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Streaming services are a popular bonus category for many credit cards. If you're paying for a handful of streaming services, you might as well get some cash back for it. Here's a list of cash back credit cards that give the best rewards for streaming services.
Best Cash Back Credit Cards for Streaming Services
Best Cash Back Credit Cards for Streaming Services
We’ve uncovered the best credit cards for streaming services below. While Netflix and Hulu may not cost a fortune each month, every penny adds up. If you can earn bonuses for something as simple as watching TV, why not take advantage?
Blue Cash Preferred® Card from American Express
There are two ways to earn money back on streaming services with the Blue Cash Preferred® Card from American Express. First, you can earn 6% cash back for each dollar you spend on streaming services. You can also earn 6% cash back when buying gift cards for streaming services from your favorite grocery stores (subject to the spending caps below).
The list of eligible streaming services with Blue Cash Preferred is extensive and includes:
Music streaming including Amazon Music, Apple Music, Pandora, and Spotify
Television streaming including DirecTV Stream, Disney+, Peacock, Prime Video, Netflix, Peacock, Showtime, and more
Book streaming, including Audible and Kindle Unlimited
Rewards:
1% cash back
On all other eligible purchases
1% cash back on all other eligible purchases
3% cash back
Gas
3% cash back at U.S. gas stations
3% cash back
Transit
3% cash back on transit, such as taxis, rideshare, parking, tolls, trains and buses
6% cash back
U.S. supermarkets
6% cash back on groceries up to $6,000 per year in purchases at U.S. supermarkets, then 1%
6% cash back
Streaming services
6% cash back on select U.S. streaming subscriptions
If you have excellent credit, it’s hard to beat the 6% back on groceries, especially with inflation. Plus, you get 6% cash back on streaming services. If you have a large family or spend a lot on groceries and streaming, this card packs quite a punch.
Annual fee: $0 intro annual fee for the first year, then $95.
Welcome bonus: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
0% Intro APR: 0% on purchases for 12 months from the date of account opening, then a variable APR of 19.24% - 29.99%.
U.S. Bank Cash+® Visa Signature® Card allows cardholders to choose two bonus categories quarterly that they earn 5% back on each month. Among the eligible categories are TV, Internet, and streaming services. The reward is available on up to $2,000 in spending quarterly.
U.S. Bank doesn’t list which streaming services are included, but it does include internet, cable, and streaming for maximum cash back.
Rewards:
1% cash back
On all other eligible purchases
1% cash back on all other purchases
2% cash back
Rotating Categories
2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants
5% cash back
Rotating Categories
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
5% cash back
Airfare
5% cash back on prepaid air booked directly in the Rewards Center
5% cash back
Hotels
5% cash back on prepaid hotels booked directly in the Rewards Center
5% cash back
Rental Cars
5% cash back on prepaid car reservations booked directly in the Rewards Center
This card is good for anyone that likes to switch up their cash back earnings to accommodate their current spending. For example, you might spend more on streaming in the winter months. But in the summer months, you might spend more on fast food, clothing, or gyms.
Annual fee: $0
Signup bonus: $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
0%Intro APR: 0% APR for the first 15 billing cycles on purchases and for the first 15 billing cycles on balance transfers. After that, a variable APR currently 19.74% - 29.74%.
5% Cash Back When Paying For Subscriptions via Amazon
It’s no surprise that the Amazon Prime Visa pays cardholders its largest rewards for Amazon streaming services, namely Amazon Prime. While Amazon Prime technically isn’t a streaming service, it comes with the rights to Amazon Video and Amazon Music. So it’s like getting cash back for your streaming services.
However, you only get 5% cash back for Amazon Prime, no other streaming services outside of Amazon.
Rewards:
1% cash back
On all other eligible purchases
Earn unlimited 1% back all other purchases anywhere Visa is accepted.
2% cash back
Dining
Earn 2% rewards at Earn unlimited 2% back at restaurants, whether you dine in or take out.
2% cash back
Gas
Earn unlimited 2% back at gas stations.
2% cash back
Transit
Earn unlimited 2% back on local transit and commuting, including rideshare.
5% cash back
Select Categories
Earn unlimited 5% back at Amazon Fresh online or in-store at any Amazon Fresh locations with an eligible Prime membership.
5% cash back
Select Categories
Earn unlimited 5% back at Whole Foods Market online or in-store at any Whole Foods Market locations with an eligible Prime membership.
5% cash back
Select Categories
Earn unlimited 5% back on your Amazon.com purchases with an eligible Prime membership.
5% cash back
Travel
Earn unlimited 5% back on Chase Travel purchases with an eligible Prime membership.
10% cash back
Select Categories
Eligible Prime cardmembers earn 10% back or more on a rotating selection of items and categories on Amazon.com.
If your streaming service of choice is Amazon Prime, then the Amazon Prime Visa makes sense. If nothing else, you’ll likely at least earn back the cost of Amazon Prime each year. But most people earn much more than that. Especially if they shop at Amazon or Whole Foods frequently.
Annual fee: $0, but you must be an Amazon Prime member to get it, which costs $139 annually
Signup bonus: As a Prime member, get a $100 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance upon approval of your credit card application.
If you love snuggling up on the couch with a great movie and your favorite takeout, the Capital One SavorOne Cash Rewards Credit Card may reward you for what you love the most. It pays 3% back on streaming services and dining. So you could earn some decent cash back and enjoy yourself too.
Rewards:
1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
U.S. supermarkets
3% cash back at grocery stores excluding superstores like Walmart® and Target®
3% cash back
Streaming services
3% cash back on popular streaming services
3% cash back
Dining
3% cash back on dining
3% cash back
Entertainment
3% cash back on entertainment
5% cash back
Travel
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
8% cash back
Entertainment
Earn 8% cash back on Capital One Entertainment purchases
10% cash back
Select Categories
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
The Capital One SavorOne Cash Rewards Credit Card is great if you spend most of your money on groceries, dining out, and streaming services. It’s unusual for a card to pay a higher percentage for all three of these top categories.
Annual fee: $0
Signup bonus: $200 Cash Back after you spend $500 on purchases within 3 months from account opening
0% Intro APR: 0% APR on purchases for 15 months and on balance transfers for 15 months, then a variable APR of 19.99% - 29.99%
Citi® Double Cash Card - 18 month BT offer (Up to 2% Cash Back on All Purchases)
If you’re the type that prefers to have one credit card to keep things simple, the Citi® Double Cash Card - 18 month BT offer is a good option. It pays a flat 2% across all purchases, no matter the category, including streaming.
While it might not be the highest percentage, it’s the best option when you only want one card.
Rewards:
2% cash back
All eligible purchases
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
The Citi® Double Cash Card - 18 month BT offer is good for those who pay their balances off in full each month. Citi pays 1% cash back when you make a purchase and another 1% back when you pay it off. You must pay your balance in full to get your rewards right away, which can be a good incentive for those who tend to carry a balance.
Annual fee: $0
Signup bonus: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro APR: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
Citi Custom Cash® Card gets you 5% cash back on the category you spend the most money in, up to $500 per month. What's nice about this card is that you don't have to keep track of rotating categories or remember to enroll in anything: Citi does all of that for you. So, if you spend the most on streaming services, you get an automatic 5% cash back.
Rewards:
1% cash back
On all other eligible purchases
Earn unlimited 1% cash back on all other purchases.
5% cash back
Select Categories
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
Annual Fee: $0
Signup Bonus: Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
Intro APR: Get 0% APR on purchases and balance transfers for the first 15 months
Chase Sapphire Preferred® Card packs a lot of value, particularly for travel rewards, but it also offers other benefits. One of those is 3x points on select streaming services, which includes Apple Music, Apple TV, Disney+, ESPN+, Fubo TV, Max, Hulu, Netflix, Pandora, Paramount+, Peacock, Showtime, SiriusXM, Sling, Spotify, YouTube Premium, YouTube TV and Vudu. And you get a lot of other great benefits as well.
Rewards:
1x points
On all other eligible purchases
1x points on all other purchases.
2x points
Travel
2x points on travel not booked through Chase Ultimate Rewards, such as airfare, hotels, taxes and trains.
3x points
U.S. supermarkets
Earn 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
3x points
Streaming services
Earn 3x points on select streaming services.
3x points
Dining
3x points on dining, including eligible delivery services, takeout and dining out.
5x points
Travel
5x points on travel purchased through Chase Ultimate Rewards.
Annual Fee: $95
Signup Bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
If your preferred streaming services come from Apple, pay with the Apple Card, and you’ll automatically earn 3% back. This includes Apple Music and Apple TV+, not just Apple products.
Rewards:
1% cash back
On all other eligible purchases
1% cash back on purchases made with the Apple Card.
2% cash back
All eligible purchases
2% cash back on purchases when you use your Apple Card with Apple Pay.
3% cash back
Select Categories
3% cash back on goods or services when you use your Apple Card with Apple Pay on purchases directly from Apple. These include purchases from Apple retail stores, the Apple online store, iTunes, Apple Music and other Apple-owned properties. App Store purchases (including In-App Purchases ).
3% cash back
Select Categories
3% cash back on select merchants when you use your Apple Card with Apple Pay: Ace Hardware, Duane Reed, Exxon, Mobil, Nike, T-Mobile, Panera Bread, Uber, Uber Eats, Walgreens
If you’re an Apple fan and don’t stream any other services, the Apple Card is a great way to maximize your cash back on your streaming service and get the cash in real time to pay next month’s bill.
You probably wouldn't want to get the The Platinum Card® from American Express just for streaming, but if you're in the market for a premium travel card that happens to have a great deal on streaming, this card makes sense. Not only do you get a $20 statement credit every month to cover eligible purchases on Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal, but you also get the cost of a Walmart+ subscription as a statement credit. Walmart+ gets you a subscription to Paramount+ (among other things). The annual fee is high, but if you're going to get a premium travel card anyway, the streaming deals definitely sweeten the pot.
Rewards:
1x points
On all other eligible purchases
1x on all other purchases
5x points
Airfare
5x points on flights booked directly with airlines or with American Express Travel, on up to $500,000 on these purchases each calendar year
5x points
Hotels
5x points on prepaid hotels booked on amextravel.com
Annual Fee: $695
Welcome Bonus: Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
Capital One Venture X Rewards Credit Card is another not-so-obvious choice when it comes to streaming benefits. But if you need a travel card, you can take advantage of the 2x miles you get on every purchase (including streaming) and apply those miles to rental cars, hotels, and airfare.
Rewards:
2x miles
On all other eligible purchases
2 Miles per dollar on every purchase, every day
5x miles
Airfare
5 Miles per dollar on flights booked through Capital One Travel
10x miles
Hotels
10 Miles per dollar on hotels booked through Capital One Travel
10x miles
Rental Cars
10 Miles per dollar on rental cars booked through Capital One Travel
Annual Fee: $395
Signup Bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
We carefully curated our list of the top credit cards for streaming services. We look at not only the rewards earned for streaming services but also the annual fee. Plus, we consider any 0% introductory APR and other benefits the card offers to help you get the most out of your rewards.
Tips for Using Credit Cards to Pay For Streaming Services
Build your credit – Charging your streaming services can help you build credit. Keep the amount you charge low, and pay the balance off in full each month. This helps build your credit with a solid payment history. It also shows proper use of your credit, both of which can help you improve your credit score.
Only pay for subscriptions you use – Be careful when setting up autopay for any subscriptions, including streaming. It’s easy to forget what you signed up for each month. Instead, review your credit card statements monthly and cancel any unused subscriptions right away. If you aren’t sure which subscriptions you signed up for, try a subscription-canceling app such as Truebill.
Choose a card that works best for you – It doesn’t make sense to pay an annual fee for a credit card you don’t use for its full benefits. Know what a card offers and determine if it fits what you need and will use. If you don’t need a lot of bells and whistles and prefer a simple card with good cash back, consider the Citi® Double Cash Card - 18 month BT offer we mentioned above.
Final Thoughts
Who knew it pays to watch TV or listen to music? Well, that's not exactly true. But it can be worth charging your streaming bills to your credit cards.
This is a great way to charge a small amount to your credit card each month and pay it off. It's also an easy way to practice responsible credit card use. Plus, you'll earn some cash back. You can't go wrong with any of the cards on this list. Simply choose the one that best matches your spending style.
Samantha Hawrylack is the owner of SJ Digital Solutions and How To FIRE. She writes about finance, investing, real estate, credit, and many more topics. Before becoming a full-time entrepreneur, she was a brokerage investment professional in the financial services industry.
