The best credit card for streaming services
On streaming bills, American Express Blue Cash Preferred earns the most: $6.00 per $100, $0.00 more than the next card.
Rate × what the points are worth, so points and cash back compare in dollars. Counts as: Netflix, Spotify, Hulu, Disney+.
The short version
- Earns the most: American Express Blue Cash Preferred, $6.00 per $100, with a $95 annual fee.
- Best with no annual fee: Wells Fargo Autograph, $4.50 per $100.
- Is the fee worth it? Only if you spend over $6,400 a year on streaming services, counting this category alone. Below that, the free card wins.
| # | Card | EarnsThe rate the card advertises here, in its own currency: cash back, points or miles. | Point valueWhat one point or mile in this currency is worth, in cents: the median of the published valuations we read. Every ranking multiplies by it. | Per $100What $100 of spending earns, in dollars: the rate multiplied by what the currency is worth. This is what the table is ranked by. |
|---|---|---|---|---|
| 1 |
Blue Cash Preferred
American Express, $95/yr
Select US streaming services
|
6% | 1.00¢ / pt | $6.00 |
| 2 |
Sapphire Preferred
Chase, $95/yr
|
3x | 2.00¢ / pt | $6.00 |
| 3 |
Autograph
Wells Fargo, No annual fee
|
3x | 1.50¢ / pt | $4.50 |
| 4 |
Blue Business Plus
American Express, No annual fee
2x on every purchase, with no bonus categories to track. Up to $50,000 per year, then the base rate
|
2x | 2.00¢ / pt | $4.00 |
| 5 |
Venture Rewards
Capital One, $95/yr
Base rate — no bonus category applies here
|
2x | 1.80¢ / pt | $3.60 |
| 6 |
Venture X
Capital One, $395/yr
Base rate — no bonus category applies here
|
2x | 1.80¢ / pt | $3.60 |
| 7 |
Atmos Rewards Ascent Visa Signature
Bank of America, $95/yr
|
2x | 1.55¢ / pt | $3.10 |
| 8 |
Savor
Capital One, No annual fee
Groceries exclude superstores like Walmart and Target
|
3% | 1.00¢ / pt | $3.00 |
Cards that pay more only some of the year
Freedom and Freedom Flex and Discover it Cash Back pay a bonus on streaming services only in quarters the issuer picks it, and only after you activate it. Not ranked above, since you may not have that rate this quarter.
Cards that pay more here with a condition attached
Not ranked above because each needs a chosen category or a specific store. If that fits how you shop, these can beat the table.
- Custom Cash (Citi) — 5x if you choose Streaming as your category; Up to $500 per billing cycle, then the base rate.
- Cash+ Visa Signature (U.S. Bank) — 5% if you choose Streaming as one of your categories; Up to $2,000 per quarter, then the base rate.
- Strata (Citi) — 3x if you choose Streaming as your category.
How to use this list
- Check the store codes as streaming services. Issuers pay by how the store is registered, not by what you bought. This page counts: Netflix, Spotify, Hulu, Disney+.
- Start with cards you have. Your highest one in the table is your card for streaming bills today.
- Read the notes under each card. A cap or "US only" can change the answer.
- Then consider a new card, judged on your whole year of spending.
Why dollars and not multipliers
A multiplier means nothing until you know what a point is worth. Every rate here is converted at a published valuation first, which is why the order can differ from the advertised multipliers.
Point values: published industry valuations, most recently read 2026-09. We track The Points Guy, Upgraded Points, NerdWallet, Frequent Miler and AwardWallet.