You don't get penalized for high utilization...not really. As long as you aren't overspending on the card to the point you can't pay it off whenever you are absolutely fine. You could 90% utilize your card for years and then decide that next month you are going to get a car loan and so you pay your car off in full and your score will be just as high as had you kept your utilization low all that time. Negative impacts on credit score from utilization are ephemeral and go away as soon as you pay down the card...they don't last.

People freak out about utilization and it really does not matter. Honestly...don't worry about it at all.