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Streaming & Subscription Cards

Picks for multi-service households. Real talk on which streaming-category credits actually fire on every service.

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Add up to 4 cards, then open the side-by-side grid. Sorted by ClearValue Score — never by commission.

1
Capital One
Solid pick
89
/100
Annual fee
$0
Ongoing APR
Variable*
Foreign txn fee
None
Best for

Dining- and entertainment-heavy households that want 3% cash back on restaurants, entertainment, popular streaming, and

Fees sourced from issuer terms · 2026-07-08

ClearValue Score · how we rate →

Capital One

Capital One SavorOne Cash Rewards

Dining- and entertainment-heavy households that want 3% cash back on restaurants, entertainment, popular streaming, and

Key specs

Annual fee
$0
Ongoing APR
Variable APR — verify current range at capitalone.com
Foreign transaction fee
None
Balance transfer fee
See issuer terms

Pros

  • Dining- and entertainment-heavy households that want 3% cash back on restaurants, entertainment, popular streaming, and grocery stores at a $0 annual fee — with no foreign transaction fee, so the 3% dining rate follows you abroad.

Trade-offs

  • Warehouse-club grocery shoppers (the 3% grocery rate excludes superstores like Walmart and Target) and anyone who'd rather pay a fee for a higher dining rate — the Amex Gold earns 4x at restaurants, though it costs $325/yr.

The catch

The 3% grocery rate carves out superstores, which is where a lot of households actually buy groceries. Confirm your regular store codes as a supermarket before assuming the 3% applies — otherwise those trips earn the 1% base rate.

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Reviewed by ClearValue Editorial Team ·
2
Wells Fargo
Solid pick
86
/100
Annual fee
$0
Ongoing APR
Variable*
Foreign txn fee
None
Best for

Everyday drivers and broad spenders who want 3x points across six categories — gas and EV charging, travel, dining, tran

Fees sourced from issuer terms · 2026-07-08

ClearValue Score · how we rate →

Wells Fargo

Wells Fargo Autograph

Everyday drivers and broad spenders who want 3x points across six categories — gas and EV charging, travel, dining, tran

Key specs

Annual fee
$0
Ongoing APR
Variable APR — verify current range at wellsfargo.com
Foreign transaction fee
None

Pros

  • Everyday drivers and broad spenders who want 3x points across six categories — gas and EV charging, travel, dining, transit, streaming, and phone plans — at a $0 annual fee and no foreign transaction fee.

Trade-offs

  • People who want cash simplicity or a single dominant category — a 5% rotating or category-specific card can out-earn 3x where your spend concentrates, and the points ecosystem is less deep than Chase UR or Amex MR for transfer-partner redemptions.

The catch

The strength is category breadth, not depth — 3x across six everyday categories is generous, but Wells Fargo's transfer-partner program is thinner than Chase or Amex, so most people will redeem points closer to 1 cpp rather than optimizing transfers.

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Reviewed by ClearValue Editorial Team ·
3
American Express
Solid pick
81
/100
Annual fee
$95
Ongoing APR
19.24–29.99%
Intro APR
0% on purchases and balance transfers for 12 months
Best for

Family households that spend $3,000+ a year at U

Fees sourced from issuer terms · 2026-06-29

ClearValue Score · how we rate →

American Express

American Express Blue Cash Preferred

Family households that spend $3,000+ a year at U

Key specs

Annual fee
$95
Intro APR
0% on purchases and balance transfers for 12 months
Ongoing APR
19.24% – 29.99% variable
Foreign transaction fee
2.7%
Balance transfer fee
$5 or 3%
Late payment fee
Up to $40

Pros

  • Family households that spend $3,000+ a year at U.S. supermarkets and $1,200+ on streaming. The 6% on groceries (up to $6,000/yr) and 6% on streaming is industry-best cashback if you actually use both.

Trade-offs

  • Low-grocery households (the $95 AF doesn't pencil out under ~$1,600/yr in supermarket spend) and anyone with a Costco-heavy grocery routine — Costco doesn't count as a supermarket.

The catch

The 6% grocery is capped at $6,000 of spend per calendar year, then drops to 1%. A family that hits the cap by August is earning $360 at 6% + 1% on everything after — track the cap or set up a backup grocery card for Q4.

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Reviewed by ClearValue Editorial Team ·

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