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NerdWallet’s Best Credit Cards for Streaming Services

Nov. 7, 2019
Credit Cards, Rewards Credit Cards
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  • U.S. Bank Cash+™ Visa Signature® Card

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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.

» MORE: NerdWallet’s best credit cards for entertainment spending

Blue Cash Preferred® Card from American Express

Our pick for: High overall rewards

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Apply Now on American Express's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • Leading cash-back rewards at U.S. supermarkets
    • Bonus offer for new cardholders
    • Intro APR period on Purchases and Balance Transfers

    Cons

    • Has annual fee — but if you spend more than $31 per week at U.S. supermarkets, the rewards offset the fee
    • American Express isn’t accepted at as many merchants as Visa or Mastercard
    • $25 minimum redemption

    Annual Fees

    $95

    APR

    • APR: 14.49% - 25.49% Variable APR
    • Penalty APR: 29.99%, Variable
    • Cash Advance APR: 26.74%, Variable

    Bonus Offers

    $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.

    Intro APR

    • 0% intro APR on Purchases and Balance Transfers for 12 months
  • Additional Information
    • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
    • NEW 6% Cash Back on select U.S. streaming subscriptions.
    • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
    • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
    • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
    • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
    • $95 annual fee.
    • Terms Apply.

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: $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.

Annual fee: $95.

APR: An intro 0% on Purchases and Balance Transfers for 12 months, and then the ongoing APR of 14.49% - 25.49% 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.

» MORE: Full review of the Blue Cash Preferred® Card from American Express

Wells Fargo Propel American Express® card

Our pick for: High overall rewards with no annual fee

Wells Fargo Propel American Express® card

Wells Fargo Propel American Express® card

Apply Now on Wells Fargo's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • No annual fee
    • Sign-up bonus
    • No foreign transaction fee
    • Intro APR period on Purchases and qualifying Balance Transfers

    Cons

    • American Express isn’t accepted at as many merchants as Visa or Mastercard
    • Requires good/excellent credit

    Annual Fees

    $0

    APR

    • APR: 15.49% - 27.49% Variable APR

    Bonus Offers

    Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value

    Intro APR

    • 0% APR for 12 months on purchases and qualifying balance transfers
  • Additional Information
    • Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value
    • $0 annual fee and no foreign currency conversion fee
    • Earn 3X points on eating out and ordering in
    • Earn 3X points on travel including flights, hotels, homestays and car rentals
    • Earn 3X points on gas stations, rideshares and transit
    • Earn 3X points on popular streaming services
    • Earn 1X points on other purchases
    • Select "Apply Now" to learn more about the product features, terms and conditions
    • View Rates and Fees

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 30,000 bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value.

Annual fee: $0.

APR: An intro 0% on Purchases and Balance Transfers for 12 months, and then the ongoing APR of 15.49% - 27.49% 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

The card’s list of eligible streaming services isn’t as exhaustive as others. And if most of your money goes toward groceries, you can find much more rewarding options.

» MORE: Full review of the Wells Fargo Propel American Express® card

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 15.49% - 24.99% 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.

» MORE: Full review of the U.S. Bank Cash+™ Visa Signature® Card

Amazon Prime Rewards Visa Signature Card

Our pick for: Amazon Prime loyalists

Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Apply Now on Chase's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate on Amazon purchases
    • No minimum redemption amount

    Cons

    • No annual fee, but requires paid Amazon Prime membership

    Annual Fees

    $0

    APR

    • APR: 16.24% - 24.24% Variable APR
    • Cash Advance APR: 26.99%, Variable

    Bonus Offers

    None

    Intro APR

    • N/A
  • Additional Information
    • 5% Back at Amazon.com and Whole Foods Market with an eligible Prime membership*
    • 2% Back at restaurants, gas stations, and drugstores
    • 1% Back on all other purchases
    • No annual credit card fee
    • No foreign transaction fees
    • The information related to the Amazon Prime Rewards Visa Signature credit card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card

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: None.

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 16.24% - 24.24% Variable APR.

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.

» MORE: Full review of the Amazon Prime Rewards Visa Signature Card

Deserve® Pro Mastercard

Our pick for: Limited credit

Deserve® Pro Mastercard

Deserve® Pro Mastercard

Apply Now on Deserve's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • No annual fee
    • No foreign transaction fee

    Cons

    • No sign-up bonus
    • No intro APR period on Purchases and Balance Transfers

    Annual Fees

    $0

    APR

    • APR: 17.49% - 24.49% Variable APR

    Bonus Offers

    None

    Intro APR

    • N/A
  • Additional Information
    • Available to L1, O1, and H1B visa holders.
    • Priority Pass™ Select Membership (valued at $99), after you make $1,000 of purchases with your new Deserve Pro Mastercard within the first 90 days after activation.
    • 3% cash back on travel & entertainment.
    • 2% cash back on restaurants.
    • 1% unlimited cash back on all purchases.
    • Credit limits up to $10,000.
    • $0 annual fee & no foreign transaction fees.
    • No security deposit or co-signer required.
    • Helps students and professionals build a credit history and gain financial independence.
    • Use anywhere in the world where Mastercard is accepted.
    • Includes Mastercard Platinum Benefits like Travel Assistance Services, Extended Warranty, and ID Theft Protection.
    • Complimentary cellphone insurance up to $600.

CARD DETAILS

Rewards:

  • 3% cash back per dollar spent on travel and entertainment and 2% cash back at restaurants on up to $500 in combined purchases per billing cycle.
  • 1% back on all other purchases.

Sign-up bonus: None.

Annual fee: $0.

APR: The ongoing APR is 17.49% - 24.49% Variable APR.

WHY WE LIKE IT

Unlike most cards, the Deserve® Pro Mastercard doesn’t only rely on the traditional FICO scoring model to evaluate your creditworthiness. Deserve’s underwriting process may allow exceptions if you can meet income and employment verification requirements. Its “entertainment” rewards category includes streaming services such as Netflix, Hulu, Sling TV, DirecTV Now, Vudu, ESPN Plus, Starz, Spotify, SiriusXM, Soundcloud and Apple Music, to name a few. (Deserve notes that qualifying services can change from time to time.)

Drawbacks

You’ll face a monthly spending cap on bonus rewards. And unlike a lot of other cash-back cards, there’s no sign-up bonus or 0% introductory APR offer.

» MORE: Full review of the Deserve® Pro Mastercard

PayPal Cashback Mastercard®

Our pick for: Simplicity

PayPal Cashback Mastercard®

PayPal Cashback Mastercard®

Apply Now on PayPal's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • No annual fee
    • No foreign transaction fee

    Cons

    • High APR

    Annual Fees

    $0

    APR

    • APR: 22.24%, 26.24%, and 29.24% Variable

    Bonus Offers

    None

    Intro APR

    • N/A
  • Additional Information
    • Earn 2% cash back* on every purchase, no restrictions, no maximums, no rotating categories to keep track of
    • No annual fee**, no foreign transaction fee**
    • Redeem cash rewards right to your PayPal balance* at any time, use however you want. No thresholds or minimums
    • *Select ‘Apply Now’ to view the Rewards Program Terms and important information on redeeming Cash Rewards to your PayPal balance. Subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply.
    • **For New Accounts: Variable Purchase APR is 22.24%, 26.24% or 29.24%. The APRs are accurate as of 1/1/2019 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $1.50 for all types of cards in any billing cycle in which you owe interest.
    • View Rates and Fees

CARD DETAILS

Rewards:

  • Unlimited 2% cash back on everything.

Sign-up bonus: None.

Annual fee: $0.

APR: The ongoing APR is 22.24% - 29.24% Variable.

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.

» MORE: Full review of the PayPal Cashback Mastercard®

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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