The 5 best credit cards to pay bills in 2022

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

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

Pros:

• Welcome bonus
• No annual fee
• Generous rewards

Cons:

• Reward limits apply
• Balance transfer and foreign transaction fees