Merchants • Streaming

Best Credit Cards for Crave

Among the cards CardTruth has reviewed, the American Express Cobalt Card earns the most at Crave: 3x points, worth ≈6% of what you spend. Compare the top two →

Cards accepted

In store
None
Online
Visa, Mastercard and American Express

Subscriptions billed through an app store, phone, internet or cable provider code as that company instead, and usually don't qualify for a streaming rate. On the Amex Cobalt's list of eligible streaming services and on the list Scotiabank's Amex cards use.

How purchases code (MCC)

  • 4899Cable, satellite and other pay television servicesVaries

    Not confirmed: streaming services code as pay TV (4899) or digital media (5815).

  • 5815Digital goods: books, movies and musicVaries

A purchase's code is set by the merchant's payment processor and card network, not by your card, and it can differ by location, network and over time (American Express classifies merchants itself). Your statement shows how a purchase actually coded. Last verified October 2026.

Personal cards

  1. Amex CobaltNamed in the card's terms
    ≈6%3x points
  2. Momentum Infinite+Category match · Spending cap applies · Only when billed automatically
    4%4% back
  3. RBC Cash Back PreferredBy merchant code · Code varies by location
    3%3% back
  4. Scotia Gold AmexNamed in the card's terms · Spending cap applies
    ≈3%3x points
  5. TD Cash Back InfiniteBy merchant code · Code varies by location · Spending cap applies
    3%3% back
Show all 80 personal cardsShow fewer
  1. Amex Aeroplan ReserveBase rate
    ≈2.5%1.25x points
  2. CIBC Aeroplan Visa Infinite PrivilegeBase rate
    ≈2.5%1.25x points
  3. TD Aeroplan PrivilegeBase rate
    ≈2.5%1.25x points
  4. RBC Avion PrivilegeBase rate
    ≈2.25%1.25x points
  5. RBC ION+By merchant code · Code varies by location
    ≈2.13%3x points
  6. BMO Ascend World EliteCategory match · Spending cap applies · Only when billed automatically
    ≈2.01%3x points
  7. Amex Aeroplan CardBase rate
    ≈2%1x points
  8. Amex GoldBase rate
    ≈2%1x points
  9. Amex GreenBase rate
    ≈2%1x points
  10. BMO CashBack World EliteCategory match · Spending cap applies · Only when billed automatically
    2%2% back
  11. CIBC Aeroplan Visa InfiniteBase rate
    ≈2%1x points
  12. CIBC Dividend Platinum VisaCategory match · Spending cap applies · Only when billed automatically
    2%2% back
  13. CIBC Dividend Visa InfiniteCategory match · Spending cap applies · Only when billed automatically
    2%2% back
  14. Momentum VisaCategory match · Spending cap applies · Only when billed automatically
    2%2% back
  15. Momentum Visa (Student)Category match · Spending cap applies · Only when billed automatically
    2%2% back
  16. Scotiabank AmexNamed in the card's terms · Spending cap applies
    ≈2%2x points
  17. Scotiabank Amex (Student)Named in the card's terms · Spending cap applies
    ≈2%2x points
  18. Scotia Platinum AmexBase rate
    ≈2%2x points
  19. Amex SimplyCash PreferredBase rate
    2%2% back
  20. TD Aeroplan InfiniteBase rate
    ≈2%1x points
  21. TD First Class TravelBy merchant code · Code varies by location · Spending cap applies
    ≈2%4x points
  22. Amex PlatinumBase rate
    ≈2%1x points
  23. WS Visa Infinite+Base rate
    2%2% back
  24. WS Visa Infinite PrivilegeBase rate
    2%2% back
  25. Marriott Bonvoy AmexBase rate
    ≈1.8%2x points
  26. RBC Avion InfiniteBase rate
    ≈1.8%1x points
  27. RBC Avion PlatinumBase rate
    ≈1.8%1x points
  28. BMO eclipse rise VisaCategory match · Spending cap applies · Only when billed automatically
    ≈1.68%2.5x points
  29. BMO VIPorter World EliteBase rate
    ≈1.5%1x points
  30. RBC British AirwaysBase rate
    ≈1.5%1x points
  31. TD Platinum TravelBy merchant code · Code varies by location · Spending cap applies
    ≈1.5%3x points
  32. WestJet RBC MCCategory match
    ≈1.5%1.5x points
  33. WestJet World EliteBase rate
    ≈1.5%1.5x points
  34. CIBC Aeroplan VisaBase rate
    ≈1.34%0.67x points
  35. CIBC Aeroplan Visa (Student)Base rate
    ≈1.34%0.67x points
  36. TD Aeroplan PlatinumBase rate
    ≈1.34%0.67x points
  37. CIBC Aventura Visa Infinite PrivilegeBase rate
    ≈1.25%1.25x points
  38. Amex SimplyCashBase rate
    1.25%1.25% back
  39. RBC IONBy merchant code · Code varies by location
    ≈1.07%1.5x points
  40. BMO CashBack MastercardCategory match · Spending cap applies · Only when billed automatically
    1%1% back
  41. CIBC Aventura Gold VisaBase rate
    ≈1%1x points
  42. CIBC Aventura Visa InfiniteBase rate
    ≈1%1x points
  43. CIBC Costco MastercardBase rate
    1%1% back
  44. CIBC Dividend VisaCategory match · Spending cap applies · Only when billed automatically
    1%1% back
  45. CIBC Dividend Visa (Student)Category match · Spending cap applies · Only when billed automatically
    1%1% back
  46. PC Insiders World Elite MastercardBase rate
    1%1% back
  47. PC MastercardBase rate
    1%1% back
  48. PC World Elite MastercardBase rate
    1%1% back
  49. PC World MastercardBase rate
    1%1% back
  50. Momentum MastercardCategory match · Only when billed automatically
    1%1% back
  51. Momentum No-Fee VisaCategory match · Spending cap applies · Only when billed automatically
    1%1% back
  52. Momentum No-Fee (Student)Category match · Spending cap applies · Only when billed automatically
    1%1% back
  53. Scotia Passport PrivilegeBase rate
    ≈1%1x points
  54. Scotia Passport Infinite+Base rate
    ≈1%1x points
  55. Scotia Scene+ VisaBase rate
    ≈1%1x points
  56. Scotia Scene+ Visa (Student)Base rate
    ≈1%1x points
  57. ScotiaGold PassportBase rate
    ≈1%1x points
  58. BMO CashBack Mastercard (Student)Category match · Spending cap applies · Only when billed automatically
    1%1% back
  59. TD Cash Back VisaBy merchant code · Code varies by location · Spending cap applies
    1%1% back
  60. TD Rewards VisaBy merchant code · Code varies by location · Spending cap applies
    ≈1%2x points
  61. CIBC Adapta MastercardBase rate
    ≈0.83%1x points
  62. CIBC Adapta Mastercard (Student)Base rate
    ≈0.83%1x points
  63. moi RBC VisaBase rate
    ≈0.8%1x points
  64. BMO VIPorter MastercardBase rate
    ≈0.75%0.5x points
  65. RBC U.S. Dollar GoldBase rate
    ≈0.71%1x points
  66. BMO Blue Rewards World EliteBase rate
    ≈0.67%1x points
  67. BMO eclipse Visa InfiniteBase rate
    ≈0.67%1x points
  68. BMO eclipse Visa Infinite PrivilegeBase rate
    ≈0.67%1x points
  69. More Rewards InfiniteBase rate
    ≈0.6%4x points
  70. CIBC Aventura VisaBase rate
    ≈0.5%0.5x points
  71. CIBC Aventura Visa (Student)Base rate
    ≈0.5%0.5x points
  72. CIBC USD Aventura Gold VisaBase rate
    ≈0.5%0.5x points
  73. RBC Cash Back MCBase rate
    0.5%0.5% back
  74. More Rewards VisaBase rate
    ≈0.45%3x points
  75. BMO Blue Rewards MastercardBase rate
    ≈0.34%0.5x points

Business cards

  1. Amex Aeroplan Business ReserveBase rate
    ≈2.5%1.25x points
  2. Amex Business PlatinumBase rate
    ≈2.5%1.25x points
  3. Amex Business Gold RewardsBase rate
    ≈2%1x points
Show all 4 business cardsShow fewer
  1. Marriott Bonvoy Business AmexBase rate
    ≈1.8%2x points

Values are cash-back equivalents: percentage rates as stated, and points at CardTruth's estimated point value (each teardown's Points & Redemption section explains it). Rates come from each card's terms; welcome offers aren't included. Confirm current rates with the issuer before you rely on them.