Ranked by reward rate · 2026
Best cards for utilities
We compared 7 cards that earn a bonus on utilities. IKEA Visa Credit Card leads cash back at 3%. Best on points: Bread Rewards American Express Credit Card at 3×. In the app, mWizard checks these against your wallet and surfaces the single best one — no bank login.
Cash back (%) and points (×) are ranked separately — point values vary by program, so they aren't directly comparable. Rates may carry caps, rotating quarters or activation; tap any card for the full breakdown.
Don't memorize this list.
mWizard keeps the best utilities card one tap away — and does it for every category you spend in.
