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Credit Cards

Does your credit card offer bonus rewards for Netflix or Disney+ subscriptions? Here are 3 that may

We analyzed popular credit cards that offer bonus rewards on streaming services using an average American's annual spending budget and digging into each card's perks and drawbacks to find the best credit cards based on your spending habits.

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Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Whether you binge-watch the latest season of your favorite show in one sitting or stream movies, you likely pay for at least one streaming subscription.

And every week there seems to be a new streaming service available to consumers, with the recent launch of Apple TV+ and Disney+, not to mention mainstays such as Netflix and Hulu. The cost of all these streaming subscriptions can add up, but if you use the right rewards credit card, you can earn cash back or points that can help offset some of the price of streaming your favorite content.

There are hundreds of cards available, all offering a wide range of perks, which can make it hard to find the best card for streaming services. To help you find the right card, we narrowed down 111 popular rewards cards to those that offer bonus rewards for streaming subscriptions. (See our methodology for more information on how we choose the best cards.)

Best cards for streaming services

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Blue Cash Preferred® Card from American Express

On the American Express secure site
  • Rewards

    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, 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

  • Welcome bonus

    Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. 

  • Annual fee

    $0 intro annual fee for the first year, then $95.

  • Intro APR

    0% for 12 months on purchases from the date of account opening

  • Regular APR

    19.24% - 29.99% variable. Variable APRs will not exceed 29.99%.

  • Balance transfer fee

    Either $5 or 3% of the amount of each transfer, whichever is greater.

  • Foreign transaction fee

    2.7%

  • Credit needed

    Excellent/Good

Pros

  • High 6% cash back at U.S. supermarket spending (up to $6,000 a year, then 1%)
  • Unlimited 6% cash back on select U.S. streaming subscriptions
  • Unlimited 3% cash back at U.S. gas stations and on transit

Cons

  • 2.7% fee on purchases made abroad
  • Estimated rewards earned after 1 year: $679
  • Estimated rewards earned after 5 years: $2,397

Rewards totals incorporate the cash back earned from the welcome bonus

Who's this for? If you prefer to Netflix and chill instead of going out on a Friday night, the Blue Cash Preferred® Card from American Express can earn you the most cash back on select U.S. streaming subscriptions at 6%.

There are 28 streaming subscriptions that qualify for 6% cash back, including popular services like Netflix, Hulu, Spotify, Apple Music, Disney+ and Prime Video, as well as services that are typically not included among other cards, such as ESPN+, Audible and YouTube.

Cardholders can also earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), unlimited 3% cash back at U.S. gas stations and on transit-related purchases, such as tolls, parking, buses and rideshares, and 1% cash back on all other purchases.

Additional perks include money-saving Amex Offers, which provide discounts and extra points at participating retailers. These limited-time offers are location-based and additional terms apply.

This card has a $0 intro annual fee for the first year (then $95) (see rates and fees), but it can be offset by the cash back you earn and discounts you can get through the Amex Offers.

U.S. Bank Cash+® Visa Signature® Card

Information about the U.S. Bank Cash+® Visa Signature® Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose, 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 2% cash back on one everyday category, like gas stations/EV charging stations, grocery stores or restaurants, 1% cash back on all other eligible purchases

  • Welcome bonus

    $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening

  • Annual fee

    $0

  • Intro APR

    0% for the first 15 billing cycles on purchases and balance transfers

  • Regular APR

    19.74% - 29.74% (Variable)

  • Balance transfer fee

    3%, minimum $5

  • Foreign transaction fee

    2% to 3%

  • Credit needed

    Good/Excellent

See rates and fees and our methodology, terms apply.

Pros

  • No annual fee
  • High 5% cash back on select purchases, when you activate bonus categories
  • Low spending required to earn a good welcome bonus

Cons

  • 5% cash back is limited to $2,000 in combined purchases each quarter
  • Activation is required to earn 5% cash back
  • 2% to 3% foreign transaction fee
  • Estimated rewards earned after 1 year: $478
  • Estimated rewards earned after 5 years: $1,790

Rewards totals incorporate the points earned from the welcome bonus

Who's this for? The U.S. Bank Cash+® Visa Signature® Card offers the highest rewards rate on select entertainment purchases: 5% cash back. Cardholders can choose to earn 5% cash back on two bonus categories each quarter, on your first $2,000 in combined eligible net purchases, then 1%.

There are currently two entertainment-related categories that earn 5% cash back: movie theaters and TV, along with internet and streaming services, which includes 15 providers such as Comcast, Apple Music and Hulu. You can choose both categories every quarter to maximize cash back.

You also get 2% cash back on one everyday category, such as grocery stores or gas stations, and 1% cash back on all other purchases. Cardholders can update their preferences every quarter, so you can change categories based on your needs.

This card also comes with no annual fee and a generous welcome bonus of $200 cash back bonus after you apply online and spend $1,000 within the first 120 days of account opening. You can also enjoy no interest on balance transfers for 15 billing cycles (after 19.74% - 29.74% variable APR), so if you have high interest debt to pay off, this may be the card for you. 

Prime Visa

  • Rewards

    5% cash back at Amazon.com and Whole Foods Market; 5% back on purchases made through Chase Travel; 2% back on local transit and commuting, including rideshare; 2% back at restaurants, gas stations and drugstores; 1% back on all other purchases

  • Welcome bonus

    Earn a $100 Amazon gift card instantly upon approval.

  • Annual fee

    $0 (but Prime membership is required)

  • Intro APR

    None

  • Regular APR

    19.49% - 27.49% variable

  • Balance transfer fee

    5%, $5 minimum

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

See our methodology, terms apply.

Pros

  • No annual fee
  • $100 Amazon.com gift card upon approval, with no spending requirements
  • 5% back at Amazon.com and Whole Foods Market
  • No fee charged on purchases made outside the U.S.

Cons

  • Prime membership is required
  • The 5% back on groceries only applies to groceries bought on Amazon.com or at Whole Foods Market
  • Estimated rewards earned after 1 year: $792
  • Estimated rewards earned after 5 years: $2,960

Rewards totals incorporate the points earned from the welcome bonus

Who's this for? Frequent shoppers on Amazon and at Whole Foods Market will want to look into the Prime Visa. All purchases made by Prime members at Amazon and Whole Foods Market get a robust 5% cash back. You can use this card to pay for your Prime membership (which includes Prime Video) and earn 5% cash back. This card also offers a $100 Amazon.com gift card upon approval as a one-time bonus.

In addition to the generous 5% cash back at those two retailers, the card gives users 2% back on purchases made at restaurants, gas stations and drugstores and 1% back on all other purchases. Take note that the only subscription service earning bonus rewards is Prime Video. All other streaming services earn 1% back.

As the name implies, you must have an eligible Prime membership to apply for this card ($139 for an annual membership and $14.99 for a monthly membership). If you don't, opt for the Amazon Rewards Visa Signature Card, which doesn't require a Prime membership and still offers 3% cash back at Amazon and Whole Foods.

Learn more:

Best credit cards for streaming services

Credit Card Estimated rewards earned after 5 years
Blue Cash Preferred® Card from American Express$2,437
U.S. Bank Cash+® Visa Signature® Card$1,790
Amazon Prime Rewards Visa Signature Card$2,272

Our methodology

To determine which cards offer the best value, Select analyzed popular credit cards offered by the biggest banks, financial companies and credit unions that allow anyone to join and offer bonus rewards on streaming services. Bonus rewards means a cardholder earns at least 2% or 2 points per dollar in a given category. In this case, streaming services.

We compared each card on a range of features, including cash-back rewards, welcome bonus, introductory and standard APR, balance transfer fee and foreign transaction fees, as well as factors such as required credit score and customer reviews when available. We also considered additional perks, the application process and how easy it is for the consumer to redeem points.

Select teamed up with location intelligence firm Esri. The company's data development team provided the most up-to-date and comprehensive consumer spending data based on the 2019 Consumer Expenditure Surveys from the Bureau of Labor Statistics. You can read more about their methodology here.

Esri's data team created a sample annual budget of approximately $22,126 in retail spending. The budget includes six main categories: groceries ($5,174), gas ($2,218), dining out ($3,675), travel ($2,244), utilities ($4,862) and general purchases ($3,953). General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses.

Select used this budget to estimate how much the average consumer would save over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases. All rewards total estimations are net the annual fee.

It's important to note the value of a point or mile varies from card to card and based on how you redeem them. When we calculated the estimated returns, we assumed that cardholders are redeeming points/miles for a typical maximum value of 1 cent per point or mile. (Extreme optimizers might be able to achieve more value.)

Our final picks are weighted heavily toward the highest five-year returns, since it's generally wise to hold onto a credit card for years. This method also avoids giving an unfair advantage to cards with large welcome bonuses.

While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your spending habits.

Don't miss: Experian Boost now lets you add on-time Netflix payments to raise your credit score

For rates and fees of the Blue Cash Preferred® Card, click here.

Information about Amazon credit cards has been collected independently by Select and has not been reviewed or provided by the issuer prior to publication; if you purchase something through Select links, we may earn a commission.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
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