Credit cards that offer rewards for popular streaming services like Netflix and Hulu have been turning up more and more. And just in time, too.
Between Disney’s new Marvel and Star Wars lineups, HBO’s box office movie deals, Amazon’s upcoming Lord of the Rings series, and the slew of series and movies Netflix has been churning out, it’s safe to say the age of streaming is in full swing. But unfortunately, each one requires its own subscription plan. Meaning another monthly charge withdrawn from your bank account.
If you, like me, are (for better or worse) a fan of all of this new content, your monthly bill is probably getting a little higher than you’d like. With the cards compiled here, you could get a little money back for your binge-watching habits.
|Highest Reward Rate||Blue Cash Preferred® Card from American Express (Review)|
|Rotating Reward Categories||Chase Freedom Flex℠ (Review)|
|Streaming Benefits||U.S. Bank Altitude® Go Visa Signature® Card (Review)|
|Flat-Rate Cash Back||Citi® Double Cash Card – 18 month BT offer (Review)|
What Streaming Services Are Eligible?
Eligible streaming services usually include, but may not be limited to:
|Apple TV+||TIDAL Music|
To find which services are eligible for your credit card, you can check the card issuer’s website, read the terms that came with your card, or contact customer support.
Best for Highest Reward Rate
And while it does have an annual fee, its other bonus categories do a good job of covering for it. Between the rewards you’ll earn from streaming, U.S. supermarket purchases, and U.S. gas station purchases, you should be able to cover it pretty easily. Redeem that cash back for statement credits and you’ll likely barely notice that fee.
Even if you have just two streaming services that sit around $15 per month for a total of $30, you’d get $1.80 back in your pocket. Now that may not seem like much, but over the course of a year that adds up to $21.60, which covers almost a month of subscriptions. And if you, like me, have more than just two streaming subscriptions, you’ll get even more back.
If your credit card has bonus categories for grocery stores, gas stations, department stores, or anywhere else that sells gift cards, but not for streaming services, there’s a way you can still earn good rewards for your favorite platforms.
If you head to the grocery store, for example, and buy a Netflix gift card, your reward rate at grocery stores will typically apply to the purchase. That means you’ll effectively be getting your grocery store reward rate for Netflix. This trick applies to any gift card the store might carry.
- Amex Offers: Find offers for extra cash back at a changing selection of merchants.
- $120 Equinox+ Credit: Get up to $10 per month for a stand-alone monthly membership to the Equinox+ app. Will not apply if you purchase the membership through the Equinox app or a third party.
- ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
- Shopping protections: Return Protection, Extended Warranty, Purchase Protection
- Travel protections: Car Rental Loss and Damage Insurance, Global Assist Hotline
- Purchase APR: 0% for 12 months, then 13.99% - 23.99% Variable
- Annual fee: $0 introductory annual fee for the first year, then $95
Enrollment required for select benefits; terms and limitations apply.
Blue Cash Preferred® Card from American Express (Rates & Fees)
More Cards With High Rewards
- The U.S. Bank Cash+™ Visa Signature® Card (Review) gives you more flexibility in where you can earn than most cards. You can choose two 5% cash back categories (good for your first $2,000 in combined purchases each quarter), and one of your choices is streaming services.
- The Wells Fargo Propel American Express® card (Review) offers 3X points per dollar for eligible streaming services. And because your points are worth 1 cent, it gives a 3% cash back equivalent.
- The Amazon Prime Rewards Visa Signature Card (Review) features 5% cash back for Amazon Prime Video purchases (and Amazon Prime), so if that’s your only streaming service, this would be a good card to choose. This version of the card requires an Amazon Prime membership.
Best for Rotating Reward Categories
Every quarter you’ll get a new selection of 5% cash back reward categories. They cover a wide array of purchases, which can occasionally include select streaming services. This can be a very rewarding card for streaming, when that category becomes available. Outside of those three months, however, you’ll only earn 1% cash back for your streams.
Some subscription services let you prepay for the full year, or half the year, at a time. That means if you choose a card with rotating categories, when the streaming services category comes around, you could pay for more than just one month at a time in order to maximize your rewards.
As of February 2021, HBO will let you prepay for six months, Hulu lets you pay for a year, and you can pay for a full year of Amazon Prime which includes Amazon Video.
- Three-month DoorDash membership: Subscribe for a free DashPass for three months, which provides free shipping and reduced service fees on orders over $12. You’ll be automatically enrolled in DashPass for 50% off for the next nine months.
- Shop through Chase/Chase Offers: Earn extra cash back and find discounts with select retailers.
- Chase Credit Journey: Monitor your credit with free access to your VantageScore 3.0, based on your TransUnion credit report, and receive helpful insight into the factors influencing the score.
- Shopping protections: Purchase protection and extended warranty
- Travel protections: Travel and emergency assistance services, roadside dispatch, rental car insurance, and trip cancellation/interruption insurance
- Purchase APR: 0% for 15 months, then 14.99% - 23.74% Variable
- Annual fee: $0
Another Option With Rotating Categories
- The Discover it® Cash Back (Review) is another card with quarterly rotating categories that occasionally features streaming services. When that category becomes available, you’ll earn 5% cash back for eligible streaming platforms. And for your first year with the card, Discover will double what you earn. The Discover it® Student Cash Back (Review) has the same reward program. (5% cash back is available up to $1,500 spent per quarter, then 1%; activation required)
Best for Streaming Benefits
Once a year you’ll get a $15 credit you can put towards your streaming service bill. You’ll need to use your card to pay for a streaming service for 11 consecutive months in order to qualify, however. But once you hit that mark, you’ll have $15 less to worry about. It’s a unique aspect to a pretty solid (literally, this card is metal!) credit card.
In addition to the annual streaming credit, you’ll earn 2X points per dollar on eligible streaming services. Your points are worth 1 cent, so that works out to a 2% cash back equivalent. If your streaming bill is $30, that means you’d earn $7.20 for the whole year. That would increase to $22.20 once you factor in the annual streaming credit.
The U.S. Bank Altitude Go is a Visa Signature card, so it’ll likely come with a selection of shopping and travel protections among other perks. However, U.S. Bank doesn’t specifically disclose what those will be. Below are the benefits we can say for sure will come with your card. For the others, you’ll need to check your Guide to Benefits that comes with your card.
- Annual $15 streaming credit: As long as you’ve made 11 consecutive monthly streaming service payments, whether they be for Netflix, Hulu, Spotify, Amazon Music, or others, you’ll qualify for an annual $15 streaming credit.
- Check one of your credit scores: View your VantageScore 3.0 credit score based on your TransUnion credit report, anytime you like.
More Cards With Useful Benefits
- The Journey Student Rewards from Capital One (Review) features a one-time $60 streaming credit. And despite its name, it’s actually available to everyone, not just students. As long as you’re paying your bill on time, you’ll get $5 per month for 12 months to help fund all of your binge-watching needs (monthly subscriptions only).
- The Amazon Prime Rewards Visa Signature Card (Review) deserves another mention here for its nice selection of shopping and travel protections, as well as its Visa Signature concierge and Luxury Hotel Collection.
Best for Flat-Rate Cash Back
That’s what makes flat-rate cards so useful. Not only can they be decently rewarding no matter your spending habits, with no bonus categories to keep track of, but they also pair well with other cards. If you choose a rotating categories card or a rewards card with specific bonus categories, you can pair it with a flat-rate card to make sure you earn good rewards for every purchase.
If you use this card for your $30 bill for 12 months, you’d walk away with $7.20 in your pocket.
- Free FICO credit score: See your Equifax-based FICO Bankcard Score 8 on statements, online, and by mobile app.
- Citi Concierge: Get restaurant suggestions, reservations, travel arrangements, shopping research, and more.
- Citi Entertainment: Get preferred access and pre-sale tickets to events and experiences, from music to movies.
- Purchase APR: 13.99% – 23.99% (Variable)
- Balance Transfer APR: 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable)
- Annual fee: $0
More Flat-Rate Rewards Cards
- The PayPal Cashback Mastercard® (Review) provides 2% cash back for every purchase you make, including your streaming subscriptions. However, you’ll need a PayPal account to get this card.
- The Chase Freedom Unlimited® (Review), in addition to providing a few bonus categories, earns 1.5% cash back for all other purchases.
- The Capital One Quicksilver Cash Rewards Credit Card (Review) is a decent rewards card that would net you 1.5% cash back for all of your streaming needs.
- The Capital One Venture Rewards Credit Card (Review) offers 2X miles per dollar for all of your purchases. But unlike the other options here, this travel rewards card asks for an annual fee ($95).
Frequently Asked Questions
What card offers the best rewards for streaming?
What card has the best benefits for streaming?
Streaming perks are rare, but the U.S. Bank Altitude® Go Visa Signature® Card (Review) features the best benefit for streaming. It offers an annual $15 streaming credit, provided you pay for 11 consecutive months of a streaming subscription.
Another option is the Journey Student Rewards from Capital One (Review), which provides a one-time $60 streaming credit. It’s broken up into $5 per month for 12 months, provided you pay your bill on time.
What streaming services are eligible?
It depends on your particular card and issuer, but eligible streaming services may include: Netflix, Hulu, Amazon Video, Disney+, ESPN+, HBO Max, YouTube TV, Spotify, Apple Music, and Audible.Read more Best Cash Back Credit Cards of July 2021
For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.