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Best Credit Card for YouTube Premium in 2026

We ranked every major cash back credit card by what you actually earn at YouTube Premium. The top pick earns 6% — here's the full breakdown.

8 cards earning 2%+ at YouTube Premium · sorted by highest cash back · updated Q2 2026

1
Blue Cash Preferred® Card from Amex
Blue Cash Preferred® Card from Amex
American Express
6% on select U.S. streaming subscriptions
Annual fee: $95/yr
6%
cash back
Apply Now — Earn 6% at This Store →

Why #1: Top pick: earns 6% cash back at YouTube Premium — the highest rate available. Annual fee of $95/yr is easily offset by heavy use.

2
Citi Custom Cash® Card
Citi Custom Cash® Card
Citi
5% auto-detects your top spend category (up to $500/mo)
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #2: Top pick: earns 5% cash back at YouTube Premium — the highest rate available. No annual fee required.

3
U.S. Bank Cash+® Visa Signature®
U.S. Bank Cash+® Visa Signature®
U.S. Bank
5% on TV/internet/streaming (if selected)
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #3: Top pick: earns 5% cash back at YouTube Premium — the highest rate available. No annual fee required.

4
Capital One Savor Cash Rewards
Capital One Savor Cash Rewards
Capital One
4% on streaming
Annual fee: No annual fee
4%
cash back
Apply Now — Earn 4% at This Store →

Why #4: Strong choice at 4% — among the best non-co-branded cards for YouTube Premium. No annual fee.

5
Capital One SavorOne Cash Rewards
Capital One SavorOne Cash Rewards
Capital One
3% on streaming
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #5: Solid 3% cash back at YouTube Premium with no activation needed. No annual fee — easy to hold long-term.

6
Wells Fargo Autograph℠ Card
Wells Fargo Autograph℠ Card
Wells Fargo
3x points on streaming services
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #6: Solid 3% cash back at YouTube Premium with no activation needed. No annual fee — easy to hold long-term.

7
Robinhood Gold Card
Robinhood Gold Card
Robinhood / Sutton Bank
3% unlimited cash back on all purchases — no categories, no caps. ⚠️ Requires Robinhood Gold subscription ($5/mo). Effective rate is ~3% if you spend $6,000+/yr; otherwise the subscription cost reduces net earnings.
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #7: Solid 3% cash back at YouTube Premium with no activation needed. No annual fee — easy to hold long-term.

8
Chase Sapphire Preferred®
Chase Sapphire Preferred®
Chase
3% on streaming
Annual fee: $95/yr
3%
cash back
Apply Now — Earn 3% at This Store →

Why #8: Solid 3% cash back at YouTube Premium with no activation needed. $95/yr annual fee.

Frequently Asked Questions

What is the best credit card to use at YouTube Premium?

The best card at YouTube Premium right now is the Blue Cash Preferred® Card from Amex, earning 6% cash back. 6% on select U.S. streaming subscriptions

Does any credit card offer more than 2% at YouTube Premium?

Yes — the Blue Cash Preferred® Card from Amex at 6%, the Citi Custom Cash® Card at 5%, the U.S. Bank Cash+® Visa Signature® at 5% all earn above 2% at YouTube Premium.

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Cash back rates are estimates and may vary. Rotating category cards require quarterly activation. Always verify rates with your card issuer before applying. Links on this page may be affiliate links — PennySwiper may earn a commission at no cost to you.