Credit Cards with Subscriptions (2026)
Subscriptions perks across top credit cards, ranked by estimated value.
Top 3 Picks
All 74 Cards Compared
| # | Card | Benefit | Value | Annual Fee |
|---|---|---|---|---|
| 1 | United Club Card | Up to $240 in Instacart Credits | $120/yr | $695/yr |
| 2 | United Explorer Card | 3-Month Complimentary Instacart+ Membership | $15/yr | $150/yr |
| 3 | Citi Strata Credit Card | Points transfer | $5/yr | No fee |
| 4 | Citi Strata Elite℠ Card | Points transfer | $5/yr | $595/yr |
| 5 | United Club℠ Business Card | Complimentary Instacart+ Membership | $50/yr | $695/yr |
| 6 | Atmos Rewards Summit Visa Infinite Credit Card | Transfer points to partner loyalty programs | $5/yr | $395/yr |
| 7 | Savor Rewards for Good Credit | Capital One Travel | $5/yr | No fee |
| 8 | VentureOne Rewards for Good Credit | Capital One Travel | $5/yr | No fee |
| 9 | Delta SkyMiles Gold American Express Card | TakeOff 15 | $5/yr | $150/yr |
| 10 | Delta SkyMiles Platinum American Express Card | TakeOff 15 | $5/yr | $350/yr |
| 11 | IHG One Rewards Business Credit Card | Save 30% on reward points purchases | $5/yr | $200/yr |
| 12 | IHG One Rewards Premier Credit Card | Save 30% on reward points purchases | $5/yr | $150/yr |
| 13 | IHG One Rewards Credit Card | Save 30% on reward points purchases | $5/yr | No fee |
| 14 | JetBlue Business Card | 10% points back | $5/yr | $99/yr |
| 15 | Wyndham Rewards Earner Business Card | go free® Faster | $5/yr | $149/yr |
| 16 | Wyndham Rewards Earner Card | go free® Faster | $5/yr | No fee |
| 17 | Quicksilver Secured Rewards | Capital One Travel | Included | No fee |
| 18 | Capital Vacations® World Mastercard® | 3-night Capital Vacations Resort Stay Certificate | $250/yr | No fee |
| 19 | AllModern Mastercard | No Interest Financing up to 24 Months | $50/yr | No fee |
| 20 | Birch Lane Mastercard | No Interest Financing up to 24 Months | $50/yr | No fee |
| 21 | Athleta Encore Mastercard® | Early Access to Select Sales | $25/yr | No fee |
| 22 | Banana Republic Encore Mastercard® | Receive 25% Off First Purchase | $15/yr | No fee |
| 23 | Chase Sapphire Reserve | Sapphire Reserve Experiences & Venue Benefits | $10/yr | $795/yr |
| 24 | Wells Fargo Active Cash Card | My Wells Fargo Deals | $10/yr | No fee |
| 25 | The AARP® Essential Rewards Mastercard® | Charitable Contribution 1% | $5/yr | No fee |
| 26 | The AARP® Travel Rewards Mastercard® | Charitable Contribution 1% | $5/yr | No fee |
| 27 | The Business Platinum Card from American Express | Preferred Access | $5/yr | $895/yr |
| 28 | American Express Gold Card | American Express Preferred Access | $5/yr | $325/yr |
| 29 | Atmos Rewards Ascent Visa Signature Card | 20% back onboard | $5/yr | $95/yr |
| 30 | Atmos™ Rewards Visa Signature® Business Card | 20% back onboard | $5/yr | $95/yr |
| 31 | Bank of America® Premium Rewards® Elite | Pay with points | $5/yr | $550/yr |
| 32 | Capital One Venture X Business | Miles Transfer | $5/yr | $395/yr |
| 33 | DoorDash Rewards Mastercard® | Chase Offers | $5/yr | No fee |
| 34 | Ink Business Preferred® Credit Card | Points Transfer (1:1 to Most Partners) | $5/yr | $95/yr |
| 35 | Discover it® Secured Credit Card | Get your deposit back | $5/yr | No fee |
| 36 | Disney® Inspire Visa® Card | 10% off Select Merchandise Purchases | $5/yr | $149/yr |
| 37 | Emirates Skywards Premium World Elite Mastercard® | 25% savings | $5/yr | $499/yr |
| 38 | Emirates Skywards Rewards World Elite Mastercard® | 25% savings | $5/yr | $99/yr |
| 39 | JetBlue Premier Card | Mosaic Status Faster | $5/yr | $499/yr |
| 40 | SKYPASS Select Visa Signature® | Take off for less | $5/yr | $450/yr |
| 41 | SKYPASS Visa Signature® | Take off for less | $5/yr | $99/yr |
| 42 | L.L.Bean Mastercard | Free Monogramming | $5/yr | No fee |
| 43 | Mastercard® Black | Priceless Golf® | $5/yr | $699/yr |
| 44 | Macys American Express Card | Star Money reward | $5/yr | No fee |
| 45 | Marriott Bonvoy Bevy American Express Card | Premium Internet Access | $5/yr | $250/yr |
| 46 | Menards® BIG Card | $10 rebate | $5/yr | No fee |
| 47 | MGM Rewards Iconic World Elite Mastercard® | Free Self-Parking | $5/yr | $249/yr |
| 48 | Miles & More® World Elite Mastercard® | Low Introductory APR | $5/yr | $89/yr |
| 49 | RCI® Elite Rewards® Mastercard® | 5% Rewards back | $5/yr | No fee |
| 50 | REI Co-op® Mastercard® | Double card rewards during our annual event | $5/yr | No fee |
| 51 | Southwest Rapid Rewards Priority Credit Card | 7,500 points every year | $5/yr | $229/yr |
| 52 | TD First Class℠ Visa Signature® | Visa luxury hotel collection | $5/yr | $89/yr |
| 53 | TSC Visa Card | 12 Months Special Financing | $5/yr | No fee |
| 54 | Universal Rewards Plus Visa Signature® | 10% off discount | $5/yr | $99/yr |
| 55 | Universal Rewards Visa Signature® | 10% off discount | $5/yr | No fee |
| 56 | U.S. Bank Business Altitude™ Connect Visa Signature® | Transfer points with your personal card | $5/yr | $95/yr |
| 57 | U.S. Bank Smartly Visa Signature Card | Pay over time with a U.S. Bank ExtendPay® Plan. | $5/yr | No fee |
| 58 | Verizon Visa Card | Auto pay, auto save | $5/yr | No fee |
| 59 | Virgin Red Rewards Mastercard® | Anniversary Virgin Points boost | $5/yr | $99/yr |
| 60 | Wawa® Mastercard® | 5¢ off per gallon | $5/yr | No fee |
| 61 | FRONTIER Airlines World Mastercard | AWARD REDEMPTION FEE WAIVED | $3/yr | $99/yr |
| 62 | ANA CARD U.S.A. Plus | 10% off on ANA in-flight purchases | Included | $85/yr |
| 63 | Capital One VentureOne Rewards Credit Card | Transfer Your Miles | Included | No fee |
| 64 | Capital One Venture X Rewards Credit Card | Discounted membership to The Cultivist | Included | $395/yr |
| 65 | Discover it Student Cash Back | Free FICO Credit Score | Included | No fee |
| 66 | Gap Encore Mastercard® | Free Fast Shipping | Included | No fee |
| 67 | Korean Air SKYPASS Visa Signature Business Card | Save 5% on Korean Air | Included | $99/yr |
| 68 | MyLowe’s Rewards | Everyday Offers | Included | No fee |
| 69 | Old Navy Encore Mastercard® | Free Fast Shipping | Included | No fee |
| 70 | Target Circle Card | Target Circle Member Benefits | Included | No fee |
| 71 | U.S. Bank Altitude Go® Secured Visa® Card | ID Navigator Powered by NortonLifeLock™ | Included | No fee |
| 72 | bp rewards Visa® | No Annual Fee | Included | No fee |
| 73 | Susan G. Komen® Customized Cash Rewards | Susan G. Komen Breast Cancer Donation | $12/yr | No fee |
| 74 | American Express Business Gold Card | No Preset Spending Limit | Included | $375/yr |