CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
Ranked by effective value per dollar at Spotify — including welcome offer math, redemption value, and annual fee.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Blue Cash Preferred Card from American Express earns the top spot for Spotify purchases at 6.0¢ per dollar — a $95 annual fee, factoring in welcome offers and ongoing rewards. We ranked every card in our database against Spotify purchases using the same scoring engine that powers our search. The list below orders cards by net value to you, not by what pays the biggest affiliate commission. Cards 4–10 are still solid picks; they just trade off some of the headline value for fewer fees, broader networks, or simpler redemptions.
Amex
Ranked by effective value per dollar at Spotify — including welcome offer math, redemption value, and annual fee.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Blue Cash Preferred Card from American Express earns the top spot for Spotify purchases at 6.0¢ per dollar — a $95 annual fee, factoring in welcome offers and ongoing rewards. We ranked every card in our database against Spotify purchases using the same scoring engine that powers our search. The list below orders cards by net value to you, not by what pays the biggest affiliate commission. Cards 4–10 are still solid picks; they just trade off some of the headline value for fewer fees, broader networks, or simpler redemptions.
Amex
Ranked by effective value per dollar at Spotify — including welcome offer math, redemption value, and annual fee.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Blue Cash Preferred Card from American Express earns the top spot for Spotify purchases at 6.0¢ per dollar — a $95 annual fee, factoring in welcome offers and ongoing rewards. We ranked every card in our database against Spotify purchases using the same scoring engine that powers our search. The list below orders cards by net value to you, not by what pays the biggest affiliate commission. Cards 4–10 are still solid picks; they just trade off some of the headline value for fewer fees, broader networks, or simpler redemptions.
Amex
Chase
Webbank
Blue Cash Preferred Card from American Express earns 6.0¢ per dollar at Spotify, the highest in our database. The $95 annual fee pays for itself once you're spending at least the equivalent each year. It's the right pick if you want maximum value on this category and don't mind paying for a premium card.
All 10 cards ranked by effective value per dollar.
| Card | Streaming Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Blue Cash Preferred Card from American ExpressAmex | 6% cash back | 6.0¢/$ | $95 | $156 | amex |
| Chase Sapphire Preferred CardChase | 3x Ultimate Rewards | 5.4¢/$ | $95 | $129 | visa |
| Jasper Cash Back MastercardWebbank | 5x Cashback | 5.0¢/$ | $0 | — | mastercard |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.5¢/$ | $0 | $8 | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.5¢/$ | $0 | $162.50 | mastercard |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.5¢/$ | $95 | $33 | visa |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| U.S. Bank Cash+® Visa Signature® CardUsbank | 5% cash back | 5.0¢/$ | $0 | — | visa |
| NHL® Discover It®Discover | 5x points | 5.0¢/$ | $0 | — | discover |
| SavorOne RewardsCapital One | 3x points | 3.0¢/$ | $39 | — | mastercard |
Other brands in Streaming where the top picks above also earn well.
Want to filter by spend amount, network, or fee preference?
Open in full search with filters →Chase
Webbank
Blue Cash Preferred Card from American Express earns 6.0¢ per dollar at Spotify, the highest in our database. The $95 annual fee pays for itself once you're spending at least the equivalent each year. It's the right pick if you want maximum value on this category and don't mind paying for a premium card.
All 10 cards ranked by effective value per dollar.
| Card | Streaming Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Blue Cash Preferred Card from American ExpressAmex | 6% cash back | 6.0¢/$ | $95 | $156 | amex |
| Chase Sapphire Preferred CardChase | 3x Ultimate Rewards | 5.4¢/$ | $95 | $129 | visa |
| Jasper Cash Back MastercardWebbank | 5x Cashback | 5.0¢/$ | $0 | — | mastercard |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.5¢/$ | $0 | $8 | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.5¢/$ | $0 | $162.50 | mastercard |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.5¢/$ | $95 | $33 | visa |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| U.S. Bank Cash+® Visa Signature® CardUsbank | 5% cash back | 5.0¢/$ | $0 | — | visa |
| NHL® Discover It®Discover | 5x points | 5.0¢/$ | $0 | — | discover |
| SavorOne RewardsCapital One | 3x points | 3.0¢/$ | $39 | — | mastercard |
Other brands in Streaming where the top picks above also earn well.
Want to filter by spend amount, network, or fee preference?
Open in full search with filters →Chase
Webbank
Blue Cash Preferred Card from American Express earns 6.0¢ per dollar at Spotify, the highest in our database. The $95 annual fee pays for itself once you're spending at least the equivalent each year. It's the right pick if you want maximum value on this category and don't mind paying for a premium card.
All 10 cards ranked by effective value per dollar.
| Card | Streaming Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Blue Cash Preferred Card from American ExpressAmex | 6% cash back | 6.0¢/$ | $95 | $156 | amex |
| Chase Sapphire Preferred CardChase | 3x Ultimate Rewards | 5.4¢/$ | $95 | $129 | visa |
| Jasper Cash Back MastercardWebbank | 5x Cashback | 5.0¢/$ | $0 | — | mastercard |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.5¢/$ | $0 | $8 | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.5¢/$ | $0 | $162.50 | mastercard |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.5¢/$ | $95 | $33 | visa |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| U.S. Bank Cash+® Visa Signature® CardUsbank | 5% cash back | 5.0¢/$ | $0 | — | visa |
| NHL® Discover It®Discover | 5x points | 5.0¢/$ | $0 | — | discover |
| SavorOne RewardsCapital One | 3x points | 3.0¢/$ | $39 | — | mastercard |
Other brands in Streaming where the top picks above also earn well.
Want to filter by spend amount, network, or fee preference?
Open in full search with filters →
