

                                                                      No annual fee

                                                                      MASTERCARD
                                                                      1.7¢
                                                                      per dollar on utilities
                                                                      No annual fee
                                                                      Annual rewards$102
                                                                      Net annual value$102
                                                                      Bank of America Customized Cash Rewards Credit Card
                                                                      19

                                                                      Bank of America Customized Cash Rewards Credit Card

                                                                      Bank Of America

                                                                      3x Bank Of America Points on Utilities
                                                                      3x × 1.0¢/pt = 1.8¢ per dollar

                                                                      Why this card

                                                                      1. 1.3x on Utilities & Bills — points worth 1.0¢ each ($108/yr on $6,000 spend)

                                                                      No annual fee

                                                                      VISA
                                                                      Core Rate
                                                                      1.8¢
                                                                      per dollar on utilities
                                                                      No annual fee($8 in credits)
                                                                      Annual rewards$108
                                                                      + Credits$8
                                                                      Net annual value$116

                                                                      Bonus rate on first $2,500/quarterly, then base rate

                                                                      Wells Fargo Active Cash Card
                                                                      20

                                                                      Wells Fargo Active Cash Card

                                                                      Wells Fargo

                                                                      2% cash back on Utilities

                                                                      Why this card

                                                                        No annual fee

                                                                        VISA
                                                                        1.7¢
                                                                        per dollar on utilities
                                                                        No annual fee($8 in credits)
                                                                        Annual rewards$102
                                                                        + Credits$8
                                                                        Net annual value$110
                                                                        Bank of America® Unlimited Cash Rewards for Students
                                                                        21

                                                                        Bank of America® Unlimited Cash Rewards for Students

                                                                        Bank Of America

                                                                        2% cash back on Utilities

                                                                        Why this card

                                                                          No annual fee

                                                                          VISA
                                                                          1.7¢
                                                                          per dollar on utilities
                                                                          No annual fee($8 in credits)
                                                                          Annual rewards$102
                                                                          + Credits$8
                                                                          Net annual value$110
                                                                          Citi Double Cash Card
                                                                          22

                                                                          Citi Double Cash Card

                                                                          Citi

                                                                          2% cash back on Utilities

                                                                          Why this card

                                                                            No annual fee

                                                                            MASTERCARD
                                                                            1.7¢
                                                                            per dollar on utilities
                                                                            No annual fee
                                                                            Annual rewards$102
                                                                            Net annual value$102
                                                                            Bilt Blue Card
                                                                            23

                                                                            Bilt Blue Card

                                                                            Cardless

                                                                            1x Bilt Rewards on Utilities
                                                                            1x × 2.0¢/pt = 1.7¢ per dollar

                                                                            Why this card

                                                                              No annual fee

                                                                              MASTERCARD
                                                                              1.7¢
                                                                              per dollar on utilities
                                                                              No annual fee
                                                                              Annual rewards$102
                                                                              Net annual value$102
                                                                              No image
                                                                              24

                                                                              SoFi Credit Card

                                                                              Sofi

                                                                              2% cash back on Utilities

                                                                              Why this card

                                                                                No annual fee

                                                                                MASTERCARD
                                                                                1.7¢
                                                                                per dollar on utilities
                                                                                No annual fee
                                                                                Annual rewards$102
                                                                                Net annual value$102
                                                                                No image
                                                                                25

                                                                                Jasper Cash Back Mastercard

                                                                                Webbank

                                                                                2% cash back on Utilities

                                                                                Why this card

                                                                                  No annual fee

                                                                                  MASTERCARD
                                                                                  1.7¢
                                                                                  per dollar on utilities
                                                                                  No annual fee
                                                                                  Annual rewards$102
                                                                                  Net annual value$102
                                                                                  Rakuten American Express Card
                                                                                  26

                                                                                  Rakuten American Express Card

                                                                                  First Electronic Bank

                                                                                  1% cash back on Utilities

                                                                                  Convertible Cash Back — 1.0–2.0¢/$

                                                                                  This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

                                                                                  Why this card

                                                                                  1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

                                                                                  No annual fee

                                                                                  AMEX
                                                                                  Convertible
                                                                                  1.0–2.0¢
                                                                                  per dollar on utilities
                                                                                  depending on redemption
                                                                                  No annual fee
                                                                                  Annual rewards$79.90
                                                                                  Net annual value$79.90
                                                                                  Bank of America® Customized Cash Rewards for Students
                                                                                  27

                                                                                  Bank of America® Customized Cash Rewards for Students

                                                                                  Bank Of America

                                                                                  3x points on Utilities

                                                                                  Why this card

                                                                                  1. 1.3x on Utilities & Bills ($108/yr on $6,000 spend)

                                                                                  No annual fee

                                                                                  VISA
                                                                                  Core Rate
                                                                                  1.8¢
                                                                                  per dollar on utilities
                                                                                  No annual fee($8 in credits)
                                                                                  Annual rewards$108
                                                                                  + Credits$8
                                                                                  Net annual value$116

                                                                                  Bonus rate on first $2,500/quarterly, then base rate

                                                                                  Bank of America® Customized Cash Rewards Secured
                                                                                  28

                                                                                  Bank of America® Customized Cash Rewards Secured

                                                                                  Bank Of America

                                                                                  3x points on Utilities

                                                                                  Why this card

                                                                                  1. 1.3x on Utilities & Bills ($108/yr on $6,000 spend)

                                                                                  No annual fee

                                                                                  VISA
                                                                                  Core Rate
                                                                                  1.8¢
                                                                                  per dollar on utilities
                                                                                  No annual fee
                                                                                  Annual rewards$108
                                                                                  Net annual value$108

                                                                                  Bonus rate on first $2,500/quarterly, then base rate

                                                                                  Chase Sapphire Preferred Card
                                                                                  29

                                                                                  Chase Sapphire Preferred Card

                                                                                  Chase

                                                                                  1x Ultimate Rewards on Utilities
                                                                                  1x × 1.8¢/pt = 1.5¢ per dollar

                                                                                  Why this card

                                                                                    $93 in credits offset the $95 fee

                                                                                    VISA
                                                                                    1.5¢
                                                                                    per dollar on utilities
                                                                                    $95/yr($93 in credits)
                                                                                    Annual rewards$91.80
                                                                                    + Credits$93
                                                                                    \u2212 Annual fee$95
                                                                                    Net annual value$89.80
                                                                                    No image
                                                                                    30

                                                                                    Bilt Palladium Card

                                                                                    Cardless

                                                                                    1x Bilt Rewards on Utilities
                                                                                    1x × 2.0¢/pt = 1.7¢ per dollar

                                                                                    Why this card

                                                                                      $300 in credits offset the $495 fee

                                                                                      MASTERCARD
                                                                                      1.7¢
                                                                                      per dollar on utilities
                                                                                      $495/yr($300 in credits)
                                                                                      Annual rewards$102
                                                                                      + Credits$300
                                                                                      \u2212 Annual fee$495
                                                                                      Net annual value-$93

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                                                                                      No annual fee only?

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                                                                                      1

                                                                                      Capital One Venture X Rewards Credit Card

                                                                                      Capital One

                                                                                      2x Venture Miles on Utilities
                                                                                      2x × 1.9¢/pt = 3.1¢ per dollar

                                                                                      Why this card

                                                                                        $315 in credits offset the $395 fee

                                                                                        VISA
                                                                                        3.1¢
                                                                                        per dollar on utilities
                                                                                        $395/yr($315 in credits)
                                                                                        Annual rewards$188.70
                                                                                        + Credits$315
                                                                                        \u2212 Annual fee$395
                                                                                        Net annual value$108.70
                                                                                        U.S. Bank Cash+® Visa Signature® Card
                                                                                        2

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

                                                                                        Usbank

                                                                                        5% cash back on Utilities

                                                                                        Why this card

                                                                                        1. 1.5% cash back on Utilities & Bills ($180/yr on $6,000 spend)

                                                                                        No annual fee

                                                                                        VISA
                                                                                        Core Rate
                                                                                        3.0¢
                                                                                        per dollar on utilities
                                                                                        No annual fee
                                                                                        Annual rewards$180
                                                                                        Net annual value$180

                                                                                        Bonus rate on first $2,000/quarterly, then base rate

                                                                                        Wells Fargo Autograph Visa Credit Card
                                                                                        3

                                                                                        Wells Fargo Autograph Visa Credit Card

                                                                                        Wells Fargo

                                                                                        3x Wells Fargo Rewards on Utilities
                                                                                        3x × 1.5¢/pt = 2.7¢ per dollar

                                                                                        Why this card

                                                                                        1. 1.3x on Utilities & Bills — points worth 1.5¢ each ($162/yr on $6,000 spend)

                                                                                        No annual fee

                                                                                        VISA
                                                                                        Core Rate
                                                                                        2.7¢
                                                                                        per dollar on utilities
                                                                                        No annual fee($8 in credits)
                                                                                        Annual rewards$162
                                                                                        + Credits$8
                                                                                        Net annual value$170
                                                                                        No image
                                                                                        4

                                                                                        The Platinum Card from American Express

                                                                                        Amex

                                                                                        1x Membership Rewards on Utilities
                                                                                        1x × 1.8¢/pt = 1.5¢ per dollar

                                                                                        Why this card

                                                                                          $1,422 in credits fully offsets the $895 fee

                                                                                          AMEX
                                                                                          1.5¢
                                                                                          per dollar on utilities
                                                                                          $895/yr($1,422 in credits)
                                                                                          Annual rewards$91.80
                                                                                          + Credits$1,422
                                                                                          \u2212 Annual fee$895
                                                                                          Net annual value$618.80
                                                                                          Citi Strata Elite℠ Card
                                                                                          5

                                                                                          Citi Strata Elite℠ Card

                                                                                          Citi

                                                                                          1.5x ThankYou Points on Utilities
                                                                                          1.5x × 1.5¢/pt = 1.9¢ per dollar

                                                                                          Why this card

                                                                                            $762.50 in credits fully offsets the $595 fee

                                                                                            MASTERCARD
                                                                                            1.9¢
                                                                                            per dollar on utilities
                                                                                            $595/yr($762.50 in credits)
                                                                                            Annual rewards$114.75
                                                                                            + Credits$762.50
                                                                                            \u2212 Annual fee$595
                                                                                            Net annual value$282.25
                                                                                            Capital One VentureOne Rewards Credit Card
                                                                                            6

                                                                                            Capital One VentureOne Rewards Credit Card

                                                                                            Capital One

                                                                                            1.25x Venture Miles on Utilities
                                                                                            1.25x × 1.9¢/pt = 2.0¢ per dollar

                                                                                            Why this card

                                                                                              No annual fee

                                                                                              MASTERCARD
                                                                                              2.0¢
                                                                                              per dollar on utilities
                                                                                              No annual fee
                                                                                              Annual rewards$117.94
                                                                                              Net annual value$117.94
                                                                                              Fidelity Rewards Visa Signature Card
                                                                                              7

                                                                                              Fidelity Rewards Visa Signature Card

                                                                                              Elan Financial

                                                                                              2% cash back on Utilities

                                                                                              Why this card

                                                                                                No annual fee

                                                                                                VISA
                                                                                                1.7¢
                                                                                                per dollar on utilities
                                                                                                No annual fee($8 in credits)
                                                                                                Annual rewards$102
                                                                                                + Credits$8
                                                                                                Net annual value$110
                                                                                                Choice Privileges Select Mastercard
                                                                                                8

                                                                                                Choice Privileges Select Mastercard

                                                                                                Wells Fargo

                                                                                                5x Choice Privileges on Utilities
                                                                                                5x × 0.6¢/pt = 1.8¢ per dollar

                                                                                                Why this card

                                                                                                1. 1.5x on Utilities & Bills — points worth 0.6¢ each ($108/yr on $6,000 spend)

                                                                                                $15 in credits offset the $95 fee

                                                                                                MASTERCARD
                                                                                                Core Rate
                                                                                                1.8¢
                                                                                                per dollar on utilities
                                                                                                $95/yr($15 in credits)
                                                                                                Annual rewards$108
                                                                                                + Credits$15
                                                                                                \u2212 Annual fee$95
                                                                                                Net annual value$28
                                                                                                Susan G. Komen® Customized Cash Rewards
                                                                                                9

                                                                                                Susan G. Komen® Customized Cash Rewards

                                                                                                Bank Of America

                                                                                                3x points on Utilities

                                                                                                Why this card

                                                                                                1. 1.3x on Utilities & Bills ($108/yr on $6,000 spend)

                                                                                                No annual fee

                                                                                                VISA
                                                                                                Core Rate
                                                                                                1.8¢
                                                                                                per dollar on utilities
                                                                                                No annual fee($8 in credits)
                                                                                                Annual rewards$108
                                                                                                + Credits$8
                                                                                                Net annual value$116

                                                                                                Bonus rate on first $2,500/quarterly, then base rate

                                                                                                Chase Sapphire Reserve
                                                                                                10

                                                                                                Chase Sapphire Reserve

                                                                                                Chase

                                                                                                1x Ultimate Rewards on Utilities
                                                                                                1x × 1.8¢/pt = 1.5¢ per dollar

                                                                                                Why this card

                                                                                                  $968 in credits fully offsets the $795 fee

                                                                                                  VISA
                                                                                                  1.5¢
                                                                                                  per dollar on utilities
                                                                                                  $795/yr($968 in credits)
                                                                                                  Annual rewards$91.80
                                                                                                  + Credits$968
                                                                                                  \u2212 Annual fee$795
                                                                                                  Net annual value$264.80
                                                                                                  U.S. Bank Smartly Visa Signature Card
                                                                                                  11

                                                                                                  U.S. Bank Smartly Visa Signature Card

                                                                                                  Usbank

                                                                                                  2% cash back on Utilities

                                                                                                  Why this card

                                                                                                    No annual fee

                                                                                                    VISA
                                                                                                    1.7¢
                                                                                                    per dollar on utilities
                                                                                                    No annual fee($8 in credits)
                                                                                                    Annual rewards$102
                                                                                                    + Credits$8
                                                                                                    Net annual value$110
                                                                                                    Bank of America Unlimited Cash Rewards Credit Card
                                                                                                    12

                                                                                                    Bank of America Unlimited Cash Rewards Credit Card

                                                                                                    Bank Of America

                                                                                                    2% cash back on Utilities

                                                                                                    Why this card

                                                                                                      No annual fee

                                                                                                      VISA
                                                                                                      1.7¢
                                                                                                      per dollar on utilities
                                                                                                      No annual fee($8 in credits)
                                                                                                      Annual rewards$102
                                                                                                      + Credits$8
                                                                                                      Net annual value$110
                                                                                                      No image
                                                                                                      13

                                                                                                      TD Double Up Credit Card

                                                                                                      Td Bank

                                                                                                      2% cash back on Utilities

                                                                                                      Why this card

                                                                                                        No annual fee

                                                                                                        VISA
                                                                                                        1.7¢
                                                                                                        per dollar on utilities
                                                                                                        No annual fee($8 in credits)
                                                                                                        Annual rewards$102
                                                                                                        + Credits$8
                                                                                                        Net annual value$110
                                                                                                        No image
                                                                                                        14

                                                                                                        Verizon Visa Card

                                                                                                        Synchrony

                                                                                                        2% cash back on Utilities

                                                                                                        Why this card

                                                                                                          No annual fee

                                                                                                          VISA
                                                                                                          1.7¢
                                                                                                          per dollar on utilities
                                                                                                          No annual fee($8 in credits)
                                                                                                          Annual rewards$102
                                                                                                          + Credits$8
                                                                                                          Net annual value$110
                                                                                                          Navy Federal Flagship Rewards® Card
                                                                                                          15

                                                                                                          Navy Federal Flagship Rewards® Card

                                                                                                          Navy Federal

                                                                                                          2x Navy Federal Nrewards on Utilities
                                                                                                          2x × 1.0¢/pt = 1.7¢ per dollar

                                                                                                          Why this card

                                                                                                            No annual fee

                                                                                                            VISA
                                                                                                            1.7¢
                                                                                                            per dollar on utilities
                                                                                                            No annual fee($8 in credits)
                                                                                                            Annual rewards$102
                                                                                                            + Credits$8
                                                                                                            Net annual value$110
                                                                                                            Bilt Obsidian Card
                                                                                                            16

                                                                                                            Bilt Obsidian Card

                                                                                                            Cardless

                                                                                                            1x Bilt Rewards on Utilities
                                                                                                            1x × 2.0¢/pt = 1.7¢ per dollar
                                                                                                            MASTERCARD
                                                                                                            1.7¢
                                                                                                            per dollar on utilities
                                                                                                            $95/yr
                                                                                                            Annual rewards$102
                                                                                                            \u2212 Annual fee$95
                                                                                                            Net annual value$7
                                                                                                            Synchrony Premier Mastercard
                                                                                                            17

                                                                                                            Synchrony Premier Mastercard

                                                                                                            Synchrony

                                                                                                            2% cash back on Utilities

                                                                                                            Why this card

                                                                                                              No annual fee

                                                                                                              MASTERCARD
                                                                                                              1.7¢
                                                                                                              per dollar on utilities
                                                                                                              No annual fee
                                                                                                              Annual rewards$102
                                                                                                              Net annual value$102
                                                                                                              No image
                                                                                                              18

                                                                                                              One Key+ Card

                                                                                                              Wells Fargo

                                                                                                              2% cash back on Utilities

                                                                                                              Why this card

                                                                                                                No annual fee

                                                                                                                MASTERCARD
                                                                                                                1.7¢
                                                                                                                per dollar on utilities
                                                                                                                No annual fee
                                                                                                                Annual rewards$102
                                                                                                                Net annual value$102
                                                                                                                Bank of America Customized Cash Rewards Credit Card
                                                                                                                19

                                                                                                                Bank of America Customized Cash Rewards Credit Card

                                                                                                                Bank Of America

                                                                                                                3x Bank Of America Points on Utilities
                                                                                                                3x × 1.0¢/pt = 1.8¢ per dollar

                                                                                                                Why this card

                                                                                                                1. 1.3x on Utilities & Bills — points worth 1.0¢ each ($108/yr on $6,000 spend)

                                                                                                                No annual fee

                                                                                                                VISA
                                                                                                                Core Rate
                                                                                                                1.8¢
                                                                                                                per dollar on utilities
                                                                                                                No annual fee($8 in credits)
                                                                                                                Annual rewards$108
                                                                                                                + Credits$8
                                                                                                                Net annual value$116

                                                                                                                Bonus rate on first $2,500/quarterly, then base rate

                                                                                                                Wells Fargo Active Cash Card
                                                                                                                20

                                                                                                                Wells Fargo Active Cash Card

                                                                                                                Wells Fargo

                                                                                                                2% cash back on Utilities

                                                                                                                Why this card

                                                                                                                  No annual fee

                                                                                                                  VISA
                                                                                                                  1.7¢
                                                                                                                  per dollar on utilities
                                                                                                                  No annual fee($8 in credits)
                                                                                                                  Annual rewards$102
                                                                                                                  + Credits$8
                                                                                                                  Net annual value$110
                                                                                                                  Bank of America® Unlimited Cash Rewards for Students
                                                                                                                  21

                                                                                                                  Bank of America® Unlimited Cash Rewards for Students

                                                                                                                  Bank Of America

                                                                                                                  2% cash back on Utilities

                                                                                                                  Why this card

                                                                                                                    No annual fee

                                                                                                                    VISA
                                                                                                                    1.7¢
                                                                                                                    per dollar on utilities
                                                                                                                    No annual fee($8 in credits)
                                                                                                                    Annual rewards$102
                                                                                                                    + Credits$8
                                                                                                                    Net annual value$110
                                                                                                                    Citi Double Cash Card
                                                                                                                    22

                                                                                                                    Citi Double Cash Card

                                                                                                                    Citi

                                                                                                                    2% cash back on Utilities

                                                                                                                    Why this card

                                                                                                                      No annual fee

                                                                                                                      MASTERCARD
                                                                                                                      1.7¢
                                                                                                                      per dollar on utilities
                                                                                                                      No annual fee
                                                                                                                      Annual rewards$102
                                                                                                                      Net annual value$102
                                                                                                                      Bilt Blue Card
                                                                                                                      23

                                                                                                                      Bilt Blue Card

                                                                                                                      Cardless

                                                                                                                      1x Bilt Rewards on Utilities
                                                                                                                      1x × 2.0¢/pt = 1.7¢ per dollar

                                                                                                                      Why this card

                                                                                                                        No annual fee

                                                                                                                        MASTERCARD
                                                                                                                        1.7¢
                                                                                                                        per dollar on utilities
                                                                                                                        No annual fee
                                                                                                                        Annual rewards$102
                                                                                                                        Net annual value$102
                                                                                                                        No image
                                                                                                                        24

                                                                                                                        SoFi Credit Card

                                                                                                                        Sofi

                                                                                                                        2% cash back on Utilities

                                                                                                                        Why this card

                                                                                                                          No annual fee

                                                                                                                          MASTERCARD
                                                                                                                          1.7¢
                                                                                                                          per dollar on utilities
                                                                                                                          No annual fee
                                                                                                                          Annual rewards$102
                                                                                                                          Net annual value$102
                                                                                                                          No image
                                                                                                                          25

                                                                                                                          Jasper Cash Back Mastercard

                                                                                                                          Webbank

                                                                                                                          2% cash back on Utilities

                                                                                                                          Why this card

                                                                                                                            No annual fee

                                                                                                                            MASTERCARD
                                                                                                                            1.7¢
                                                                                                                            per dollar on utilities
                                                                                                                            No annual fee
                                                                                                                            Annual rewards$102
                                                                                                                            Net annual value$102
                                                                                                                            Rakuten American Express Card
                                                                                                                            26

                                                                                                                            Rakuten American Express Card

                                                                                                                            First Electronic Bank

                                                                                                                            1% cash back on Utilities

                                                                                                                            Convertible Cash Back — 1.0–2.0¢/$

                                                                                                                            This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

                                                                                                                            Why this card

                                                                                                                            1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

                                                                                                                            No annual fee

                                                                                                                            AMEX
                                                                                                                            Convertible
                                                                                                                            1.0–2.0¢
                                                                                                                            per dollar on utilities
                                                                                                                            depending on redemption
                                                                                                                            No annual fee
                                                                                                                            Annual rewards$79.90
                                                                                                                            Net annual value$79.90
                                                                                                                            Bank of America® Customized Cash Rewards for Students
                                                                                                                            27

                                                                                                                            Bank of America® Customized Cash Rewards for Students

                                                                                                                            Bank Of America

                                                                                                                            3x points on Utilities

                                                                                                                            Why this card

                                                                                                                            1. 1.3x on Utilities & Bills ($108/yr on $6,000 spend)

                                                                                                                            No annual fee

                                                                                                                            VISA
                                                                                                                            Core Rate
                                                                                                                            1.8¢
                                                                                                                            per dollar on utilities
                                                                                                                            No annual fee($8 in credits)
                                                                                                                            Annual rewards$108
                                                                                                                            + Credits$8
                                                                                                                            Net annual value$116

                                                                                                                            Bonus rate on first $2,500/quarterly, then base rate

                                                                                                                            Bank of America® Customized Cash Rewards Secured
                                                                                                                            28

                                                                                                                            Bank of America® Customized Cash Rewards Secured

                                                                                                                            Bank Of America

                                                                                                                            3x points on Utilities

                                                                                                                            Why this card

                                                                                                                            1. 1.3x on Utilities & Bills ($108/yr on $6,000 spend)

                                                                                                                            No annual fee

                                                                                                                            VISA
                                                                                                                            Core Rate
                                                                                                                            1.8¢
                                                                                                                            per dollar on utilities
                                                                                                                            No annual fee
                                                                                                                            Annual rewards$108
                                                                                                                            Net annual value$108

                                                                                                                            Bonus rate on first $2,500/quarterly, then base rate

                                                                                                                            Chase Sapphire Preferred Card
                                                                                                                            29

                                                                                                                            Chase Sapphire Preferred Card

                                                                                                                            Chase

                                                                                                                            1x Ultimate Rewards on Utilities
                                                                                                                            1x × 1.8¢/pt = 1.5¢ per dollar

                                                                                                                            Why this card

                                                                                                                              $93 in credits offset the $95 fee

                                                                                                                              VISA
                                                                                                                              1.5¢
                                                                                                                              per dollar on utilities
                                                                                                                              $95/yr($93 in credits)
                                                                                                                              Annual rewards$91.80
                                                                                                                              + Credits$93
                                                                                                                              \u2212 Annual fee$95
                                                                                                                              Net annual value$89.80
                                                                                                                              No image
                                                                                                                              30

                                                                                                                              Bilt Palladium Card

                                                                                                                              Cardless

                                                                                                                              1x Bilt Rewards on Utilities
                                                                                                                              1x × 2.0¢/pt = 1.7¢ per dollar

                                                                                                                              Why this card

                                                                                                                                $300 in credits offset the $495 fee

                                                                                                                                MASTERCARD
                                                                                                                                1.7¢
                                                                                                                                per dollar on utilities
                                                                                                                                $495/yr($300 in credits)
                                                                                                                                Annual rewards$102
                                                                                                                                + Credits$300
                                                                                                                                \u2212 Annual fee$495
                                                                                                                                Net annual value-$93