Card Optimizer

Best credit card for FPL

We ranked all 106 cards in Card Optimizer's catalog for a $100 purchase at FPL on October 19, 2026, by the dollar value of what each earns.

See which of your cards wins at FPL

Top cards at FPL

FPL counts as utilities unless a card has a bonus for the store itself.

  1. Discover it Cash Back

    Top pick5% back · $0 annual fee

    $5.00 on $100

    • 5% cash back on utilities.
    • Rotating bonus active 2026-10-01 to 2026-12-31.
    • Bonus must be activated with the issuer to earn this rate.
    • The bonus rate covers up to $1,500 of spend a quarter.

  2. U.S. Bank Cash+ Visa Signature

    5% back · $0 annual fee

    $5.00 on $100

    • 5% cash back on utilities.
    • A category you picked for this card.
    • Counted with Home utilities picked as its 5% category.
    • The bonus rate covers up to $2,000 of spend a quarter.

  3. American Express Blue Business Plus

    3% back · $0 annual fee

    $3.00 on $100

    • 2x points base rate.
    • 200 Amex Membership Rewards points valued at 1.5¢ each.

  4. Robinhood Gold Card

    3% back · $0 annual fee

    $3.00 on $100

    • 3% cash back base rate.

  5. Bilt Palladium

    3% back · $495 annual fee

    $3.00 on $100

    • 2x points base rate.
    • 200 Bilt points valued at 1.5¢ each.

  6. Citi Double Cash

    2.8% back · $0 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Citi ThankYou points valued at 1.4¢ each.

  7. Capital One Venture Business

    2.8% back · $95 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.

  8. Capital One Venture Rewards

    2.8% back · $95 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.

  9. Capital One Venture X Business

    2.8% back · $395 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.

  10. Capital One Venture X Rewards

    2.8% back · $395 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.