There may be 5X cards for the rest. However, it’s unlikely that we all have cards that are 5X on Gas & Grocery. Even if we do, it’s even more unlikely that we have cards that are unlimited on those. Therefore, Gas & Grocery are always welcome 5X categories, IMO.
The US Bank Cash+ card can be used to get 5% back on utilities as one of two 5% categories, and those categories generally don’t change from one quarter to the next. I’ve been getting 5% back on utilities on that US Bank Cash+ card for years now, every quarter.
Thanks this is helpful. I think discover is probably a bit more superior given you can redeem for extra bump when redeeming with giftcards. Hopefully with merger with CO there will be more flexible option to redeem with partners eventually.
Do you know if there are similar business cards that has 5% categories like this? I don’t think these cards would be good for 5/24 purposes but if its business card I might be interested!
No credit or Chex pull for a debit card. On top of the 5% cashback on utility, they offer good offers like 10% back on utility, etc. from time to time. Mitch
mark (@guest_2071579)
June 3, 2025 12:21
#2071579
I wonder what percentage of utility companies actually accept Disocver, promotion might just make a lot of people realize that they cannot use their Discover to pay their utilities.
randomguy (@guest_2071294)
June 2, 2025 20:52
#2071294
Too bad Costco doesnt take Discover, otherwise I could have used the 5% on Gas 🙁 Will have to prepay utilities I suppose 🙁
Some utility companies require documents to change the name on the account, but usually they will let you change the autopay info online. Even if you can’t /don’t want to change the autopay, you can make manual payments with the Discover card during the months of July-Sept before the autopay date. When your account balance is zero, the autopay doesn’t kick in. At least that’s how it works with my utility companies.
Except over here getting 10% due to churning. Though that Cash+ card does have a higher cap. Here one the unities don’t allow for auto-pay with credit cards and it is a flat rate of a three dollars, though the payment for paying limits you to $1,000 though I would be hesitant to overpay / pre-pay by much more anyway. H.P. also replied a good idea of using guest pay to pre-pay before auto-pay kicks in.
Jayson (@guest_2070973)
June 2, 2025 09:30
#2070973
More useful if my utilities companies took discover, which not.
Lets hope that Chase Freedom Flex do not overlap on the Gas Category
what a crappy offering!
hope this is unrelated to the takeover by Crap1
IMO, the only category better than Gas is Grocery so we’ll have to agree to disagree.
Nope. Its PayPal for me. Almost there is 5x card for all the rest
There may be 5X cards for the rest. However, it’s unlikely that we all have cards that are 5X on Gas & Grocery. Even if we do, it’s even more unlikely that we have cards that are unlimited on those. Therefore, Gas & Grocery are always welcome 5X categories, IMO.
utilities? that’s amazing. there are no other cards that gives bonus percentage for utility that I am aware of.
The US Bank Cash+ card can be used to get 5% back on utilities as one of two 5% categories, and those categories generally don’t change from one quarter to the next. I’ve been getting 5% back on utilities on that US Bank Cash+ card for years now, every quarter.
Thanks this is helpful. I think discover is probably a bit more superior given you can redeem for extra bump when redeeming with giftcards. Hopefully with merger with CO there will be more flexible option to redeem with partners eventually.
Do you know if there are similar business cards that has 5% categories like this? I don’t think these cards would be good for 5/24 purposes but if its business card I might be interested!
(Update) FutureCard Climate-Friendly Visa Debit Card Offers 5% Back On Select Public Transport, EV Charging & More – Doctor Of Credit
No credit or Chex pull for a debit card. On top of the 5% cashback on utility, they offer good offers like 10% back on utility, etc. from time to time.
Mitch
I wonder what percentage of utility companies actually accept Disocver, promotion might just make a lot of people realize that they cannot use their Discover to pay their utilities.
Too bad Costco doesnt take Discover, otherwise I could have used the 5% on Gas 🙁 Will have to prepay utilities I suppose 🙁
Sam’s Club Gas station codes as gas for discover. Costco gas will not even if you could since it codes as wholesale.
Are you sure? I’ve used my Freedom Visa at Costco gas stations during Chase’s gas category.
Am I the only one that has a case of deja vu? 😉
Is doing a product transfer allowed now?
If you want 5% on utilities just get a Cash+. IME changing autopay for utility providers is a headache.
Some utility companies require documents to change the name on the account, but usually they will let you change the autopay info online. Even if you can’t /don’t want to change the autopay, you can make manual payments with the Discover card during the months of July-Sept before the autopay date. When your account balance is zero, the autopay doesn’t kick in. At least that’s how it works with my utility companies.
Except over here getting 10% due to churning. Though that Cash+ card does have a higher cap. Here one the unities don’t allow for auto-pay with credit cards and it is a flat rate of a three dollars, though the payment for paying limits you to $1,000 though I would be hesitant to overpay / pre-pay by much more anyway. H.P. also replied a good idea of using guest pay to pre-pay before auto-pay kicks in.
More useful if my utilities companies took discover, which not.
Lets hope that Chase Freedom Flex do not overlap on the Gas Category
Thanks for the reminder !
Nice, looks like I’ll be maxing out this quarter.
More useful if my utility company took discover.