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.
Maximizing rewards on both groceries and streaming services usually means finding a card that explicitly covers both categories or pairing a high-earning grocery card with a card that rewards entertainment.
The top credit cards that hit these two categories simultaneously or offer industry-leading returns for them include:
Groceries: 6% cash back on eligible U.S. supermarkets (up to $6,000 per year, then 1%).
Streaming: 6% cash back on select U.S. streaming subscriptions.
Annual Fee: $0 intro annual fee for the first year, then $95.
Why it's great: It features arguably the highest return on the market for both combined categories, plus a monthly statement credit perk if you subscribe to the Disney Bundle.
Groceries: Choice of grocery stores as a 2% or 5% category depending on quarterly activation.
5% cash back on TV, internet, and streaming services when you select it as one of your quarterly 5% categories (on up to $2,000 in combined quarterly spend).
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
Streaming:
Annual Fee: $0.
Why it's great: Complete customizability lets you lock in 5% back on your streaming bills every quarter.
Chase Sapphire Preferred® Card
Groceries: 3 points per dollar on online grocery purchases (excluding Walmart, Target, and wholesale clubs).
Streaming: 3 points per dollar on select streaming services.
Groceries or Streaming: Automatically earns 5% cash back on your highest eligible spend category each billing cycle, up to $500 spent. (Eligible categories include both grocery stores and select streaming services).
Annual Fee: $0.
Why it's great: It adapts to whichever of the two categories is higher that month, though you are capped at the 5% rate on the first $500 of spend per billing cycle.
If you'd like to narrow this down, let me know:
Do you spend more on in-person grocery stores or online delivery?
Are you looking for straight cash back or travel points/miles?
I can help you pick the absolute best fit for your monthly budget!
For U.S. credit cards, the best choice depends on whether you want maximum cash back on groceries and streaming combined or the best rewards without paying an annual fee.
As of October 2026, two cards stand out: the Blue Cash Preferred® Card from American Express for higher rewards on both categories, and the Capital One Savor Cash Rewards Credit Card for a strong no-annual-fee option.
Best credit cards for groceries and streaming
1. Blue Cash Preferred® Card from American Express
(Best overall rewards)
6% cash back
On eligible U.S. supermarket purchases and select U.S. streaming subscriptions
Supermarkets: 6% on up to $6,000 per year, then 1%.
Streaming: 6% on eligible subscriptions.
Annual fee: $0 for the first year, then $95.
Extra perks: eligible transit and U.S. gas station purchases earn 3% back.
Best for: Households that spend a lot on groceries and several streaming services. The supermarket spending cap and annual fee matter when calculating your net savings.
2. Capital One Savor Cash Rewards Credit Card
(Best no-annual-fee option)
3% cash back
On eligible groceries, popular streaming, dining and entertainment
Groceries: unlimited 3% at eligible grocery stores.
Streaming: 3% on popular streaming services.
Annual fee: $0.
Other purchases: 1% generally; select travel bookings and entertainment purchases have higher rates.
Best for: People who want one simple card for food shopping, restaurants and subscriptions without paying an annual fee. Walmart and Target purchases generally don't qualify for the grocery bonus.
3. Blue Cash Everyday® Card from American Express
3% cash back
At eligible U.S. supermarkets, plus select online retail and U.S. gas station purchases
Annual fee: $0.
Streaming: typically 1% on purchases that don't fall into a bonus category.
Online shopping: 3% on eligible U.S. online retail purchases, subject to terms and caps.
Best for: Someone who wants grocery rewards with no annual fee but doesn't need the highest streaming reward rate.
4. U.S. Bank Cash+® Visa Signature® Card
5% cash back
On eligible purchases in selected categories
Streaming/TV services can qualify when you select the relevant category.
The 5% rate is limited to $2,000 in combined eligible purchases per quarter across your two chosen 5% categories.
Annual fee: $0.
Best for: Maximizing streaming savings without an annual fee, especially if you're willing to choose categories each quarter. It isn't as strong as the other cards for groceries specifically.
How much cash back could you earn?
Here's a simple comparison using an example household spending $500 per month on groceries and $50 per month on streaming subscriptions.
Illustrative annual rewards, before fees, assuming all purchases qualify for the advertised rates and excluding welcome bonuses and special credits.
Card
Grocery rewards/year
Streaming rewards/year
Total/year
Amex Blue Cash Preferred
$360
$36
$396
Capital One Savor
$180
$18
$198
Amex Blue Cash Everyday
$180
*Illustrative streaming rewards at 5%, assuming eligible purchases and available quarterly category allowance. Groceries are not assumed to earn 5%.
For the Blue Cash Preferred, the $396 in annual rewards becomes approximately $301 after the $95 annual fee from year two onward, before any applicable credits. Its first year has no annual fee under the offer described above. The Capital One Savor keeps its $198 in rewards because it has no annual fee.
My recommendation
Choose Amex Blue Cash Preferred if your grocery spending is high enough to offset its annual fee and you subscribe to multiple eligible streaming services.
Choose Capital One Savor if you want a straightforward, no-fee card that rewards both groceries and streaming, plus dining.
Choose U.S. Bank Cash+ if your priority is streaming rewards and you prefer not to pay an annual fee.
Choose Amex Blue Cash Everyday if you want no annual fee and also shop online frequently.
One important caveat: store eligibility and streaming merchant coding matter, and credit card rewards won't outweigh interest charges if you carry a balance. Paying your statement in full each month is essential.
Want me to find the best card for your spending?
I can narrow this down to the card likely to save you the most money after annual fees. Roughly how much do you spend per month on groceries?
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.
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.[](https://thepointsguy.com/credit-cards/best/grocery/)
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.
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.[](https://www.nerdwallet.com/credit-cards/best/groceries)
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.
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.[](https://www.nerdwallet.com/credit-cards/best/groceries)
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.
$6
$186
U.S. Bank Cash+
Depends on selected categories
Up to $30*
Varies
Streaming Rewards
Key Extra Perk
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.[](https://www.youtube.com/watch?v=KIIRU1ZExEI)
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.
