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Bills & Utilities

Best Bills & Utilities credit cards in Canada

Bills and utilities credit cards in Canada earn a stated reward on utility, phone, internet or other recurring bill payments.

*a card is filed here when the issuer's own page says, in a sentence about this card, that utility or recurring bill payments earn a stated rate. A menu link, a footnote or a line about another card does not count. A card that surcharges or excludes bill payments, an introductory or time-limited rate, and a list of everyday spends that all earn the base rate never file a card here. We keep each quote and its source on the card's record and re-read the source every week. When the line is gone, a card filed on it leaves this list; a source we cannot re-read stops counting after 60 days (a CFPB survey, 14 months after the period it reports).

10
Bills & Utilities cards filed
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The ledger

All Bills & Utilities cards in Canada

10 cards
Meridian Credit Union№ 1

Meridian Visa Cash Back

Visa card issued by Meridian Credit Union.

Bills & UtilitiesCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Meridian Credit Union№ 2

Meridian Visa Infinite Cash Back

Visa card issued by Meridian Credit Union.

Bills & UtilitiesCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Meridian Credit Union№ 3

Meridian Visa Platinum Cash Back

Visa card issued by Meridian Credit Union.

Bills & UtilitiesCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
National Bank of Canada№ 4

mycredit Mastercard

Mastercard issued by National Bank of Canada.

Bills & UtilitiesCash Back
Annual feeC$0per year
Top earn rate1%Dining
National Bank of Canada№ 5

National Bank Platinum Mastercard

Up to 35,000 reward points upon enrollment, and a refund of the annual fee for the first year for the primary cardholder of a National Bank® Platinum Mastercard®.

Bills & UtilitiesDining
Annual feeNot confirmed
Top earn rateNot confirmed
National Bank of Canada№ 6

National Bank World Elite Mastercard

Mastercard issued by National Bank of Canada.

Bills & UtilitiesDining
Annual feeNot confirmed
Top earn rateNot confirmed
TD Bank Group№ 8

TD Cash Back Visa Card

Visa card issued by TD Bank Group.

Bills & UtilitiesCash Back
Annual feeC$0per year
Top earn rateNot confirmed
TD Bank Group№ 9

TD Cash Back Visa Infinite Card

Visa card issued by TD Bank Group.

Bills & UtilitiesCash Back
Annual feeC$139per year
Top earn rateNot confirmed
Questions

Frequently asked

What is the best bills & utilities credit card in Canada?

The best bills & utilities card in Canada depends on your spending and goals. We list every bills & utilities card we hold — 10 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

How do I choose a bills & utilities credit card?

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Can I combine a bills & utilities card with other cards?

Yes. Many people pair a bills & utilities card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.

How do I know these bills & utilities card details are current?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.