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20 cards ranked

Best credit card to use at Spotify.

Streaming

Spotify is the largest U.S. music-streaming service. Monthly Spotify subscriptions code as streaming on every card we track. Streaming-bonus cards (Blue Cash Preferred 6%, U.S. Bank Cash+ 5% on selected categories) are the strongest pairings. The American Express Platinum offers digital-entertainment statement credits that occasionally apply to Spotify; check current terms before relying on it.

Credits & perks at Spotify

These cards include a statement credit, rebate, or complimentary membership you can use at Spotify, on top of whatever you earn on the purchase. Weigh these alongside the ranked picks below.

  • PNC Spend Wise
    PNC
    Up to $25 in annual credits for eligible Spotify, Netflix, and Disney+ purchases
    $25/yr
  1. #1
    Blue Cash Preferred
    American Express
    6% on streaming
    Select U.S. streaming subscriptions
    6%
  2. #2
    Chase Sapphire Preferred
    Chase
    3x points on streaming
    3.8%3x points
  3. #3
    AAA Daily Advantage Visa Signature
    Comenity Capital Bank
    3% on streaming
    3%
  4. #4
    Capital One Savor Cash Rewards
    Capital One
    3% on streaming
    3%
  5. #5
    Capital One Savor Student Cash Rewards
    Capital One
    3% on streaming
    3%
  6. #6
    Capital One SavorOne Cash Rewards
    Capital One
    3% on streaming
    3%
  7. #7
    Citi Strataif you select it
    Citi
    3x points on streaming if you select it as a bonus category
    3x on one eligible self-select category of your choice: Select Streaming Services (the default), Fitness Clubs, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores. Changeable once per calendar quarter.
    3.0%3x points
  8. #8
    PlayStation Visa
    Comenity Capital Bank
    3x points on streaming
    Streaming, cable, and internet subscriptions
    3.0%3x points
  9. #9
    Wells Fargo Autograph
    Wells Fargo
    3x points on streaming
    3.0%3x points
  10. #10
    Robinhood Gold
    Robinhood
    3% flat-rate cashback
    3%
  11. #11
    United Quest
    Chase
    2x points on streaming
    Select streaming services
    2.4%2x points
  12. #12
    Atmos Rewards Ascent
    Bank of America
    2x points on streaming
    2.0%2x points
  13. #13
    Samsung Galaxy Card
    Barclays
    2% on streaming
    Streaming services like Netflix, Disney+ and Spotify
    2%
  14. #14
    US Bank Altitude Connect
    U.S. Bank
    2x points on streaming
    2.0%2x points
  15. #15
    US Bank Altitude Go Visa Signature
    U.S. Bank
    2x points on streaming
    2.0%2x points
  16. #16
    Blue Business Cash from American Express
    American Express
    2% flat-rate cashback
    2%
  17. #17
    Citi Double Cash
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  18. #18
    Coinbase One
    First Electronic Bank
    2% flat-rate cashback
    Tiers of 2%, 2.5%, 3%, or 4% based on assets held on Coinbase; tiers above 2% are capped at $10,000 in eligible purchases per month, then 2%. Requires Coinbase One membership.
    2%
  19. #19
    Fidelity Rewards Visa Signature
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  20. #20
    Graphite Business Cash Unlimited
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%

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Last updated July 28, 2026

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