The Ultimate Guide to Credit Cards
Tuesday, August 9, 2022

Best Credit Cards For Streaming Services

Best Credit Cards For Streaming Services

credit card advice

Eric Bank

Written by: Eric Bank

Eric Bank

Eric Bank has been covering business and financial topics since 1985, specializing in taking complex subject matters and explaining them in simple terms for consumer audiences. In addition to his work on CardRates.com, Eric has appeared regularly on Credible.com, eHow, WiseBread, The Nest, Get.com, Zacks, Chron and dozens of other outlets. A former software engineer, Eric holds an M.B.A. from New York University and an M.S. in finance from DePaul University.

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Edited by: Ashley Dull

Ashley Dull

With more than a decade of experience as a content manager and marketer, Ashley has specialized in finance coverage since 2015. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media campaigns. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among others.

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Reviewed by: Danielle Spurlin

Danielle Spurlin

With more than 10 years of accounting experience, Danielle Marshall has a deep understanding of many financial disciplines, including personal and commercial lending, retirement annuitities, financial forecasting, and general bookkeeping. She has a bachelor's degree from the University of Florida's Fisher School of Accounting and currently manages all accounts receivable and payable for the parent company of CardRates.com. She works directly with credit card issuers and advertising partners to ensure our content meets compliance expectations and regulatory standards.

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Advertiser Disclosure

COVID-19 changed the world in so many ways, including boosting the popularity of the best credit cards for streaming services. During the movie theater shut down, folks fought cabin fever by increasing their consumption of on-demand streaming video. 

About 85% of US households subscribe to at least one streaming service, and the share of subscribers using five or more services has quadrupled since 2019.

Against this backdrop, several credit cards for folks with a high credit score added bonus rewards for streaming services. If you’re shelling out hundreds per year on Netflix, HBO Max, and the other on-demand services, you have good reason to consider a rewards card that will subsidize your viewing. Our review of the best credit cards for streaming services follows.

Best Cards For Streaming Services

These cards offer reward rates of at least 2% cash back (or 2X points) when you use them to pay for streaming services. That’s good, since several on-demand services charge more than $10/month. Own one of these cards and enjoy first-class rewards with your first-class entertainment.

Blue Cash Preferred® Card Review

at the issuer’ssecure website

  • Earn $400 back in the form of a statement credit after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership.
  • Earn 6% cash back at U.S. supermarkets on up to $6,000 per year on purchases (then 1%). Also earn 6% cash back on select U.S. streaming subscriptions.
  • Earn 3% cash back on transit, including U.S. gas stations, taxis/rideshare, parking, tolls, trains, buses, and more. All other purchases earn 1% cash back.
  • $120 Equinox Credit – Use your Blue Cash Preferred Card to pay for Equinox+ at equinoxplus.com and receive $10 in monthly statement credits. Enrollment required.
  • 0% intro APR for 12 months from the date of account opening, then a variable APR applies
  • $95 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
15.49% – 25.49% Variable
$95
Excellent Credit

The Blue Cash Preferred® Card from American Express rewards you with the industry’s highest cash back rate when you use it to charge eligible US-based streaming subscriptions. More than two dozen services qualify for the rewards. The bonus rewards may not be available for bundled or third-party subscriptions. 

BEST OVERALL RATING

★★★★★

4.8

OVERALL RATING

4.8/5.0
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • 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
  • Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 16.49% – 26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
16.49% – 26.49% (Variable)
$0
Excellent, Good

The Capital One SavorOne Cash Rewards Credit Card offers unlimited cash back when you use the card to pay for an eligible streaming service. The services qualifying for the reward include Apple.com, iTunes, Apple Music, Bandcamp, DirecTV, Disney+, ESPN+, FuboTV, HBO Now, Hulu, Netflix, Peacock, Sirius XM, Sling TV, Spotify, Starz Entertainment, and Tidal.

BEST OVERALL RATING

★★★★★

4.6

OVERALL RATING

4.6/5.0
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • Limited Time Offer: Earn $100 when you spend $100 in the first three months
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • You can help build your credit with responsible use of a card like this
  • Be automatically considered for a higher credit line in as little as 6 months
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.49% – 26.49% (Variable)
$0
Average, Fair, Limited

The Capital One SavorOne Student Cash Rewards Credit Card offers the same streaming service rewards as its non-student doppelganger. That’s nice if you have a TV in your dorm room, but it doesn’t help much if you do your viewing in the student lounge.

Chase Sapphire Preferred® Card Review

at Chase’ssecure website

BEST OVERALL RATING

★★★★★

4.7

OVERALL RATING

  • 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®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% – 24.49% Variable
$95
Good/Excellent

The Chase Sapphire Preferred® Card jumped on the streaming bandwagon in August 2021 by adding bonus Chase Ultimate Reward points for select streaming services. Initially omitting HBO Max, Showtime, Paramount+, and Peacock, the card filled the gap in January 2022 by adding these and others to the list of eligible streaming services. 

The Platinum Card® Review

at the issuer’ssecure website

BEST OVERALL RATING

★★★★★

4.7

OVERALL RATING

  • Earn 100,000 Membership Rewards® points after you use your new card to make $6,000 in purchases in your first 6 months of Card Membership
  • Earn 5X Membership Rewards® points for flights booked directly with airlines or with American Express Travel, on up to $500,000 on these purchases per calendar year. Also earn 5X Membership Rewards® points on prepaid hotels on AmexTravel.com. Earn 1X points on all other purchases.
  • $200 annual hotel credit, $200 annual airline fee credit, $25 monthly Equinox credit, $15 monthly Uber cash credit, $50 bi-annual Saks Fifth Avenue credit, and more.
  • Platinum Card Members have unlimited complimentary access to all locations of The Global Lounge Collection, including 1,400 airport lounges across 650 cities.
  • Automatic Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status. Enrollment required.
  • Choose among three card designs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% – 24.49% Pay Over Time
$695
Excellent

The Platinum Card® from American Express provides statement credits each month when you use it for eligible purchases on Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, and SiriusXM. This perk can save hundreds of dollars each year. You must purchase these streaming services directly from their providers.

BEST OVERALL RATING

★★★★★

4.7

OVERALL RATING

  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness.
  • 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. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% 15 months Purchases and Balance Transfers
0% 15 months Purchases and Balance Transfers
16.24% – 26.24% (Variable)
$0
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

Citi Custom Cash℠ Card lets you choose a bonus category (including streaming services) for its top ThankYou Points rewards rate. Eligible cable, satellite, and streaming providers include Amazon Prime Video, Amazon Music, Apple Music, CBS All Access, Disney+, AT&T TV NOW, ESPN+, fuboTV, HBO Max, NBA League Pass, Netflix, Pandora, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal.

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

at the issuer’ssecure website

BEST OVERALL RATING

★★★★★

4.6

OVERALL RATING

  • Earn 20,000 bonus points when you spend $1,000 in the first 90 days of account opening. That’s a $200 value redeemable toward merchandise, gift cards, cash back, travel, and more. Points never expire.
  • Earn 4X points on dining, takeout, and restaurant delivery
  • Earn 2X points at grocery stores, grocery delivery, streaming services, gas stations, and EV charging stations  — all other purchases earn 1 point per $1
  • Enjoy a 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies
  • $15 credit for annual streaming service purchases such as Netflix, Apple TV, Spotify, and more.
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 billing cycles
0% for 12 billing cycles
16.49% – 25.49% (Variable)
$0
Good/Excellent

The U.S. Bank Altitude® Go Visa Signature® Card offers bonus rewards on more than 30 eligible streaming services. You also receive a modest statement credit each year you put streaming service purchases on your card for 11 consecutive months. You’ll receive the credit within two billing cycles after fulfilling the requirement.

Hilton Honors American Express Aspire Card Review

at the issuer’ssecure website

BEST OVERALL RATING

★★★★★

4.6

OVERALL RATING

  • Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the card within your first 3 months of Card Membership
  • Earn 14X points on hotels and resorts in the Hilton portfolio
  • Earn 7X points on select travel, including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies, and at US restaurants, including takeout and delivery. Earn 3X points on everything else.
  • Enjoy complimentary Hilton Honors Diamond status with your Hilton Honors Aspire Card
  • Enjoy one weekend night reward with your new Hilton Honors American Express Aspire Card and every year after renewal. Plus, earn an additional night after you spend $60,000 on purchases on your card in a calendar year.
  • $450 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% – 26.24% (variable)
$450
Good/Excellent

Although it doesn’t have a special bonus reward for streaming services, we’ve included the Hilton Honors American Express Aspire Card because of its high default rewards rate on eligible purchases. This card should appeal to anyone who collects Hilton Honors Bonus Points. Hilton received the highest hotel score in the 2021 American Customer Satisfaction Index.

American Express® Gold Card Review

at the issuer’ssecure website

BEST OVERALL RATING

★★★★★

4.8

OVERALL RATING

  • Earn 75,000 Membership Rewards® points after you spend $4,000 on purchases on your new card in your first 6 months of card membership
  • Earn 4X Points at U.S. supermarkets on up to $25,000 per calendar year in purchases. Also earn 4X Points at restaurants, including takeout and delivery, and 3X points on flights when booked directly with airlines or on amextravel.com. All other eligible purchases earn 1X point.
  • Earn up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, Boxed and other participating partners. This can be an annual savings of up to $120. Enrollment required.
  • Delight your senses when you book The Hotel Collection with American Express Travel. Get a $100 experience credit to use during your stay. A minimum 2-night stay is required.
  • $250 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% – 24.49% Pay Over Time
$250
Excellent

The American Express® Gold Card is another example of a credit card without a bonus category of streaming services. But the card does offer a high Membership Rewards rate for purchases made at supermarkets, an excellent place to buy streaming service gift cards.

What Is a Streaming Service?

A streaming service delivers internet video and audio content from a server to a client without downloading media files. It allows you to watch non-broadcast TV and listen to podcasts on internet-connected devices. The server stores the streaming content in media files that it transmits in packets to client devices for playback.

Unlike downloading, which involves copying entire files from servers to clients, streaming transmits small chunks of content without storing files on the client device. Along the way, the server content voyages on the world wide web and your internet service provider (ISP) to reach your playback device  —  TV set, tablet, mobile phone, etc. 

The major streaming services, such as Netflix, HBO Max, ESPN, Paramount+, Disney+, Apple TV+, and dozens more, purchase or produce their content. You subscribe to a streaming service monthly to access its content, including movies, TV shows, and live events. Typical monthly charges range from $5 to $15, more or less. 

Examples of popular streaming services. Photo courtesy of AwardsWatch.com.

Streaming video services that charge a fee do not play commercials, although they often promote their content. Some services are free but interrupt their movies and shows with ads. 

You can subscribe to a streaming service using a credit card or other payment method. The card can source automatic payments to your streaming services to ensure uninterrupted access. 

Normally, you can cancel a service at any time, but the subscription usually continues until the end of the billing period. Some streaming services allow you to pay in quarterly to annual installments. 

Netflix is the largest streaming service, with more than 225 million subscribers worldwide. The remaining top five are Prime Video, Spotify, Disney+, and HBO Max. 

The ISPs are the cable companies that deliver internet content to your devices. Among the largest are Verizon, Cox, Spectrum, Optimum, and Frontier Communications. 

The ISPs connect (via a local area network or WiFI) to portable streaming dongles that plug into your playback devices. For example, Amazon Fire Stick connects to your TV’s HDMI port to deliver content from your streaming services. 

Cellphones use apps to play back streamed content. You need separate apps for different streaming services. You can watch streamed content on computers and tablets by browsing streaming service websites, such as netflix.com.

Do Credit Cards Have Special Offers For Streaming Services?

Several rewards credit cards offer bonus rewards when you use them to pay your streaming service bills. Bonus rewards for streaming services generally range from 2% cash back (or 2X points) to 6% (6X). 

Screenshot of the Blue Cash Preferred Card Landing Page
Some cards offer elevated rewards or reimburse you up to a certain amount when you use your card to pay for eligible streaming services.

Of course, credit cards are free to offer any promotions they want, so it may be possible to find even better deals.

Some rewards credit cards also offer a flat reward if you use them to pay a set number of consecutive monthly streaming service bills.

Can I Earn a Streaming Service Bonus Through a Shopping Portal?

Shopping portals let you earn bonus rewards on certain purchases, and some websites offer special deals on streaming service purchases. For example, the American Airlines AAdvantage eShopping portal offers bonus miles when you use it to subscribe to Hulu, Disney+, Sling TV, or ESPN+.

The Rakuten shopping portal offers rewards on subscriptions to Disney+. So do the RebatesMe portal, Amtrak Guest Rewards, Caesars Rewards Marketplace, Spirit Online Mall, and Wyndham Rewards Shopping sites. The rewards you earn through shopping portals supplement those from your credit cards.

Several credit card issuers offer special deals to help you save money and earn extra bonuses. For example, select American Express cards offer a one-time cash bonus when purchasing an annual HBO Max subscription

Which Is the Best Credit Card for Netflix?

The Blue Cash Preferred® Card from American Express offers the best credit card rewards for eligible streaming services, including Netflix. The cash back takes the form of Reward Dollars that you can redeem for a statement credit. 

Blue Cash Preferred® Card Review

at the issuer’ssecure website

BEST OVERALL RATING

★★★★★

4.8

OVERALL RATING

  • Earn $400 back in the form of a statement credit after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership.
  • Earn 6% cash back at U.S. supermarkets on up to $6,000 per year on purchases (then 1%). Also earn 6% cash back on select U.S. streaming subscriptions.
  • Earn 3% cash back on transit, including U.S. gas stations, taxis/rideshare, parking, tolls, trains, buses, and more. All other purchases earn 1% cash back.
  • $120 Equinox Credit – Use your Blue Cash Preferred Card to pay for Equinox+ at equinoxplus.com and receive $10 in monthly statement credits. Enrollment required.
  • 0% intro APR for 12 months from the date of account opening, then a variable APR applies
  • $95 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
15.49% – 25.49% Variable
$95
Excellent Credit

The Capital One Savor Cash Rewards Credit Card also deserves consideration. It pays 4% cash back on streaming service purchases. 

What Does Capital One Consider a Streaming Service?

Capital One offers bonus rewards on streaming purchases for eligible music and video streaming services, including Netflix, Hulu, and Disney+. It excludes some services, such as Prime Video, AT&T TV, and Verizon FIOS On Demand, as well as audiobook subscription services and fitness programming.

Can I Dispute a Credit Card Charge For a Subscription?

Credit card issuers usually honor disputes over charges, including those for subscriptions, if you have a valid complaint, such as:

  • You did not order the subscription
  • There is a billing error
  • The subscription service is defective
  • You never received the service
  • You canceled the subscription
  • You fell victim to fraud

The issuer may require you first contact the vendor and try to resolve the problem. Hopefully, the vendor will refund your credit card charge.

Failing a vendor resolution, your card issuer may investigate your dispute, or it may accept your contention without further follow-up. If the issuer agrees with you, it should credit your card for the disputed amount. 

On the other hand, if the issuer suspects that you are trying to defraud the subscription service, it may close your account. If the issuer rejects your dispute, it must explain why.

To preserve your right to dispute a billing error, you must send a written notice to the issuer within 60 calendar days of the charge. The issuer must acknowledge receipt of your complaint within 30 days and complete its investigation within two complete billing cycles (in all cases, no more than 90 days). 

Subscriptions can trigger three tricky situations:

  • Free trials: Many streaming services offer free access for a set period (usually seven days) and then charge your credit card if you don’t cancel on time. For your protection, make a note of the deal terms, understand how to cancel, and set a calendar reminder for the end of the trial period.
  • Automatic renewals: After sending you a renewal notice, the vendor will automatically charge your credit card on the renewal date unless you cancel. If you’re happy with your subscription, auto-renewals can be convenient. However, it may be a hassle to stop an auto-renewal after the fact. You should check whether the renewal price is correct and that you hadn’t previously canceled the subscription. Be on the lookout for scammers sending fake bills to renew a service. They may be after your credit card information. 
  • Negative options: The common practice among subscription services is to bill you automatically for items you didn’t specifically refuse. With a negative option, your silence provides consent to charge you. Understand whether a subscription assumes a negative option before agreeing to a free trial or purchase. Some vendors use pre-checked boxes that permit them to bill you later. If the company refuses to refund your money, file a dispute with the credit card issuer.

Contact the Federal Trade Commission and your state attorney general if you feel a subscription service has defrauded you or that a scammer has posed as a subscription service to steal your personal information. 

The Better Business Bureau warns of a scam in which you receive a fake activation email with phony links. The scammer wants you to click on a bogus link and provide your login and password. It may also download malware onto your computer. 

Earn Valuable Savings on Streaming Services

The best credit cards for streaming services can save you money on your subscriptions. The top cards rebate up to 6% of your subscription charges through cash back, points, or miles. Yes, we know 6% isn’t a windfall, but hey, better in your pocket than your vendor’s. 

Unless you spend a disproportionate amount of income on subscriptions, you should avoid letting this tail wag the dog  —  that is, study the total cost and benefits available from a credit card before applying. A high reward rate on a relatively minor budget item may be worth less than a lower rate on your more-significant expenses.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.