Utilities is a major destination for spending in the services category.

Card Rewards

CardRateCash / $100 ? Liquidation floor for this currency (Statement credit/Bank deposit).Why it Wins
Key2More Rewards® Mastercard®5.0x
Points
$5.00Base Rate
My GM Rewards Card4.0x
Gm Rewards
$4.00Base Rate
Amex Hilton Honors Business Card3.0x
Hilton Points
$3.00Base Rate
Hilton Honors American Express Aspire Card3.0x
Hilton Points
$3.00Base Rate
Amex Hilton Honors3.0x
Hilton Points
$3.00Base Rate
Hilton Honors American Express Surpass Card3.0x
Hilton Points
$3.00Base Rate
IHG One Rewards Premier Business Credit Card3.0x
Ihg Points
$3.00Base Rate
IHG One Rewards Premier Credit Card3.0x
Ihg Points
$3.00Base Rate
Robinhood Gold Card3.0x
Cash
$3.00Base Rate
Alliant Cashback Visa® Signature Credit Card2.5x
Cash
$2.50Base Rate
Amex Graphite® Business Cash Unlimited Card2.0x
Cash
$2.00Base Rate
Amex Marriott Bonvoy Business Card2.0x
Marriott Points
$2.00Base Rate
Marriott Bonvoy Bevy American Express Card2.0x
Marriott Points
$2.00Base Rate
Marriott Bonvoy American Express Card2.0x
Marriott Points
$2.00Base Rate
Marriott Bonvoy Brilliant American Express Card2.0x
Marriott Points
$2.00Base Rate
Capital One Spark Cash Plus2.0x
Cash
$2.00Base Rate
Capital One Spark Miles for Business2.0x
Capital One Miles
$2.00Base Rate
Capital One Venture Rewards Credit Card2.0x
Capital One Miles
$2.00Base Rate
Capital One Venture X Rewards Credit Card2.0x
Capital One Miles
$2.00Base Rate
Capital One Venture X Business2.0x
Capital One Miles
$2.00Base Rate
Ink Business Premier® Credit Card2.0x
Cash
$2.00Base Rate
IHG One Rewards Traveler Credit Card2.0x
Ihg Points
$2.00Base Rate
Marriott Bonvoy Bold® Credit Card2.0x
Marriott Points
$2.00Base Rate
Marriott Bonvoy Boundless® Credit Card2.0x
Marriott Points
$2.00Base Rate
Marriott Bonvoy Bountiful™ Credit Card2.0x
Marriott Points
$2.00Base Rate
Citi Double Cash® Card2.0x
Citi Thankyou Points
$2.00Base Rate
Fidelity® Rewards Visa Signature® Card2.0x
Cash
$2.00Base Rate
FNBO Evergreen® Rewards Visa®2.0x
Cash
$2.00Base Rate
Visa Signature® Flagship Rewards Credit Card2.0x
Points
$2.00Base Rate
Power Cash Rewards Visa Signature® Card2.0x
Cash
$2.00Base Rate
SoFi Credit Card2.0x
Cash
$2.00Base Rate
TD Double Up℠ Credit Card2.0x
Cash
$2.00Base Rate
U.S. Bank Business Altitude™ Power World Elite Mastercard®2.0x
Us Bank Altitude Points
$2.00Base Rate
Wells Fargo Active Cash® Card2.0x
Cash
$2.00Base Rate
Signify Business Cash℠ Card by Wells Fargo2.0x
Cash
$2.00Base Rate
Citizens Cash Back Plus™ World Mastercard®1.8x
Cash
$1.80Base Rate
cashRewards Credit Card1.8x
Cash
$1.75Base Rate
Fifth Third 1.67% Cash/Back Card1.7x
Cash
$1.67Base Rate
Amex Cash Magnet1.5x
Cash
$1.50Base Rate
Bank of America® Business Advantage Travel Rewards World Mastercard®1.5x
Bofa Travel Rewards
$1.50Base Rate
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®1.5x
Cash
$1.50Base Rate
Bank of America® Premium Rewards® Credit Card1.5x
Bofa Premium Rewards
$1.50Base Rate
Bank of America® Premium Rewards® Elite Credit Card1.5x
Bofa Premium Rewards
$1.50Base Rate
Bank of America® Travel Rewards Credit Card1.5x
Bofa Travel Rewards
$1.50Base Rate
Bank of America® Unlimited Cash Rewards Credit Card1.5x
Cash
$1.50Base Rate
BECU Visa® Credit Card1.5x
Cash
$1.50Base Rate
Air France KLM World Elite Mastercard®1.5x
Airline Miles
$1.50Base Rate
Business Advantage Travel Rewards World Mastercard®1.5x
Boa Points
$1.50Base Rate
Business Advantage Unlimited Cash Rewards Mastercard®1.5x
Cash
$1.50Base Rate
Bank of America Premium Rewards1.5x
Boa Points
$1.50Base Rate
Bank of America Premium Rewards Elite1.5x
Boa Points
$1.50Base Rate
Bank of America Travel Rewards1.5x
Boa Points
$1.50Base Rate
Bank of America Unlimited Cash Rewards1.5x
Cash
$1.50Base Rate
Virgin Atlantic World Elite Mastercard®1.5x
Airline Miles
$1.50Base Rate
Capital One Quicksilver Cash Rewards Credit Card1.5x
Cash
$1.50Base Rate
Capital One Quicksilver Student Cash Rewards Credit Card1.5x
Cash
$1.50Base Rate
Capital One QuicksilverOne Cash Rewards Credit Card1.5x
Cash
$1.50Base Rate
Capital One Spark Cash Select1.5x
Cash
$1.50Base Rate
Capital One Spark Miles Select for Business1.5x
Capital One Miles
$1.50Base Rate
Chase Freedom Unlimited®1.5x
Chase Points
$1.50Base Rate
Chase Ink Business Unlimited®1.5x
Chase Points
$1.50Base Rate
Discover it® Miles1.5x
Discover Miles
$1.50Base Rate
Platinum Rewards Credit Card1.5x
Cash
$1.50Base Rate
M&T Visa® Signature Credit Card1.5x
Points
$1.50Base Rate
Pathfinder® Rewards Visa Signature® Card1.5x
Points
$1.50Base Rate
Petal® 2 "Cash Back, No Fees" Visa® Credit Card1.5x
Cash
$1.50Base Rate
Ramp Corporate Card1.5x
Cash
$1.50Base Rate
Regions Cash Rewards Visa®1.5x
Cash
$1.50Base Rate
Santander® Ultimate Cash Back1.5x
Cash
$1.50Base Rate
SchoolsFirst Inspire Mastercard®1.5x
Cash
$1.50Base Rate
PayPal Cashback Mastercard®1.5x
Cash
$1.50Base Rate
Upgrade Cash Rewards Visa®1.5x
Cash
$1.50Base Rate
U.S. Bank Shopper Cash Rewards® Visa Signature® Card1.5x
Cash
$1.50Base Rate
Capital One VentureOne Rewards Credit Card1.2x
Capital One Miles
$1.25Base Rate
Amex Blue Cash Everyday1.0x
Cash
$1.00Base Rate
Amex Blue Cash Preferred1.0x
Cash
$1.00Base Rate
Amex Blue Business Cash Card1.0x
Cash
$1.00Base Rate
Amex Delta SkyMiles® Gold Business Card1.0x
Delta Miles
$1.00Base Rate
Amex Delta SkyMiles® Platinum Business Card1.0x
Delta Miles
$1.00Base Rate
Amex Delta SkyMiles® Reserve Business Card1.0x
Delta Miles
$1.00Base Rate
Amex Delta SkyMiles Blue1.0x
Delta Miles
$1.00Base Rate
Amex Delta SkyMiles Gold1.0x
Delta Miles
$1.00Base Rate
Amex Delta SkyMiles Platinum1.0x
Delta Miles
$1.00Base Rate
Delta SkyMiles Reserve American Express Card1.0x
Delta Miles
$1.00Base Rate
Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley1.0x
Cash
$1.00Base Rate
Bank of America® Business Advantage Customized Cash Rewards Mastercard®1.0x
Cash
$1.00Base Rate
Bank of America® Customized Cash Rewards Credit Card1.0x
Cash
$1.00Base Rate
AAdvantage® Aviator® Red World Elite Mastercard®1.0x
American Airlines Aadvantage
$1.00Base Rate
Hawaiian Airlines® World Elite Mastercard®1.0x
Hawaiian Airlines Hawaiianmiles
$1.00Base Rate
JetBlue Card1.0x
Jetblue Trueblue
$1.00Base Rate
JetBlue Plus Card1.0x
Jetblue Trueblue
$1.00Base Rate
Wyndham Rewards Earner® Business Card1.0x
Wyndham Rewards
$1.00Base Rate
Wyndham Rewards Earner® Plus Card1.0x
Wyndham Rewards
$1.00Base Rate
Bilt World Elite Mastercard®1.0x
Points
$1.00Base Rate
BMO Cash Back Mastercard®1.0x
Cash
$1.00Base Rate
Alaska Airlines Visa Signature®1.0x
Airline Miles
$1.00Base Rate
Alaska Airlines Visa® Business Card1.0x
Airline Miles
$1.00Base Rate
Allegiant World Mastercard®1.0x
Airline Miles
$1.00Base Rate
Business Advantage Customized Cash Rewards Mastercard®1.0x
Cash
$1.00Base Rate
Celebrity Cruises® Visa Signature®1.0x
Cruise Points
$1.00Base Rate
Bank of America Customized Cash Rewards1.0x
Cash
$1.00Base Rate
Free Spirit® Travel Mastercard®1.0x
Airline Miles
$1.00Base Rate
Free Spirit® Travel More World Elite Mastercard®1.0x
Airline Miles
$1.00Base Rate
Norwegian Cruise Line® World Mastercard®1.0x
Cruise Points
$1.00Base Rate
Royal Caribbean® Visa Signature®1.0x
Cruise Points
$1.00Base Rate
Sonesta World Mastercard®1.0x
Hotel Points
$1.00Base Rate
Susan G. Komen® Customized Cash Rewards Visa®1.0x
Cash
$1.00Base Rate
World Wildlife Fund Customized Cash Rewards Visa®1.0x
Cash
$1.00Base Rate
AAA Daily Advantage Visa Signature® Credit Card1.0x
Cash
$1.00Base Rate
AAA Travel Advantage Visa Signature® Credit Card1.0x
Cash
$1.00Base Rate
Brex Corporate Card1.0x
Points
$1.00Base Rate
Capital One SavorOne Cash Rewards Credit Card1.0x
Cash
$1.00Base Rate
Capital One SavorOne Student Cash Rewards Credit Card1.0x
Cash
$1.00Base Rate
Chase Aeroplan® Credit Card1.0x
Aeroplan Points
$1.00Base Rate
Amazon Prime Visa1.0x
Cash
$1.00Base Rate
Amazon Visa1.0x
Cash
$1.00Base Rate
World of Hyatt Business Credit Card1.0x
Hyatt Points
$1.00Base Rate
Ink Business Cash® Credit Card1.0x
Chase Points
$1.00Base Rate
Ink Business Preferred® Credit Card1.0x
Chase Points
$1.00Base Rate
Southwest® Rapid Rewards® Performance Business Credit Card1.0x
Southwest Points
$1.00Base Rate
Southwest® Rapid Rewards® Premier Business Credit Card1.0x
Southwest Points
$1.00Base Rate
United℠ Business Card1.0x
United Miles
$1.00Base Rate
United Club℠ Business Card1.0x
United Miles
$1.00Base Rate
Disney® Inspire Visa® Card1.0x
Disney Rewards Dollars
$1.00Base Rate
Disney® Premier Visa® Card1.0x
Disney Rewards Dollars
$1.00Base Rate
Disney® Visa® Card1.0x
Disney Rewards Dollars
$1.00Base Rate
DoorDash Rewards Mastercard®1.0x
Cash
$1.00Base Rate
Chase Freedom Flex℠1.0x
Chase Points
$1.00Base Rate
World of Hyatt Credit Card1.0x
Hyatt Points
$1.00Base Rate
Instacart Mastercard®1.0x
Cash
$1.00Base Rate
Chase Sapphire Preferred1.0x
Chase Points
$1.00Base Rate
Chase Sapphire Reserve®1.0x
Chase Points
$1.00Base Rate
Southwest Rapid Rewards® Plus Credit Card1.0x
Southwest Points
$1.00Base Rate
Southwest Rapid Rewards® Premier Credit Card1.0x
Southwest Points
$1.00Base Rate
Southwest Rapid Rewards® Priority Credit Card1.0x
Southwest Points
$1.00Base Rate
United Club℠ Infinite Card1.0x
United Miles
$1.00Base Rate
United℠ Explorer Card1.0x
United Miles
$1.00Base Rate
United Gateway℠ Credit Card1.0x
United Miles
$1.00Base Rate
United Quest℠ Card1.0x
United Miles
$1.00Base Rate
Citi® / AAdvantage® Executive World Elite Mastercard®1.0x
Aa Miles
$1.00Base Rate
American Airlines AAdvantage® MileUp® Mastercard®1.0x
Aa Miles
$1.00Base Rate
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®1.0x
Aa Miles
$1.00Base Rate
AT&T Points Plus® Card from Citi1.0x
Citi Thankyou Points
$1.00Base Rate
My Best Buy Visa Card1.0x
Store Credit
$1.00Base Rate
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®1.0x
Aa Miles
$1.00Base Rate
Costco Anywhere Visa® Business Card by Citi1.0x
Cash
$1.00Base Rate
Costco Anywhere Visa® Card by Citi1.0x
Cash
$1.00Base Rate
Citi Custom Cash® Card1.0x
Citi Thankyou Points
$1.00Base Rate
Citi Dividend Card1.0x
Cash
$1.00Base Rate
L.L.Bean Mastercard1.0x
Store Credit
$1.00Base Rate
Macy's American Express Card1.0x
Store Credit
$1.00Base Rate
Citi Premier Card1.0x
Thankyou Points
$1.00Base Rate
Citi Prestige Card1.0x
Thankyou Points
$1.00Base Rate
Citi Rewards+® Card1.0x
Citi Thankyou Points
$1.00Base Rate
Shop Your Way Mastercard1.0x
Store Credit
$1.00Base Rate
Citi Strata Premier℠ Card1.0x
Citi Thankyou Points
$1.00Base Rate
Citi ThankYou Preferred Card1.0x
Thankyou Points
$1.00Base Rate
Comerica Platinum Rewards Mastercard®1.0x
Points
$1.00Base Rate
Special Connections® Visa®1.0x
Cash
$1.00Base Rate
Platinum Rewards Visa®1.0x
Cash
$1.00Base Rate
Discover it® Cash Back1.0x
Cash
$1.00Base Rate
Discover it® Chrome1.0x
Cash
$1.00Base Rate
Discover it® Secured Credit Card1.0x
Cash
$1.00Base Rate
Discover it® Student Cash Back1.0x
Cash
$1.00Base Rate
Discover it® Student Chrome1.0x
Cash
$1.00Base Rate
Priority Destinations® World Elite Mastercard®1.0x
Points
$1.00Base Rate
Odyssey™ Rewards World Elite Mastercard®1.0x
Points
$1.00Base Rate
Gemini Credit Card®1.0x
Crypto
$1.00Base Rate
Apple Card1.0x
Cash
$1.00Base Rate
Huntington Voice Credit Card®1.0x
Points
$1.00Base Rate
GO REWARDS® Credit Card1.0x
Points
$1.00Base Rate
More Rewards American Express® Card1.0x
Points
$1.00Base Rate
Platinum Rewards Visa Signature® Card1.0x
Points
$1.00Base Rate
PNC Cash Rewards® Visa® Credit Card1.0x
Cash
$1.00Base Rate
Robinhood Platinum Card1.0x
Cash
$1.00Base Rate
Venmo Credit Card1.0x
Cash
$1.00Base Rate
Tomo Credit Card1.0x
Cash
$1.00Base Rate
Truist Enjoy Cash credit card1.0x
Cash
$1.00Base Rate
U.S. Bank Altitude® Connect Visa Signature® Card1.0x
Us Bank Altitude Points
$1.00Base Rate
U.S. Bank Altitude® Go Visa Signature® Card1.0x
Us Bank Altitude Points
$1.00Base Rate
U.S. Bank Altitude® Reserve Visa Infinite® Card1.0x
Us Bank Altitude Points
$1.00Base Rate
U.S. Bank Business Altitude™ Connect World Elite Mastercard®1.0x
Us Bank Altitude Points
$1.00Base Rate
U.S. Bank Business Leverage® Visa Signature® Card1.0x
Cash
$1.00Base Rate
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®1.0x
Cash
$1.00Base Rate
U.S. Bank Cash+® Visa Signature® Card1.0x
Cash
$1.00Base Rate
USAA® Cashback Rewards Plus American Express® Card1.0x
Cash
$1.00Base Rate
Wells Fargo Attune℠ Card1.0x
Cash
$1.00Base Rate
Wells Fargo Autograph℠ Card1.0x
Wells Fargo Rewards
$1.00Base Rate
Wells Fargo Autograph Journey℠ Card1.0x
Wells Fargo Rewards
$1.00Base Rate
Bilt Mastercard®1.0x
Bilt Points
$1.00Base Rate
Choice Privileges® Mastercard®1.0x
Choice Privileges
$1.00Base Rate
Choice Privileges® Select Mastercard®1.0x
Choice Privileges
$1.00Base Rate
Amazing Rewards® Visa® Credit Card1.0x
Points
$1.00Base Rate
The Blue Business Plus Credit Card from American Express1.0x
Amex Points
$0.60Base Rate
Amex Business Gold Card1.0x
Amex Points
$0.60Base Rate
Business Green Rewards Card from American Express1.0x
Amex Points
$0.60Base Rate
Amex Business Platinum Card®1.0x
Amex Points
$0.60Base Rate
Centurion Card from American Express1.0x
Amex Points
$0.60Base Rate
Amex EveryDay1.0x
Amex Points
$0.60Base Rate
Gold Rewards Card1.0x
Amex Points
$0.60Base Rate
Amex Green Card1.0x
Amex Points
$0.60Base Rate
Amex Platinum Card1.0x
Amex Points
$0.60Base Rate
How we calculate this: We join merchant transaction data (MCCs) with card reward structures to find the highest effective yield. For points programs, we use a live valuation (e.g., 1 cent per Chase point) to provide a comparable "Cash Value" metric.