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Concerts let you experience your favorite musical artists with a community of like-minded fans in a live setting. Live music fanatics know the thrill of the concert experience, and they’re constantly watching to secure tickets for the best shows.
Whether you prefer bombastic arena events or intimate venues, you could benefit from a credit card that helps connect you with tickets. Some cards can help you hit shows from your favorite artists and earn rewards for everyday spending.
1. Citi ThankYou Preferred Card
Rewards: Two points per dollar spent on dining and entertainment, one point per dollar spent on everything else
Signup Bonus: 15,000 bonus points when you spend $1,000 in the first three months
Annual Fee: None
Annual Percentage Rate (APR): 0% for 15 months on purchases and balance transfers and then 15.24% – 25.24% (Variable) ongoing APR.
Why We Picked It: Dining and entertainment purchases earn double points, and cardholders get access to presale tickets and VIP concert packages.
Benefits: This card earns two points for every dollar spent on dining and entertainment, which includes live concerts, record store purchases and music streaming services. Other purchases earn one point per dollar. Points can be redeemed for dining, entertainment, retail goods and more. Plus, with Citi Private Pass, cardholders get access to tickets for thousands of annual events, including concert presales and VIP packages.
Drawbacks: If you tend to prefer cheaper shows and don’t dine out often, you won’t be taking full advantage of the double points. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)
Rewards: Two points per dollar spent on travel and dining, one point per dollar spent on everything else
Signup Bonus: 80,000 bonus points when you spend $4,000 in the first three months from account opening
Annual Fee: $95
APR: 15.99% - 22.99% Variable
Why We Picked It: Cardholders can get presale tickets and exclusive access to many live music events in New York City.
Benefits: Cardholders earn double points for every dollar spent on dining and travel and one point per dollar spent on everything else. Points can be redeemed in many ways, but the greatest value is reserved for travel redemptions made through Chase’s booking platform. Chase Inside Access grants VIP access and presales to exclusive events at venues including Madison Square Garden, Radio City Music Hall and the Beacon Theater.
Drawbacks: When it comes to concerts, Chase is primarily focused on New York City venues, so if you aren’t an NYC local (or reasonably nearby) you may want to look elsewhere. The card’s greatest value is also reserved for frequent travelers.
Rewards: Two points per dollar on up to $6,000 a year spent at U.S. supermarkets, one point per dollar spent on everything else
Welcome Offer: $150 statement credit when you spend $1,000 in the first three months. (See rates and fees here.)
Annual Fee: $0
APR: 0% for 15 months on purchases then 13.99%-23.99% Variable
Why We Picked It: Card Members have exclusive access to tickets before the general public during a specific sales window – just use your card to pay for the purchase.
Benefits: Cardholders earn double points for U.S. supermarket purchases and one point on the dollar everywhere else. American Express customers often get access to presale tickets and special events when buying tickets through the Membership Experiences website. Plus, points can easily be redeemed directly with Ticketmaster for ticket purchases.
Drawbacks: The card’s points system is only valuable to those who spend a lot on groceries.
How to Choose a Card for Live Music
Credit cards for music lovers should reward cardholders as they spend and grant special access to tickets and events.
When evaluating cards for your live music habit, look at the purchase types that earn the most rewards. You’ll want to choose a card that incentivizes the type of purchases you already make.
You’ll also want to look at the types of events and tickets your card can help you access before you take the plunge and apply. The events should reflect your live music preferences. If they don’t, you probably won’t get much use out of them.
One last thing to keep in mind is that most “exclusive” ticket programs are available through all or many of the credit cards offered by the issuer. If the main appeal is access to these programs, look at all available cards from the issuer. Chances are, they’ll have a card that fits your lifestyle.
What Is Required to Get a Card for Concerts?
Cards that provide live music rewards often require good to excellent credit. You should be aware of where your credit stands before you apply. A hard inquiry from a credit card application can cause your credit score to dip a few points. If you aren’t sure where your credit stands, you can check two of your credit scores for free at Credit.com.
At publishing time, the Citi ThankYou Preferred Card and Amex EveryDay Card from American Express are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).
Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.