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Best credit card for streaming

A few cards pay a bonus on streaming subscriptions; for the rest a flat-rate card is the next best thing. Today the top-ranked card for streaming services is the American Express Blue Cash Preferred at 6% effective value, and the best with no annual fee is the Discover It at 5%.

Rates last reviewed between August 4, 2026 and October 19, 2026. Data published October 22, 2026.

Cards with a bonus on streaming

#CardEarnsEffective valueAnnual feeDetails
1 American Express Blue Cash PreferredAmex 6% cash back 6% $95
  • 6% on select U.S. streaming subscriptions. No spend cap.
2 Chase Sapphire PreferredVisa 3x points 5.4% $95
3 Discover ItDiscover 5% cash back 5% $0
  • 5% Cash Back Rotating Categories (first $1,500 per quarter)
  • Rotating: activate each quarter
4 Chase Disney PremierVisa 5x points 5% $49
  • DisneyPlus.com, Hulu.com, or Stream.ESPN.com purchases made directly with the provider.
5 Barclays XboxMastercard 3x points 3% $0
  • Eligible streaming services (e.g. Netflix, Disney+, Spotify) and dining delivery services (e.g. Grubhub, DoorDash).
6 Capital One SavorVisa 3% cash back 3% $0
7 Comenity AAA Daily AdvantageVisa 3% cash back 3% $0
  • Gas stations and wholesale clubs share the combined $500/year cap with groceries; streaming, pharmacy, EV charging, and…
8 PenFed Credit Union Platinum RewardsVisa 3x points 3% $0
  • TV, radio, cable, and streaming services.
9 Wells Fargo AutographVisa 3x points 3% $0
  • Unlimited 3X Wells Fargo Rewards points on restaurants, travel, gas, transit, popular streaming services, and phone pla…
10 U.S. Bank Skypass BlueVisa 2x miles 2.4% $0
  • Rideshare (e.g. Uber, Lyft) and streaming subscription services (e.g. Netflix, Spotify), as classified by merchant cate…

For comparison: the best flat-rate cards

These pay the same rate on everything, so they set the bar a bonus card has to beat.

#CardEarnsEffective valueAnnual feeDetails
1 Coastal Community Bank Robinhood Gold CardVisa 3% cash back 3% $0
  • Flat rate on all purchases
2 Alliant Credit Union Alliant Visa® Signature CardVisa 2.5% cash back 2.5% $0
  • Flat rate on all purchases
3 Citi Strata EliteMastercard 1.5x points 2.4% $595
  • Flat rate on all purchases
4 Capital One Venture RewardsVisa 2x miles 2.4% $95
  • Flat rate on all purchases
5 Capital One Venture XVisa 2x miles 2.4% $395
  • Flat rate on all purchases

Effective value is the headline rate times what a point or mile is worth, before annual fees. Points and miles are valued at: Chase 1¢, Barclays 1¢, PenFed Credit Union 1¢, Wells Fargo 1¢, U.S. Bank 1.2¢, Citi 1.6¢, Capital One 1.2¢. Cash back counts at face value. Personal cards only; sign-up bonuses, statement credits and other perks are not counted.

What usually counts

  • Subscriptions to video and music streaming services.

Watch out for

  • Which services count depends on the issuer's list. Bundled subscriptions and purchases through an app store can be coded differently.

Which of your cards wins?

The best card in the world is the best card you actually own. Add your cards to PointMaxxer and see which one to use for streaming, and every other purchase, in a second. Free, no sign-up, no bank login.

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