NerdWallet’s Best Credit Cards for Streaming Services

Look for cards that can reward you handsomely on more than just those monthly subscriptions. Here are our favorites.

Melissa LambarenaOctober 8, 2020
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The next time you’re binging on Netflix or assembling a Spotify playlist, you could be earning rewards on that subscription. Video and music streaming services have become a hot bonus category among credit card issuers as media consumption patterns change.

Of course, elevated rewards on streaming alone may not add up to much and aren't the sole reason to choose a card. Your monthly Hulu subscription is probably small potatoes compared with more substantial household expenses like groceries, gas or dining. But streaming can be a nice complementary bonus category to have.

Here are several of our favorite cards offering rich rewards for streaming.

Top credit cards for streaming services

  • Blue Cash Preferred® Card from American Express

  • Wells Fargo Propel American Express® card

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

  • Amazon Prime Rewards Visa Signature Card

  • PayPal Cashback Mastercard®

Blue Cash Preferred® Card from American Express

Our pick for: High overall rewards

American Express Blue Cash Preferred Credit Card
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CARD DETAILS

Rewards:

  • 6% cash back on select U.S. streaming subscriptions. (Full list here).

  • 6% back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

  • 3% back on transit including taxis, rideshare services, parking, tolls, trains, buses and more.

  • 3% back at U.S. gas stations.

  • 1% back on everything else.

  • Terms apply.

Welcome offer: Limited Time Offer: Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Offer Expires 12/10/2020. Terms Apply.

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

APR: An intro 0% intro APR on Purchases for 12 months, and then the ongoing APR of 13.99% - 23.99% Variable APR.

WHY WE LIKE IT

The Blue Cash Preferred® Card from American Express offers something for nearly everyone, including a market-leading rewards rate on eligible streaming services. You'll also earn elevated rewards on many different methods of transportation — even if you gas up your own car. So pop in some earbuds and enjoy your Apple Music on that bus ride to work, or tune in to your favorite Sirius XM channel on a road trip. Either way, you can earn rewards twice over. (Note that if your subscription is bundled with another product or service, or if it's billed through a third party, it may not qualify for the higher rate.) But the card's main attraction remains its industry-leading rewards rate at U.S. supermarkets. Terms apply. These features make it ideal for many kinds of spenders.

DRAWBACKS

There's a hefty annual fee, which is atypical among cash-back credit cards. And it's not an ideal card for those who spend a lot of money on restaurant dining.

Wells Fargo Propel American Express® card

Our pick for: High overall rewards with no annual fee

CARD DETAILS

Rewards:

  • 3 points per $1 spent on eligible streaming services (Apple Music, Hulu, Netflix, Pandora, Sirius XM Radio and Spotify Premium).

  • 3 points per $1 spent on dining out or ordering in.

  • 3 points per $1 spent on gas stations, rideshares and transit.

  • 3 points per $1 spent on travel including flights, hotels, homestays and car rentals.

  • 1 point per $1 spent everywhere else.

  • Terms apply.

Welcome offer: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

Annual fee: $0.

APR: An intro 0% APR for 12 months on purchases and qualifying balance transfers, and then the ongoing APR of 13.99% - 25.99% Variable APR.

WHY WE LIKE IT

The Wells Fargo Propel American Express® card offers triple points across a broad array of everyday spending, including several streaming services — all for an annual fee of $0. So spool up your Spotify account on that long Lyft ride to the airport; if you also bought your plane ticket with this card, you'd earn elevated rewards three different ways in that scenario.

Drawbacks

If most of your money goes toward groceries, you can find much more rewarding options.

U.S. Bank Cash+™ Visa Signature® Card

Our pick for: Customizable 5% cash back

CARD DETAILS

Rewards:

  • 5% cash back on two categories of your choice from a list of several options (on up to $2,000 spent per quarter on combined purchases).

  • 2% cash back on an everyday category of your choice, such as gas, groceries or restaurants.

  • 1% cash back on all other purchases.

Sign-up bonus: $150 bonus after spending $500 in eligible net purchases within the first 90 days of account opening.

Annual fee: $0.

APR: 0% on Balance Transfers for 12 billing cycles, and then the ongoing APR of 13.99% - 23.99% Variable APR.

WHY WE LIKE IT

The U.S. Bank Cash+™ Visa Signature® Card lets you choose your own 5% bonus categories from a list every quarter. As of May 2019, one of those 5% options was "TV, internet and streaming services." Examples of services that qualify include Netflix, Hulu, Sling TV, Apple Music, Spotify, Pandora and Sirius XM. And to truly optimize this card for entertainment, you could select one additional 5% bonus category — say, fast food or movie theaters — not to mention a separate 2% "everyday" bonus category, such as restaurants. Now you're ready for a night out or a night in.

Drawback

This is a high-maintenance card. You must keep track of multiple bonus categories — not to mention a spending cap — and remember to opt in to those bonus categories every quarter.

Amazon Prime Rewards Visa Signature Card

Our pick for: Amazon Prime loyalists

Amazon Prime Rewards Visa Signature Card
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CARD DETAILS

Rewards:

  • 5% back at Amazon.com and Whole Foods Market.

  • 2% back at restaurants, gas stations and drugstores.

  • 1% cash back on all other purchases.

Sign-up bonus: Get a $70 Amazon Gift Card instantly upon credit card approval.

Annual fee: $0, but you must be an Amazon Prime member. Membership costs $119 annually ($59 a year for students).

APR: The ongoing APR is 14.24% - 22.24%, Variable.

WHY WE LIKE IT

The Amazon Prime Rewards Visa Signature Card doesn’t specifically reward you for streaming services — but Amazon Prime video and music streaming services are automatically included with your Prime membership, which you can pay for (and earn 5% back for) with this card. You’ll also earn that same rich 5% back on digital downloads, and on virtually any purchase you make on Amazon.com. Shop there for nonperishables, hit Whole Foods for your groceries, and reap big rewards as you catch up on "The Marvelous Mrs. Maisel."

Drawback

Officially, this card's annual fee is $0. Unofficially, your Amazon Prime membership — which is required if you want this card — will cost you $119 annually.

PayPal Cashback Mastercard®

Our pick for: Simplicity

PayPal Cashback Mastercard
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CARD DETAILS

Rewards:

  • Unlimited 2% cash back on everything.

Sign-up bonus: None.

Annual fee: $0.

APR: The ongoing APR is 19.99% - 26.99% Variable APR.

WHY WE LIKE IT

The PayPal Cashback Mastercard® is a low-maintenance card with high flat-rate rewards. No tiered or rotating bonus categories to activate or keep track of; just 2% back on all purchases. And if you're already paying for your streaming subscriptions via PayPal, you can incorporate this card pretty seamlessly — and get cash back for it.

drawbacks

You’ll need a PayPal account to apply for this card, although it’s free to create one. There's also no sign-up bonus, nor does it offer a 0% intro APR period.

Information related to the Amazon Prime Rewards Visa Signature Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

To view rates and fees of the Blue Cash Preferred® Card from American Express, please visit this page.

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