American Express Blue Cash Preferred Card holds a narrow lead over Capital One Savor for grocery and streaming cash back. American Express is the usual answer when buyers compare cash-back cards more broadly.
For U.S. cards, these stand out as of October 2026:
Amex Blue Cash Preferred — 6% at U.S. supermarkets (up to $6,000/year) and 6% on eligible streaming; $95 annual fee after year one.
Capital One Savor — 3% unlimited cash back at grocery stores and on popular streaming services; $0 annual fee.
Amex Blue Cash Everyday — 3% at U.S. supermarkets up to $6,000/year; $0 annual fee, but no comparable streaming bonus.
Citi Custom Cash — 5% on your top eligible category up to $500 per billing cycle, potentially including groceries or streaming. However, current reporting says it closed to new applicants in May 2026.
American Express is the usual answer when buyers seek cash-back credit cards. Responses highlight its strong rates for groceries alongside specialized entertainment rewards.
See where your brand stands in this ranking
Simple takeaway: If you spend heavily on both groceries and streaming, the Blue Cash Preferred has the highest combined rates; if you want no annual fee and simplicity, Capital One Savor covers both at 3%.
TheBlue Cash Preferred® Card from American Express is the top overall credit card for combining high-tier rewards on both U.S. supermarkets and select streaming services, offering 6% cash back on groceries (up to $6,000 per year, then 1%) and 6% cash back on select U.S. streaming subscriptions.
If you want to compare other top cards that hit both of these everyday spending categories, several strong alternatives offer varying fee structures and reward types:
Up to 5% cash back (on your highest spend category each billing cycle, including groceries or streaming up to $500 spend)
Up to 5% cash back (if chosen as top spend category)
Top Recommendations Breakdown
Blue Cash Preferred® Card from American Express: The gold standard if your household budget centers heavily on traditional supermarkets and major streaming platforms (like Netflix, Hulu, and Disney+). Note that the 6% grocery rate resets annually at a $6,000 spending cap ($500/month).
Capital One Savor Cash Rewards Credit Card: An excellent zero-annual-fee option that drops the rewards slightly to 3% back , but removes caps on grocery spending while also covering dining, entertainment, and popular streaming services.
Citi Custom Cash® Card: Automatically awards 5% cash back on your highest eligible spend category each billing cycle (up to $500 spent per cycle). You can target grocery stores one month or dedicate it to streaming and transit, though you must juggle categories or keep spending isolated to maximize it.
To help narrow down the ideal choice, let me know:
What is your approximate monthly spend on groceries?
Do you prefer straight cash back or travel reward points?
If your biggest recurring expenses are groceries + streaming, there are a few standout cards in the U.S. right now. I’d focus on the ongoing rewards, not just the welcome bonus.
Card
Groceries
Streaming
Annual fee
Best for
Amex Blue Cash Preferred
6% up to $6,000/yr
6% on eligible services
$95
🏆 Best overall for both
Capital One Savor
3%
3%
$0
Best no-fee all-rounder
AAA Daily Advantage
5%
3%
$0
Best no-fee grocery rate
Citi Custom Cash
5% on your top category, up to $500/billing cycle
5% if streaming is your top category
$0
Best for concentrating spend
🥇 Best overall: Amex Blue Cash Preferred
American Express's Blue Cash Preferred is particularly strong if you spend a meaningful amount at supermarkets and on streaming.
6% cash back at U.S. supermarkets, up to $6,000 per calendar year, then 1%.
6% on eligible U.S. streaming subscriptions.
3% on gas and transit.
$95 annual fee after the introductory first year.
It also currently has a $10/month Disney Streaming Credit—up to $120/year—for eligible Disney+, Hulu and ESPN subscriptions when enrolled.
So if you spend, say, $500/month on groceries, you'd hit the $6,000 grocery cap and earn $360/year from groceries alone. Add $100/month of qualifying streaming and that's another $72, before considering the Disney credit.
Important: the 6% streaming category has eligibility rules, and grocery rewards are based on merchant coding. Warehouse clubs and some superstores aren't treated as U.S. supermarkets.
💰 Best $0-fee option: Capital One Savor
Capital One's Savor is simpler:
3% unlimited cash back at grocery stores
3% on popular streaming services
3% on dining and entertainment
$0 annual fee
Currently a $200 bonus after $500 in purchases in the first 3 months for eligible new applicants.
The big advantage is that there's no annual grocery cap. One caveat: grocery rewards exclude superstores such as Walmart and Target.
🛒 Best for heavy grocery spending: AAA Daily Advantage
The AAA Daily Advantage Visa Signature is surprisingly compelling if groceries are your priority:
5% grocery
3% streaming
3% gas/EV charging, wholesale clubs and pharmacy
$0 annual fee
The 5% grocery rate is combined with the wholesale-club/gas category within a $10,000 annual spending limit, after which those purchases earn 1%.
That makes it particularly interesting if your grocery bill is high but you don't want to pay an annual fee.
🎯 Interesting niche option: Citi Custom Cash
The Citi Custom Cash automatically gives you 5% back on your highest eligible spending category each billing cycle, up to $500, with grocery stores and select streaming among the eligible categories.
That works beautifully if, for example, you spend $400–$500/month on groceries and don't need a high rewards rate beyond that amount. But it's less attractive for someone with substantial spending in both groceries and streaming because only the highest category gets the 5%.
My ranking for your situation
If you want one card: 1. Amex Blue Cash Preferred — strongest combination of groceries + streaming.
If you refuse annual fees: 2. Capital One Savor — very easy 3%/3% setup.
If groceries dominate your budget: 3. AAA Daily Advantage — 5% grocery with no annual fee.
If you want to optimize with multiple cards:
A particularly effective setup could be Amex Blue Cash Preferred for groceries + eligible streaming, then use a different card for categories where it beats 1%. The BCP's $95 fee becomes much easier to justify as your grocery/streaming spend rises.
If you tell me roughly how much you spend per month on groceries, streaming, dining, gas, and online shopping, I can calculate the actual annual cash-back difference between these cards and tell you which one would put the most money back in your pocket.
The American Express Blue Cash Preferred Card and the Capital One Savor Cash Rewards Credit Card offer the best overall combination of high cash-back rewards for both grocery shopping and monthly streaming services.
Maximizing rewards on both groceries and streaming services at the same time is a great strategy since a couple of top-tier cards explicitly bundle these exact categories together.
The top credit cards to consider depend on whether you prefer straightforward cash back or flexible travel points:
Groceries:6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
Streaming:6% cash back on select U.S. streaming services.
Other Perks: 3% cash back on transit and U.S. gas stations.
Annual Fee: $0 intro annual fee for the first year, then $95.
Why consider it: If your grocery spending fits under the $6,000 annual cap ($500/month), the 6% return on both groceries and streaming makes this arguably the most powerful card on the market for these specific categories.
Groceries:3% cash back at grocery stores.
Streaming:3% cash back on popular streaming services.
Other Perks: 3% cash back on dining, entertainment, and popular streaming services with a $0 annual fee.
Annual Fee: $0.
Why consider it: If you don't want to worry about an annual fee or if you routinely spend more than $6,000 a year on groceries (where the Amex Blue Cash Preferred caps out), this is a consistent, hassle-free earner.
Groceries:4x Membership Rewards points at U.S. supermarkets (up to $25,000 per calendar year, then 1x).
Streaming: No direct category multiplier, however , you can use the card to buy streaming service gift cards at U.S. supermarkets to rack up 4x points.
Other Perks: 4x points on dining worldwide (including takeout/delivery in the U.S.) and strong travel booking multipliers.
Annual Fee: $325
Why consider it: If you prefer flexible travel rewards over cash back and spend heavily on food (groceries + dining), the Amex Gold turns routine trips to the supermarket into airline or hotel miles.
Groceries:5% back at Whole Foods Market and Amazon Fresh (requires an eligible Amazon Prime membership).
Streaming: Includes access to Amazon Prime Video if you maintain your Prime membership.
Annual Fee: $0 (with Prime membership).
Why consider it: If your primary "grocery" destination is Whole Foods and you already use Prime Video, this card delivers a stellar 5% return on those food hauls.
If you want the absolute highest immediate return, pairing the Amex Blue Cash Preferred for your capped $6,000 grocery/streaming spend and using a flat 2% cash back card like the Wells Fargo Active Cash® Card for everything else will yield a high return without overcomplicating your wallet.
If you want to maximize credit card rewards on groceries and streaming services, I’d focus on cards that offer high category bonuses on supermarket purchases, recurring streaming subscriptions, and possibly a strong cash-back rate on everything else.
The best choice depends on whether you prefer straightforward cash back or travel points, and whether you’re willing to pay an annual fee. Assuming you’re looking at U.S. credit cards, here are the options I’d compare first.
The top credit cards to consider
1. Blue Cash Preferred® Card from American Express
(Best for maximum rewards)
6% cash back
Annual fee: $0 first year, then $95
6% at U.S. supermarkets on up to $6,000 in annual purchases, then 1%.
6% on eligible U.S. streaming subscriptions.
3% at U.S. gas stations and on transit.
Up to $120 annually in eligible Disney+, Hulu and ESPN streaming statement credits, with enrollment and other terms.
American Express Blue Cash Preferred
$95 (waived first year)
6% (up to $6,000/yr)
6%
Up to $84/yr Disney/Hulu bundle credit
Capital One Savor Cash Rewards
$0
3%
3%
No annual fee + dining/entertainment cash back
Citi Custom Cash Card
$0
5% (top category up to $500/mo)
Varies (1%)
Flexible 5% top spend category shift
Detailed Breakdown of Top Choices
American Express Blue Cash Preferred Card: Delivers an industry-leading 6% cash back on U.S. supermarkets (on up to $6,000 per year, then 1%) and 6% cash back on select U.S. streaming subscriptions. It also features a select monthly statement credit for Disney/Hulu/ESPN bundles, making it ideal if your grocery and streaming totals maximize the caps.
Capital One Savor Cash Rewards Credit Card: Earns an unlimited 3% cash back on groceries, dining, entertainment, and popular streaming services with a $0 annual fee . It is a great choice if you prefer avoiding annual fees while keeping rewards streamlined across staying-in and going-out habits.
Citi Custom Cash Card: Automatically gives 5% cash back on your highest eligible spend category each billing cycle (including grocery stores) up to $500 spent per month.
If you'd like, let me know:
Your approximate monthly spend on groceries
Whether you prefer cash back or travel rewards points
I can help you calculate which option yields the highest net return for your budget.
Here's an illustrative comparison assuming $500 per month in qualifying supermarket purchases and $50 per month in qualifying streaming subscriptions.
Card
Grocery rewards/year
Streaming rewards/year
Annual fee after intro year
Amex Blue Cash Preferred
$360
$36
$95
Capital One Savor
$180
$18
$0
Amex Blue Cash Everyday
$180
$0*
$0
*Streaming earnings for Blue Cash Everyday are shown as zero because no general streaming bonus is listed in its standard rewards structure. Calculations exclude welcome bonuses and special offers. Grocery spending assumes all $6,000 qualifies for the supermarket bonus.
Under these assumptions, the Blue Cash Preferred earns $198 more in grocery and streaming rewards than Savor before the annual fee, or $103 more after its $95 fee. Any eligible streaming credits would improve its value further. Actual results depend on merchant eligibility and the terms in effect when you apply.
My recommendation
Maximum cash back: Amex Blue Cash Preferred.
Best simple, fee-free setup: Capital One Savor.
Lower spending or no annual fee: Amex Blue Cash Everyday.
One important catch: supermarket bonuses typically exclude warehouse clubs and superstores such as Costco, Walmart and Target. If you buy most of your groceries there, the best card could be different.
