CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
Mastercard network cards with the best utilities earn rates.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Citi
All 10 cards ranked by effective value per dollar.
| Card | Utilities Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.3¢/$ | $595 | $762.50 | mastercard |
| Capital One VentureOne Rewards Credit CardCapital One | 1.25x Venture Miles | 2.3¢/$ | $0 | — | mastercard |
| Bilt Obsidian CardCardless | 1x Bilt Rewards | 2.0¢/$ | $95 | — | mastercard |
| Synchrony Premier MastercardSynchrony | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Mastercard network cards with the best utilities earn rates.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Citi
All 10 cards ranked by effective value per dollar.
| Card | Utilities Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.3¢/$ | $595 | $762.50 | mastercard |
| Capital One VentureOne Rewards Credit CardCapital One | 1.25x Venture Miles | 2.3¢/$ | $0 | — | mastercard |
| Bilt Obsidian CardCardless | 1x Bilt Rewards | 2.0¢/$ | $95 | — | mastercard |
| Synchrony Premier MastercardSynchrony | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Mastercard network cards with the best utilities earn rates.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Citi
All 10 cards ranked by effective value per dollar.
| Card | Utilities Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.3¢/$ | $595 | $762.50 | mastercard |
| Capital One VentureOne Rewards Credit CardCapital One | 1.25x Venture Miles | 2.3¢/$ | $0 | — | mastercard |
| Bilt Obsidian CardCardless | 1x Bilt Rewards | 2.0¢/$ | $95 | — | mastercard |
| Synchrony Premier MastercardSynchrony | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Capital One
Cardless
| One Key+ CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| SoFi Credit CardSofi | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Citi Double Cash CardCiti | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Jasper Cash Back MastercardWebbank | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Bilt Blue CardCardless | 1x Bilt Rewards | 2.0¢/$ | $0 | — | mastercard |
| Choice Privileges Select MastercardWells Fargo | 5x Choice Privileges | 1.8¢/$ | $95 | $15 | mastercard |
Capital One
Cardless
| One Key+ CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| SoFi Credit CardSofi | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Citi Double Cash CardCiti | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Jasper Cash Back MastercardWebbank | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Bilt Blue CardCardless | 1x Bilt Rewards | 2.0¢/$ | $0 | — | mastercard |
| Choice Privileges Select MastercardWells Fargo | 5x Choice Privileges | 1.8¢/$ | $95 | $15 | mastercard |
Capital One
Cardless
| One Key+ CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| SoFi Credit CardSofi | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Citi Double Cash CardCiti | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Jasper Cash Back MastercardWebbank | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Bilt Blue CardCardless | 1x Bilt Rewards | 2.0¢/$ | $0 | — | mastercard |
| Choice Privileges Select MastercardWells Fargo | 5x Choice Privileges | 1.8¢/$ | $95 | $15 | mastercard |