Best card for streaming, honestly
No invented "average spender": where the best card for streaming actually changes as your spending grows — caps, annual fees, and earning rates measured against a flat 2% cash-back baseline, counting only cards you can get today.
What counts as streaming: Streaming subscriptions — Netflix, Spotify, Disney+ and the like. Each issuer keeps its own list of eligible services.
Who wins, by annual streaming spend
Every card that beats a flat 2% card on streaming
- AAA Daily Advantage Visa Signature — 3% cash back, uncapped, no annual fee; wins $0–$3,167/yr
- Bank of America Customized Cash Rewards — 3% cash back, capped at $10,000/yr, no annual fee; wins $0–$3,167/yr
- Capital One Savor Cash Rewards — 3% cash back, uncapped, no annual fee; wins $0–$3,167/yr
- Venmo Credit Card — 3% cash back, uncapped, no annual fee; wins $0–$3,167/yr
- Wells Fargo Autograph Card — 3x points (≈3.00¢/$ at the card's default value), uncapped, no annual fee; wins $0–$3,167/yr
- Blue Cash Preferred Card from American Express — 6% cash back, uncapped, $95/yr fee; beats 2% above $2,375/yr of streaming; wins over $3,167/yr
- Capital One SavorOne Cash Rewards — 3% cash back, uncapped, $39/yr fee; beats 2% above $3,900/yr of streaming
- Chase Sapphire Preferred — 3x points (≈3.75¢/$ at the card's default value), uncapped, $95/yr fee; beats 2% above $5,429/yr of streaming
Rates only — statement credits and perks are deliberately not counted here. They depend on how you'd actually use them, and each card's page asks those questions before adding a cent.
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