Spotify ↗ Credit Card Rewards
Maximize your rewards with the best credit cards for Spotify
MCC Code
5815
Unknown MCC
Eligible Cards
10
Cards earn rewards
Top Rate
N/A
No cap
Quick Answer
The best credit card for Spotify is Citi Citi Double Cash, earning
With no cap, this card is ideal for online spending at Spotify. Alternative options include Capital One Capital One Venture X.
Best Credit Cards for Spotify
Citi Citi Double Cash
All purchases (1% when buying + 1% when paying)
Capital One Capital One Venture X
All other purchases
American Express Blue Cash Everyday
Other purchases
Capital One Capital One Savor
Other purchases
Chase Chase Freedom Flex
Other purchases
U.S. Bank U.S. Bank Altitude Go
Other purchases
Chase Chase Sapphire Preferred
Other purchases
American Express Amex Gold
Other purchases
Chase Chase Sapphire Reserve
Other purchases
American Express Amex Platinum
Other purchases
Reward Calculator
Estimated Monthly Rewards
Frequently Asked Questions
What is the MCC code for Spotify?
Spotify uses MCC code 5815, which stands for “Unknown MCC”. This code determines which credit cards earn rewards at this merchant. Banks use MCC codes to categorize transactions and apply bonus rewards accordingly.
What credit cards work at Spotify?
The best credit cards for Spotify include:
- Citi Citi Double Cash- ()
- Capital One Capital One Venture X- ()
- American Express Blue Cash Everyday- ()
Is Spotify classified as online or offline spending?
Spotify is classified as online spending. This affects card eligibility - some cards only earn rewards on online transactions. For example, some cards only bonus online purchases, while others only bonus in-person purchases or portal bookings. Always check the merchant's MCC and any issuer caveats before assuming the bonus will post.
How can I maximize rewards at Spotify?
To maximize rewards at Spotify:
- Use Citi Citi Double Cash for on all transactions
- Be mindful of the monthly cap:
- Consider pairing with Capital One Capital One Venture X for additional categories
- Track your spending to stay within bonus category limits