Best Credit Cards for Streaming Services

You in all probability pay for at the least one streaming service. Maybe you want Netflix for on-demand content material, or Sling TV for reside TV, or Spotify for music.

Whatever your desire, paying for streaming providers helps you to eat digital content material once you’re at residence or on the go. And you’re not alone. The common family spent $55 monthly on streaming providers in Q2 2021, based on J.D. Power.

As it seems, your streaming behavior isn’t a completely sunk value. Some of the very best cash-back bank cards, journey rewards bank cards, and even gasoline bank cards provide spectacular charges of return on eligible streaming purchases. You simply want to select the proper one.

Best Credit Cards for Streaming Services

These are the very best bank cards to buy streaming providers with proper now. 

Each has a definite viewers decided by its different rewards classes or options. But all have one necessary factor in frequent: They reward streaming purchases very effectively certainly.

Best Overall: Blue Cash Preferred® Card from American Express

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The Blue Cash Preferred® Card from American Express is our prime choose for streaming content material followers. It earns a greater return on streaming purchases than every other card on this checklist: 6%.

Blue Cash Preferred’s checklist of eligible streaming providers is expansive. It options the preferred visible streaming suppliers, together with however not restricted to Netflix, YouTube TV, Sling TV, Hulu, Disney+, Amazon Prime Video, and DirecTV Stream. It additionally options audio or multimedia streaming providers like Pandora, Spotify, Apple Music, Amazon Music Unlimited, and Stitcher.

Additional options:

  • 6% cash-back on the primary $6,000 in eligible U.S. grocery store purchases every year, then 1% again (cash-back accrues as Reward Dollars that may be redeemed for assertion credit).
  • 3% cash-back on eligible transit purchases, together with taxis/rideshare, parking, tolls, trains, buses.
  • 3% cash-back on eligible U.S. gasoline station purchases.
  • 1% cash-back on different purchases.
  • Introductory APR Offer: 0% APR on purchases for 12 months. Following the top of the introductory interval, the common APR is variable (at present 13.99% to 23.99%), relying on prevailing charges and your private creditworthiness. See this card’s charges and charges web page.
  • Welcome Offer: Earn $300 again after you spend at the least $3,000 on purchases inside the first six months. Cash-back accrues as Reward Dollars that may be redeemed for assertion credit.
  • $95 annual charge after the primary yr.

Best for Frequent Travelers: U.S. Bank Altitude® Connect Visa Signature® Card

Us Bank Connect Visa Signature

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The U.S. Bank Altitude® Connect Visa Signature® Card is the very best streaming bank card for frequent vacationers. In reality, it’s probably the greatest bank cards for frequent vacationers, interval. 

That’s as a result of it earns 4x factors on eligible journey purchases, together with gasoline stations, airfare, lodges, and automotive leases. It additionally offers as much as $100 to offset your TSA PreCheck® or Global Entry® software charge as soon as each 4 years. See this card’s charges and charges web page.

Altitude Connect earns a formidable price of return on eligible streaming purchases too: 2x factors. And it’s the one card on this checklist to supply direct assertion credit in opposition to eligible streaming purchases: as much as $30 per yr.

Additional options:

  • 2x factors on eligible restaurant eating, grocery retailer, and grocery supply purchases.
  • Spend $3,000 in eligible purchases inside the first 120 days of account opening to earn 50,000 bonus factors.
  • Up to $600 in cellphone safety protection per incident (much less $25 deductible).
  • $95 annual charge; no international transaction charge.

Best for People Who Like In-Person Entertainment Too: Capital One SavorOne Cash Rewards Credit Card

Capital One Savor Rewards Cash Credit Card

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The Capital One SavorOne Cash Rewards Credit Card is the right hybrid for leisure lovers. In addition to a really stable 3% cash-back price on eligible streaming purchases, it earns 3% cash-back on purchases of in-person leisure and restaurant eating (together with dine-in and takeout).

Additional options:

  • 3% cash-back on eligible grocery retailer purchases.
  • Earn a one-time $200 money bonus after you spend $500 on eligible purchases within the first three months.
  • 0% APR on purchases and steadiness transfers for the primary 15 months from account opening — thereafter, variable common APR applies (at present 14.99% to 24.99% variable).
  • No annual charge or international transaction charge.

Best for Students: Capital One SavorOne Student Cash Rewards Credit Card

Capital One Savor Rewards Student Cash Credit Card

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The Capital One SavorOne Student Cash Rewards Credit Card is the very best scholar bank card for streaming purchases. Like the grownup model, it delivers limitless 3% cash-back on eligible streaming purchases — an almost unheard-of price of return for an entry-level bank card designed particularly for younger folks. 

Additional options:

  • 3% cash-back on eligible grocery retailer purchases, leisure purchases, and restaurant purchases.
  • No annual charge or international transaction charge.
  • You may very well be thought of for a better credit score line after six months of accountable use and well timed funds.

Best for Frequent Online Shoppers: Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature

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If you’re a paid-up Amazon Prime member, the Amazon Prime Rewards Visa Signature Card earns limitless 5% cash-back on all eligible purchases within the Amazon ecosystem, together with Amazon Prime Video (on-demand streaming) purchases. That’s one thing, even when it doesn’t apply to your Netflix or Hulu subscriptions too.

Additional options:

  • Earn 5% cash-back on eligible Whole Foods Market purchases.
  • Earn limitless 2% money again on eligible purchases at eating places, gasoline stations, and drugstores.
  • Get a $100 Amazon reward card instantly upon approval — exclusions apply; see phrases for particulars.
  • Amazon Prime membership ($119 per yr) is required to earn 5% cash-back on Amazon-ecosystem purchases — in any other case, earn 3% cash-back on Amazon purchases.

Methodology: How We Select the Best Credit Cards for Streaming Purchases

We use 5 key components to judge the very best playing cards for streaming leisure purchases. Each pertains to a particular value or profit for card customers, like annual charges or return on streaming spending.

1. Return on Streaming Purchases (Rewards Rate)

Return on streaming purchases is a very powerful consideration for anybody looking for a streaming rewards bank card. This price determines how handsomely your card rewards you for buying streaming providers.

2. Return on Spending in Other Rewards Categories

None of the bank cards on this checklist reward solely streaming purchases. They wouldn’t be superb rewards bank cards in the event that they did.

After confirming that the cardboard’s return on streaming spending is appropriate, have a look at what else its rewards program has to supply. Most of the playing cards on this checklist earn spectacular charges of return — typically 3% or higher — on on a regular basis purchases like gasoline, restaurant spending, and groceries.

3. New Cardmember Offers

Many bank cards use beneficiant new cardmember affords to entice sign-ups. Also often called sign-up bonuses, welcome affords, or early spend bonuses, these promotions can ship tons of of {dollars} in worth. To earn it, you normally must clear a selected spending threshold throughout the provide interval, which usually lasts three to 6 months.

An analogous variety of bank cards, together with a number of on this checklist, provide one other enticement for brand spanking new cardholders: 0% APR introductory promotions on purchases, steadiness transfers, or each. If it’s good to repay high-interest bank card debt or purpose to finance a significant buy proper after opening your account, a 0% intro APR promotion might prevent tons of of {dollars} in curiosity expenses.

4. Other Card Benefits

The greatest streaming bank cards are greater than the sum of their rewards applications and new cardmember affords. They additionally provide perks for vacationers, protections for buyers, and fringe advantages that may rapidly stack up in worth. 

Each of the playing cards on this checklist has one thing else to entice cardholders. For instance, the U.S. Bank Altitude® Connect Visa Signature® Card, our prime choose for frequent vacationers, has a beneficiant journey credit score that almost offsets its annual charge.

5. Account Fees

Credit card charges cut back the worth of rewards applications, new cardmember affords, and different card advantages. 

This is especially true of annual charges, which penalize people who don’t spend very a lot (and thus don’t earn rewards in a short time). Likewise, international transaction charges erode card worth for individuals who usually journey overseas or make purchases from worldwide retailers.

Become a Streaming Credit Card Rewards Expert: Your Questions Answered

You have questions on the very best bank cards for streaming providers. We have solutions.

How Do Credit Cards Define Streaming Services?

That relies on the bank card. To perceive how a selected card defines “streaming services” — and due to this fact which streaming providers qualify for bonus factors or miles — you’ll must learn its rewards program’s positive print. 

Generally, although, in style visible streaming providers qualify for bonus rewards. This consists of in style film and TV streaming providers similar to:

  • Netflix
  • Hulu and Hulu + Live TV
  • Amazon Prime Video
  • Disney+
  • Sling TV
  • DirecTV Stream
  • Philo
  • FuboTV
  • YouTube TV
  • Paramount+

Some bank cards additionally reward purchases with audio streaming providers like Spotify and Pandora.

Can You Get Streaming Entertainment for Free With Any of These Cards?

Only certainly one of these playing cards affords everlasting reductions on or credit in opposition to streaming leisure purchases: the U.S. Bank Altitude® Connect Visa Signature® Card, which is sweet for as much as $30 in annual assertion credit for eligible streaming providers, together with Netflix and Spotify. 

Keep your eyes peeled for limited-time promotions of this kind although. And keep in mind that another playing cards could provide credit in opposition to sure varieties of streaming leisure providers (and associated providers like Peloton streamed exercises).

Can You Qualify for a Streaming Credit Card With Bad Credit?

Never say by no means, but it surely received’t be simple. The bank cards on this checklist market themselves to candidates with good credit score or glorious credit score, as do a lot of the prime rewards bank cards available on the market. 

If your credit score rating isn’t the place you’d prefer it to be, think about making use of for a secured bank card or entry-level unsecured card first and dealing to construct your credit score. With time, your rating could enhance to the purpose the place you’ll have your choose of those playing cards.

How Do You Choose the Best Streaming Credit Card?

Figure out what you worth most in a bank card, then work backward from there.

If maximizing your return on streaming purchases is your prime precedence, you’ll wish to goal the cardboard that provides the very best payback: the Blue Cash Preferred® Card from American Express. But you will have different priorities, similar to:

  • Maxing out your rewards in different spending classes
  • Earning the most important doable new cardmember provide
  • Qualifying for an extended 0% intro APR provide
  • Reaping advantages that suit your spending patterns or way of life
  • Minimizing card charges

Once you’ve got your bank card priorities straight, all that’s left to do is evaluate our checklist of the very best streaming playing cards and select the one that matches your life greatest.