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4 Best Credit Cards for Streaming Services: Netflix, Hulu, Amazon Prime

Published Mar 03, 20215 min read

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At a glance

Streaming service content is on the rise, and so are the credit cards that offer rewards for them. There are quite a few to choose from, some with annual fees and some without, some that offer cash back or miles, and some with a variety of useful benefits.

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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 Meaning another monthly charge withdrawn from your bank account.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.

Quick Guide

What Streaming Services Are Eligible?

Eligible streaming services usually include, but may not be limited to:

Netflix Audible
HBO Max Showtime
Disney+ Pandora
Hulu Peacock
ESPN+ Crunchyroll
Amazon Video Vudu
YouTube Premium SiriusXM
Spotify Sling TV
Apple Music Cinemax
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

Blue Cash Preferred® Card from American Express

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$0 introductory annual fee for the first year, then $95
Regular APR13.99% - 23.99% Variable
Apply Now

securely on the issuer's website

  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 introductory annual fee for one year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.

American Express is a Credit Card Insider advertiser.

The Blue Cash Preferred® Card from American Express (Review) offers the highest cash back rate for streaming services of any card.

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.

Spending Rewards
  • 6% cash back:
    • U.S. supermarkets (up to $6,000 spent annually, then 1%)
    • Select U.S. streaming services
  • 3% cash back:
    • U.S. gas stations
    • Transit
  • 1% cash back on all other purchases
Introductory Bonus
  • $300 statement credit for spending $3,000 in the first 6 months
Insider tip

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.

Key Features

  • Amex Offers: You’ll have access to extra cash back at a wide variety of merchants, and the selection changes now and then (offers are limited; enrollment required).
  • Entertainment Access: Provides pre-sale tickets to a variety of sports, music, and cultural events, as well as access to certain exclusive experiences
  • Lowest Hotel Rates Guaranteed: If you book an eligible prepaid hotel room through Amex Travel and then find the same room being advertised online for a lower price, you can be refunded for the difference. You must submit your claim before the check-in date, and be sure to check your card details because some restrictions apply.
  • Complimentary ShopRunner membership: Cardholders will have access to free two-day shipping and returns through the ShopRunner service.
  • Shopping protections: Purchase protection, return protection, and extended warranty
  • Travel protections: Rental car 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

Blue Cash Preferred® Card from American Express (Rates & Fees)

More Cards With High Rewards

  • The U.S. Bank Cash+™ Visa Signature® Card 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

Chase Freedom Flex℠

Min. credit levelGood
Details
Annual Fee$0
Regular APR14.99% - 23.74% Variable

The Chase Freedom Flex℠ (Review) is one of the most rewarding and versatile cards around, all for no annual fee. It features both static and rotating rewards.

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.

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
  • 5% cash back in rotating categories, up to $1,500 in spending each quarter, then 1%
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
Insider tip

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.

Key Features

  • 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

Best for Streaming Benefits

U.S. Bank Altitude® Go Visa Signature® Card

Min. credit levelExcellent
Details
(Rates & Fees)
Annual Fee$0*
Regular APR14.99% - 23.99%* Variable
Apply Now

securely on the issuer's website

  • Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That’s a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
  • Earn 4X points on takeout, food delivery and dining
  • Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
  • $15 credit for annual streaming service purchases such as Netflix and Spotify
  • No annual fee*
  • 1X point per $1 on all other eligible purchases
  • Low Introductory APR on purchases and balance transfers
  • Points never expire

The U.S. Bank Altitude® Go Visa Signature® Card (Review) has a pretty rare perk for a no annual fee credit card.

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.

Spending Rewards
  • 4X points per dollar at Restaurants
  • 2X points per dollar for:
    • Grocery stores
    • Grocery delivery
    • Streaming services
    • Gas stations
  • 1X point per dollar on all other purchases
Introductory Bonus
  • 20,000 bonus points for spending $1,000 in the first 90 days

Key Features

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

Best for Flat-Rate Cash Back

Citi® Double Cash Card - 18 month BT offer

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR13.99% – 23.99% (Variable)
Apply Now

securely on the issuer's website

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Citi is a Credit Card Insider advertiser.

The Citi® Double Cash Card – 18 month BT offer (Review) is one of the best flat-rate cash back cards available. It provides solid rewards for everything you buy with no annual fee.

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.

Spending Rewards
  • 2% cash back for every purchase (must pay at least the minimum due on time):
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase

Key Features

  • 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

Frequently Asked Questions

What card offers the best rewards for streaming?

The Blue Cash Preferred® Card from American Express (Review) offers the highest reward rate for streaming, clocking in at 6% cash back for eligible U.S. streaming services.

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.

See more streaming services that may be eligible here.

Read more Best Cash Back Credit Cards of April 2021
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For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

Written by

Evan Zimmer

Evan graduated from SUNY Oswego with a degree in journalism and creative writing. In his professional writing career, he strives for precision and comprehension in his work. He’s written news articles, blog posts, and copy, working across a slew of different mediums. With in-depth research and great care for accuracy and detail, he now works to bring you the most up-to-date credit information.

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