Whether you’re paying your utilities or groceries, ZDNet has selected these five credit cards as the best credit cards that can help make paying your bills a rewarding experience. To round out your search, check out our expert picks for the best rewards credit cards and the best credit cards for online shopping! Citi offers two types of cash back on your purchases, awarding you with unlimited 1% cashback when you make your purchase and another 1% when you pay it off. Rewards are distributed in the form of ThankYou points. There are no annual fees, no caps, and no category restrictions to give you far greater freedom in your purchase decisions. When it comes time to pay, you also have the opportunity to opt for the Buy Now, Pay Later introductory offer, which uses Plan It by American Express to split payments into monthly installments. When you choose this option, there is a lower APR on your purchases for the first 12 months. Regardless, this card comes with a 0% introductory APR on your purchases within the first year, then a variable rate of 18.24% - 29.24%. However, in typical Amex fashion, an annual fee costs $95 per year ($0 intro annual fee for the first year). This includes categories like gas, groceries, and online merchants. You also receive 5% cashback when you purchase travel through Chase. There is also 3% on dining, takeout, and drugstores, with 1% on all other purchases. To make the card more attractive, be rewarded with a 0% intro APR lasting your first 15 months on both purchases and balance transfers, then a variable APR 18.74% - 27.49% thereafter. There are also no annual fees to boost your rewards, plus no minimums when redeeming your rewards. That is worth $1,000 in cash back. If you choose to redeem your rewards through Chase Ultimate Rewards®, that can be up to $1,250 in travel. From there, the regular rewards schedule begins with 3x the points on shipping and other rotating business categories, such as advertising, phone and Internet, and even travel. Other purchases earn you one point per dollar with no expiration as long as the account remains open. You also receive 5% cash back when you prepay your air, hotel, or car reservations in the Rewards Travel Center. From there, there is 2% cashback on an everyday category, such as gas, groceries, or dining. All other purchases earn 1% cashback. There is no annual fee, plus you get a 0% intro APR on both your purchases and balance transfers, lasting the first 15 billing cycles, then a variable APR of 18.74% to 28.74%.
APR: The annual percentage rate, or APR, is the amount of interest you will pay based on your purchases. The lower the APR, the better. Rewards: Whether it is cash back or statement credits, there are many rewards you can earn when you make specific purchases within specific categories. Fees: It is important to consider what kind of fees you will pay for each credit card, whether it is annual, foreign transaction, or balance transfer fees.
We also give consideration to the credit score recommended for each card, focusing on those that are attainable for a wide group of consumers.
Bank of America Customized Cash Rewards credit card:Your choice of rewardsDiscover it Secured: Best for bad creditChase Freedom Unlimited: Skip the annual fee
