Best Credit Card for Spotify in 2026

Other Options to Consider

Capital One Savor Cash Rewards Credit Card

[[ SINGLE_CARD * {"id": "3041", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "No Annual Fee Streaming", "headerHint": "3% on Popular Streaming"} ]]

The Capital One Savor Cash Rewards Credit Card has no annual fee and earns 3% cash back on popular streaming services, plus 3% on dining, entertainment and at grocery stores (excluding superstores like Walmart® and Target®). Capital One describes eligible streaming as music and video services and gives Netflix, Hulu and Disney+ as examples, so confirm that your Spotify charge earns the 3% rate after your first statement. Cash back doesn't expire for the life of the account (Rates & Fees).

Citi Double Cash® Card

[[ SINGLE_CARD * {"id": "580", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Simple Flat-Rate Rewards", "headerHint": "2% on Every Purchase"} ]]

If you don't want to track categories, the Citi Double Cash® Card earns 2% on every purchase: 1% when you buy and another 1% as you pay for those purchases. It has no annual fee, and your Spotify bill earns the same rate as everything else.

How to Choose a Credit Card for Spotify

A Spotify subscription is a small, steady charge, so the card you pick should also fit the rest of your spending. A card that pays well on streaming but poorly on groceries or dining may not be the best overall choice.

Key Factors

• Streaming category: Check that the issuer names Spotify as an eligible merchant. Amex and Chase both publish their lists.
• Annual fee: Compare the fee with the rewards you expect from all of your spending, not just Spotify.
• Welcome offer: Make sure you can meet the spending requirement with purchases you already planned.
• Other categories: Groceries, dining and gas usually matter more than one subscription.
• Interest and fees: Carrying a balance costs far more than any streaming rewards you earn.

What to Watch Out For

A card that advertises streaming rewards doesn't automatically cover Spotify. How you pay matters too: if Spotify is billed through an app store or bundled with a phone plan, the charge may code to that company instead of Spotify.

Quick Decision Guide

• Highest cash back on streaming: The Blue Cash Preferred® Card from American Express pays 6% on select U.S. streaming subscriptions.
• Travel points: The Chase Sapphire Preferred® Card earns 3x on select streaming services, with points you can transfer to travel partners.
• No annual fee with a streaming category: The Capital One Savor Cash Rewards Credit Card earns 3% on popular streaming services.
• Simplicity: The Citi Double Cash® Card earns 2% on everything.

How to Maximize Rewards on Spotify

• Pay Spotify directly: Billing through Spotify instead of an app store or carrier bundle gives the charge the best chance of earning your card's streaming rate.
• Check card-linked offers: Amex Offers and Chase Offers sometimes include streaming deals. They're targeted and must be added before you pay.
• Review your statement: After the first charge, confirm it earned the bonus rate. If it didn't, call the issuer or switch cards.
• Cut overlapping subscriptions: Rewards on a service you don't use are still money spent.

Let Kudos Pick the Card

Kudos shows which of your cards earns the most for a purchase. With Kudos Premium, it also auto-activates eligible card-linked offers and tracks the benefits on each card, and subscription tracking shows your subscriptions in one place so you can spot overlapping streaming services and cancel the ones you don't use with one tap. Get started with Kudos.

Other Things to Consider

Streaming is one category among many. If most of your spending goes to groceries, dining or travel, choose the card that rewards those first and treat Spotify as a bonus.

Whatever card you use, pay the balance in full each month. Interest charges quickly outweigh a few dollars of streaming rewards. For more ideas, see our guide to maximizing credit card rewards on subscription services.

Our Methodology

We evaluate nearly 3,000 credit cards across the U.S. market, far more than the roughly 150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to give you a broad, unbiased view of the market so you can make confident decisions.

Our editorial team checks card terms against issuer sources. You can also browse the full dataset in the Kudos card explorer, which includes thousands of cards, more than 95% of which do not pay us commissions.

Frequently Asked Questions

Does Spotify count as a streaming purchase for credit card rewards?

With many issuers, yes. American Express includes Spotify on its list of select U.S. streaming subscriptions, and Chase lists Spotify among its top streaming services. Other issuers may not name it, so check the card's terms.

Can I get a statement credit for Spotify?

Some cards offer streaming credits, but they're usually tied to specific services. For example, the Blue Cash Preferred monthly credit applies to Disney+, Hulu and ESPN purchases, not Spotify. Bonus cash back or points on streaming is the more common way to save on Spotify.

Will I earn bonus rewards if I pay for Spotify through Apple or Google?

Probably not at the streaming rate. Charges billed by an app store or bundled with another service may code to that company, and Amex says such purchases may not be eligible.

Do streaming rewards ever change?

Yes. Issuers can update their eligible merchant lists and reward rates, so review your card's terms periodically.

^{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}