Guide
Best credit card for streaming services (2026)
Netflix, Spotify, and Disney+ typically code as general merchandise or entertainment — not bonus categories. Citi Double Cash and Wells Fargo Active Cash at 2% are the simple winners unless you have a card with a streaming credit.
Quick comparison
| Card | Best for | Earn rate | Annual fee |
|---|---|---|---|
| Citi Double Cash | All subscriptions | 2% cash back | $0 |
| Wells Fargo Active Cash | All subscriptions | 2% cash back | $0 |
| Amex Platinum | Streaming credits | Credits + 1× | $695 |
Why most people pick the wrong card
Most people default to the same card at checkout — usually the one on top in their wallet. That habit quietly costs hundreds of dollars a year when another card in your stack earns 3×, 4×, or even 6× on the same purchase.
How Pikt routes smarter than guesswork
Pikt links the cards you already carry, weighs your offers and category earn rates, and tells you the best card to use — with a plain-English explanation and dollar estimate for every purchase. Online, the Pikt Checkout extension auto-fills that card at checkout; in-store, Pikt Nearby names it on your lock screen. Pikt treats recurring subscriptions as general spend unless your issuer runs a targeted offer.
Frequently asked questions
- Do any cards offer streaming bonuses?
- A few cards include streaming credits as a perk, but base earn is usually 1×. Compare credit value against a flat 2% card.
$89 at Amazon → Active Cash earns $1.78 (+$0.89 vs default card)
See your personal best cards
Generic advice assumes average spend. Your wallet is different. Take Pikt's 60-second quiz — pick your top spending areas and whether you prefer cash back, travel points, or simplicity.
Where does your money go?
Pick your top spending areas and we'll show you which cards earn the most for each.
What matters most to you?
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