Card Optimizer

Best credit card for Spotify

We ranked all 106 cards in Card Optimizer's catalog for a $100 purchase at Spotify on October 19, 2026, by the dollar value of what each earns.

See which of your cards wins at Spotify

Top cards at Spotify

Spotify counts as streaming unless a card has a bonus for the store itself.

  1. American Express Blue Cash Preferred

    Top pick6% back · $95 annual fee

    $6.00 on $100

    • 6% cash back on streaming.

  2. U.S. Bank Cash+ Visa Signature

    5% back · $0 annual fee

    $5.00 on $100

    • 5% cash back on streaming.
    • A category you picked for this card.
    • Counted with TV, internet and streaming picked as its 5% category.
    • The bonus rate covers up to $2,000 of spend a quarter.

  3. Chase Sapphire Preferred

    4.5% back · $95 annual fee

    $4.50 on $100

    • 3x points on streaming.
    • 300 Chase Ultimate Rewards points valued at 1.5¢ each.

  4. Citi Strata

    4.2% back · $0 annual fee

    $4.20 on $100

    • 3x points on streaming.
    • 300 Citi ThankYou points valued at 1.4¢ each.

  5. American Express Blue Business Plus

    3% back · $0 annual fee

    $3.00 on $100

    • 2x points base rate.
    • 200 Amex Membership Rewards points valued at 1.5¢ each.

  6. Capital One Savor

    3% back · $0 annual fee

    $3.00 on $100

    • 3% cash back on streaming.

  7. Robinhood Gold Card

    3% back · $0 annual fee

    $3.00 on $100

    • 3% cash back base rate.

  8. Wells Fargo Autograph

    3% back · $0 annual fee

    $3.00 on $100

    • 3x points on streaming.
    • 300 Wells Fargo Rewards points valued at 1¢ each.

  9. Bilt Palladium

    3% back · $495 annual fee

    $3.00 on $100

    • 2x points base rate.
    • 200 Bilt points valued at 1.5¢ each.

  10. Bank of America Customized Cash Rewards

    3% back · $0 annual fee

    $3.00 on $100

    • 3% cash back on streaming.
    • A category you picked for this card.
    • Counted with Online shopping picked as its 3% category.
    • The bonus rate covers up to $2,500 of spend a quarter.