Best credit card for SiriusXM

The Disney® Inspire Visa® Card earns the most at SiriusXM: about 10.0% back.

Best overall
10.0%
10x points

counts as Streaming · Direct at DisneyPlus.com, Hulu.com or Stream.ESPN.com

Best with no annual fee

counts as Streaming · if you pick it as your bonus category · 5% on your two chosen categories (first $2,000 combined each quarter) — also offered: fast food, sporting goods, select clothing and furniture stores

Best of your cards Add your cards to see yoursTakes 30 seconds. No account, no bank login.

Every card ranked at SiriusXM

Value points as
  1. 1
    Disney® Inspire Visa® Card
    $149/yr · counts as Streaming · Direct at DisneyPlus.com, Hulu.com or Stream.ESPN.com
    10.0%
    10x points
  2. 2
    American Express® Blue Cash Preferred® Card
    $95/yr · counts as Streaming · Select streaming services (each card has its own eligible list)
    6.0%
    6% back
  3. 3
    Chase Sapphire Preferred® Card
    $95/yr · counts as Streaming · 3x points on select streaming services
    6.0%
    3x points
  4. 4
    U.S. Bank Cash+® Visa Signature® Card
    No annual fee · counts as Streaming · if you pick it as your bonus category · 5% on your two chosen categories (first $2,000 combined each quarter) — also offered: fast food, sporting goods, select clothing and furniture stores
    5.0%
    5% back
  5. 5
    Disney® Premier Visa® Card
    $49/yr · counts as Streaming · Direct at DisneyPlus.com, Hulu.com or Stream.ESPN.com
    5.0%
    5x points
  6. 6
    Bilt Palladium Card
    $495/yr · Base rate on everything
    4.0%
    2x points
  7. 7
    Capital One Venture Rewards Credit Card
    $95/yr · Base rate on everything
    3.7%
    2x points
  8. 8
    Capital One Venture X Rewards Credit Card
    $395/yr · Base rate on everything
    3.7%
    2x points
  9. 9
    Capital One SavorOne Cash Rewards Credit Card
    $39/yr · counts as Streaming
    3.0%
    3% back
  10. 10
    Wells Fargo Autograph℠ Card
    No annual fee · counts as Streaming
    3.0%
    3x points
Show all 106 cards
  1. 11
    Citi Strata℠ Card
    No annual fee · counts as Streaming · if you pick it as your bonus category · 3x on your Self-Select category (fitness clubs, select streaming, live entertainment, cosmetic stores/salons, pet supply)
    3.0%
    3x points
  2. 12
    Capital One Savor Cash Rewards Credit Card
    No annual fee · counts as Streaming
    3.0%
    3% back
  3. 13
    Robinhood Gold Card
    $50/yr · Base rate on everything
    3.0%
    3% back
  4. 14
    Capital One Savor Student Cash Rewards Credit Card
    No annual fee · counts as Streaming
    3.0%
    3% back
  5. 15
    Atmos™ Rewards Ascent Visa Signature®
    $95/yr · counts as Streaming · Select streaming services (each card has its own eligible list)
    2.9%
    2x points
  6. 16
    Citi Strata Elite℠ Card
    $595/yr · Base rate on everything
    2.8%
    1.5x points
  7. 17
    United Quest℠ Card
    $350/yr · counts as Streaming
    2.7%
    2x points
  8. 18
    PenFed Platinum Rewards Visa Signature® Card
    No annual fee · counts as Streaming
    2.5%
    3x points
  9. 19
    Capital One VentureOne Rewards Credit Card
    No annual fee · Base rate on everything
    2.3%
    1.25x points
  10. 20
    U.S. Bank Altitude® Go Visa Signature® Card
    No annual fee · counts as Streaming
    2.0%
    2x points
  11. 21
    SoFi Unlimited 2% Credit Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  12. 22
    Apple Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  13. 23
    Wells Fargo Active Cash® Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  14. 24
    Citi Double Cash® Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  15. 25
    Bread Cashback® American Express® Credit Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  16. 26
    T-Mobile Visa®
    No annual fee · Base rate on everything
    2.0%
    2x points
  17. 27
    Instacart Mastercard®
    No annual fee · counts as Streaming · Select streaming services (issuer does not name them)
    2.0%
    2% back
  18. 28
    American Express® Gold Card
    $325/yr · Base rate on everything
    2.0%
    1x points
  19. 29
    Chase Sapphire Reserve®
    $795/yr · Base rate on everything
    2.0%
    1x points
  20. 30
    American Express® Green Card
    $150/yr · Base rate on everything
    2.0%
    1x points
  21. 31
    Bilt Blue Card
    No annual fee · Base rate on everything
    2.0%
    1x points
  22. 32
    Bilt Obsidian Card
    $95/yr · Base rate on everything
    2.0%
    1x points
  23. 33
    The Platinum Card® from American Express
    $895/yr · Base rate on everything
    2.0%
    1x points
  24. 34
    Citi Strata Premier℠ Card
    $95/yr · Base rate on everything
    1.9%
    1x points
  25. 35
    World of Hyatt Credit Card
    $95/yr · Base rate on everything
    1.7%
    1x points
  26. 36
    Citi® / AAdvantage® Globe™ Mastercard®
    $350/yr · Base rate on everything
    1.6%
    1x points
  27. 37
    Citi® / AAdvantage® Executive World Elite Mastercard®
    $595/yr · Base rate on everything
    1.6%
    1x points
  28. 38
    Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
    $99/yr · Base rate on everything
    1.6%
    1x points
  29. 39
    Citi® / AAdvantage® MileUp® Card
    No annual fee · Base rate on everything
    1.6%
    1x points
  30. 40
    Capital One Quicksilver Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  31. 41
    Bank of America® Premium Rewards® Elite Credit Card
    $550/yr · Base rate on everything
    1.5%
    1.5x points
  32. 42
    Bank of America® Travel Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  33. 43
    Bank of America® Premium Rewards® Credit Card
    $95/yr · Base rate on everything
    1.5%
    1.5x points
  34. 44
    Hilton Honors American Express Card
    No annual fee · Base rate on everything
    1.5%
    3x points
  35. 45
    Discover it® Miles
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  36. 46
    QuicksilverOne Rewards
    $39/yr · Base rate on everything
    1.5%
    1.5% back
  37. 47
    Chase Freedom Rise® Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  38. 48
    IHG One Rewards Premier Select Credit Card
    $350/yr · Base rate on everything
    1.5%
    3x points
  39. 49
    Hilton Honors American Express Aspire Card
    $550/yr · Base rate on everything
    1.5%
    3x points
  40. 50
    Chase Freedom Unlimited®
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  41. 51
    Bank of America® Unlimited Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  42. 52
    OnePay CashRewards Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  43. 53
    Capital One Quicksilver Secured Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  44. 54
    IHG One Rewards Premier Credit Card
    $150/yr · Base rate on everything
    1.5%
    3x points
  45. 55
    REI Co-op® Mastercard®
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  46. 56
    The One Key® Card
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  47. 57
    Hilton Honors American Express Surpass® Card
    $150/yr · Base rate on everything
    1.5%
    3x points
  48. 58
    BJ’s One® Mastercard®
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  49. 59
    Marriott Bonvoy Bold® Credit Card
    No annual fee · counts as Streaming · 2x on select streaming
    1.4%
    2x points
  50. 60
    Marriott Bonvoy Bevy™ American Express® Card
    $250/yr · Base rate on everything
    1.4%
    2x points
  51. 61
    Marriott Bonvoy Boundless® Credit Card
    $95/yr · Base rate on everything
    1.4%
    2x points
  52. 62
    Marriott Bonvoy Brilliant® American Express® Card
    $650/yr · Base rate on everything
    1.4%
    2x points
  53. 63
    Marriott Bonvoy Bountiful™ Card
    $250/yr · Base rate on everything
    1.4%
    2x points
  54. 64
    United℠ Explorer Card
    $150/yr · Base rate on everything
    1.4%
    1x points
  55. 65
    United Club℠ Card
    $695/yr · Base rate on everything
    1.4%
    1x points
  56. 66
    United Gateway Card
    No annual fee · Base rate on everything
    1.4%
    1x points
  57. 67
    JetBlue Plus Card
    $99/yr · Base rate on everything
    1.3%
    1x points
  58. 68
    Aer Lingus Visa Signature® Credit Card
    $95/yr · Base rate on everything
    1.3%
    1x points
  59. 69
    British Airways Visa Signature® Credit Card
    $95/yr · Base rate on everything
    1.3%
    1x points
  60. 70
    Iberia Visa Signature® Credit Card
    $95/yr · Base rate on everything
    1.3%
    1x points
  61. 71
    Southwest Rapid Rewards® Plus Credit Card
    $97/yr · Base rate on everything
    1.3%
    1x points
  62. 72
    Southwest Rapid Rewards® Premier Credit Card
    $99/yr · Base rate on everything
    1.3%
    1x points
  63. 73
    Southwest Rapid Rewards® Priority Card
    $229/yr · Base rate on everything
    1.3%
    1x points
  64. 74
    Wyndham Rewards Earner® Plus Card
    $75/yr · Base rate on everything
    1.1%
    1x points
  65. 75
    Delta SkyMiles® Gold American Express Card
    $150/yr · Base rate on everything
    1.1%
    1x points
  66. 76
    Delta SkyMiles® Blue American Express Card
    No annual fee · Base rate on everything
    1.1%
    1x points
  67. 77
    Delta SkyMiles® Reserve American Express Card
    $650/yr · Base rate on everything
    1.1%
    1x points
  68. 78
    Delta SkyMiles® Platinum American Express Card
    $350/yr · Base rate on everything
    1.1%
    1x points
  69. 79
    Chase Freedom Flex®
    No annual fee · Base rate on everything
    1.0%
    1x points
  70. 80
    Blue Cash Everyday® Card from American Express
    No annual fee · Base rate on everything
    1.0%
    1% back
  71. 81
    Discover it® Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  72. 82
    AT&T Points Plus® Card from Citi
    No annual fee · Base rate on everything
    1.0%
    1x points
  73. 83
    Amazon Prime Visa
    No annual fee · Base rate on everything
    1.0%
    1% back
  74. 84
    Costco Anywhere Visa® Card by Citi
    No annual fee · Base rate on everything
    1.0%
    1% back
  75. 85
    Navy Federal More Rewards American Express® Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  76. 86
    Bank of America® Customized Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  77. 87
    Cashback Rewards Plus American Express® Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  78. 88
    Barclays View™ Mastercard®
    No annual fee · Base rate on everything
    1.0%
    1% back
  79. 89
    Navy Federal Flagship Premier Visa Signature
    $95/yr · Base rate on everything
    1.0%
    1x points
  80. 90
    Discover it® Chrome Gas & Restaurants Credit Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  81. 91
    Robinhood Platinum Card
    $695/yr · Base rate on everything
    1.0%
    1% back
  82. 92
    Discover it® Secured Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  83. 93
    Discover it® Student Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  84. 94
    Discover it® Student Chrome
    No annual fee · Base rate on everything
    1.0%
    1% back
  85. 95
    Wells Fargo Autograph Journey℠ Card
    $95/yr · Base rate on everything
    1.0%
    1x points
  86. 96
    IHG One Rewards Credit Card
    No annual fee · Base rate on everything
    1.0%
    2x points
  87. 97
    L.L.Bean® Mastercard®
    No annual fee · Base rate on everything
    1.0%
    1x points
  88. 98
    Disney® Visa® Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  89. 99
    DoorDash Rewards Mastercard®
    No annual fee · Base rate on everything
    1.0%
    1% back
  90. 100
    Kohl's Rewards® Visa
    No annual fee · Base rate on everything
    1.0%
    1x points
  91. 101
    Bass Pro Shops CLUB Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  92. 102
    Williams Sonoma Key Rewards® Visa
    No annual fee · Base rate on everything
    1.0%
    1x points
  93. 103
    Choice Privileges® Select Mastercard®
    $95/yr · Base rate on everything
    0.6%
    1x points
  94. 104
    Bread Rewards® American Express® Credit Card
    No annual fee · Base rate on everything
    0.5%
    1x points
  95. 105
    Wells Fargo Reflect® Card
    No annual fee · No rewards — this card is built for its 0% intro APR
    0.0%
    No rewards
  96. 106
    Citi Simplicity® Card
    No annual fee · No rewards — this card is built for its 0% intro APR
    0.0%
    No rewards

Rates are effective value per dollar (points × what a point is worth to you). Rankings reflect PayWithThis’s own methodology; we’re independent and not paid by issuers. Verify current terms with the issuer.

Common questions

What's the best credit card to use at SiriusXM?

The Disney® Inspire Visa® Card earns the most at SiriusXM: about 10.0% back. The best card with no annual fee is the U.S. Bank Cash+® Visa Signature® Card at 5.0%.

What do purchases at SiriusXM count as for credit card rewards?

Purchases at SiriusXM usually code as Streaming. Streaming subscriptions — Netflix, Spotify, Disney+, YouTube TV, Max, Hulu and more.

Which of my cards should I use at SiriusXM?

Add the cards you carry on PayWithThis — it takes about 30 seconds, with no account or bank login — and every page, including this one, will show which of your own cards earns the most at SiriusXM.

Never miss a 5% quarter

One email when rotating categories change — which cards pay 5% where, and when to activate.