Best cards for streaming
Blue Cash Preferred Card from American Express leads with 6%.
Rankings use issuer rates verified as of August 16, 2026.
Streaming services (Netflix, Spotify, Hulu, Disney+).
#16%6%Blue Cash Preferred Card from American Express
American Express · Amex · $95/yr
#25%5%BMO Cash Back Credit Card
Bmo · Mastercard · No annual fee
#35%5%Max Cash Preferred Card
Elan Financial Services · Visa · No annual fee · Choose this category · up to $2,000/qtr (combined)
#45%5%U.S. Bank Cash+ Visa Signature Card
U.S. Bank · Visa · No annual fee · Choose this category · up to $2,000/qtr (combined)
#53%3%AAA Daily Advantage Visa Signature Card
Bread Financial · Visa · No annual fee
#63%3%Capital One Savor Cash Rewards (formerly SavorOne)
Capital One · Mastercard · No annual fee
#73x3xWells Fargo Autograph Card
Wells Fargo · Visa · No annual fee
#83x3xChase Sapphire Preferred
Chase · Visa · $95/yr
#92x2xAtmos Rewards Ascent Visa Signature
Bank of America · Visa · $95/yr
#103x3xPenFed Platinum Rewards Visa Signature Card
Penfed · Visa · No annual fee
#112x2xUnited Quest Card
Chase · Visa · $350/yr
#122x2xU.S. Bank Altitude Connect Visa Signature Card
U.S. Bank · Visa · No annual fee
How to choose
Blue Cash Preferred Card from American Express tops this ranking at 6% on streaming, twice what the next three cards pay. That lead comes with a $95 annual fee, while Capital One Savor Cash Rewards and Wells Fargo Autograph earn an equivalent 3% with no fee at all. Read the table as a fee question: the leader doubles your rate, but only pays for itself if your subscription budget is genuinely large.
The first five rows carry no caveats, but two things are easy to miss. The rate column mixes cash and points: Chase Sapphire Preferred's 3x converts to roughly 3% in cash terms, while the 2x from Atmos Rewards Ascent Visa Signature is worth closer to 2.6% under conservative valuations. And Apple Card's 2% comes with a condition: you have to pay through the mobile wallet.
Streaming is usually a modest monthly bill, so the dollar gap between a 6% card and a 3% card stays small over a year. If you want one less thing to manage, a no-annual-fee earner like Capital One Savor Cash Rewards or Wells Fargo Autograph captures most of the value, and even the 2% earners lower in the table leave only a small gap on a bill this size.
The math
On $80 a month of streaming, Blue Cash Preferred Card from American Express returns about $58 a year at our valuations — a flat 2% card returns $19.
Common questions
- What is the best credit card for streaming?
- Blue Cash Preferred Card from American Express leads with 6%.
- How does SwipeCaddy pick the best streaming card?
- We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and surface the fine print so the "best" rate is one you can actually get.
- Do streaming credit cards cap how much you can earn?
- Rarely in this ranking. The consumer cards at the top, including Blue Cash Preferred and Capital One Savor Cash Rewards, show no streaming caps in our data. The caps sit on the American Express business cards, which limit their 2% and 2x rates to $50,000 per year in purchases. Streaming alone will not get a household anywhere near that, so caps should not drive your choice here.
- Is a no-annual-fee card enough for streaming services?
- For most subscribers, yes. Capital One Savor Cash Rewards pays 3% and Wells Fargo Autograph earns 3x on streaming, both with no annual fee. The only higher rate in this ranking is the 6% on Blue Cash Preferred, which comes with a $95 annual fee. Start with a no-fee 3% card and step up only if your subscription spending clearly justifies the fee.
Rankings reflect published earn rates and a conservative valuation of each rewards currency. SwipeCaddy earns no affiliate commission.