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Ranked by effective value on streaming spending. Effective rate accounts for the real-world value of each point or mile.
Streaming subscriptions add up fast across Netflix, Spotify, Disney+, and others. The best credit cards for streaming earn 3x to 6x points on these services, turning a routine expense into meaningful rewards. We rank by the effective return on subscription spending.
Citi
Automatically applied to your highest eligible spend category each billing cycle. Eligible categories: restaurants, gas, groceries, travel, transit, streaming, drugstores, home improvement, fitness, entertainment
Highest effective return in this category
Bilt
Choose dining or grocery at account opening; selection is annual. Grocery capped at $25,000/year. Dining has no stated cap.
Effective value is calculated using our standardized cents-per-point values. Multiplier cards are valued at their points currency's transfer partner potential. Rankings reflect standard rates only — portal bonuses and rotating categories are excluded. View all cards →
Find the best card for every type of spending.
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Bilt
Points Accelerator: costs $200 Bilt Cash to activate; up to 5 activations per year; expires when $5,000 cap hit or end of year
Chase
Bilt
Bilt Cash earning mode (alternative to points; mutually exclusive with points earning per transaction)