The 16 Best Credit Cards for Streaming Services [Netflix, Prime Video, Hulu, Disney+]

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Streaming services have become an important element in our lives. Whether listening to premium radio programing while driving, checking out a movie in the evening, or catching up on current news, chances are you’ve enjoyed at least 1 streaming service.

According to Statista, as of November 2019, 74% of households use streaming services. Netflix alone had over 151 million subscribers at that time. It’s safe to say these numbers have likely increased since then.

If you’re a household spending a lot on streaming services, you may be interested in finding the best credit cards for earning rewards on those purchases, and that’s what we’re here to talk about today.

If you’re paying for streaming services, there’s a way to earn bonus rewards — and we’re happy to show you how. Let’s take a look at which cards offer bonus earnings for this ongoing expense.

What Qualifies as Streaming Services?

Several credit cards offer elevated earnings on streaming services purchases.

The list of which streaming services qualify for direct-purchase bonus earnings, however, differs by the credit card issuer. We’ll cover additional definitions later for other card issuers but we’ve chosen to start with the list published by American Express, as it is the most extensive.

Here’s the Amex list of qualifying streaming services providers for elevated earnings on Amex cards:

  • Amazon Music Unlimited
  • Apple Music
  • Apple TV+
  • AT&T TV Now
  • Audible
  • CBS All Access
  • Disney+
  • ESPN+
  • Fubo TV
  • HBO Max
  • HBO Now
  • Hulu
  • iHeartRadio
  • Kindle Unlimited
  • Luminary
  • MLB.TV
  • NBA League Pass
  • Netflix
  • NHL.TV
  • Pandora
  • Prime Video
  • Showtime
  • Sling TV
  • Sirius XM Streaming and Satellite
  • Spotify
  • Stitcher
  • YouTube Music Premium
  • YouTube Premium
  • YouTube TV

It’s worth noting that if your subscription to any of these services is bundled with another provider that does qualify as streaming services, your purchase may not be eligible for bonus earnings.

Bottom Line: Each credit card that offers bonus earnings on the direct purchase of streaming services will publish its own list of which services count as qualifying purchases.

Best Amex Cards for Streaming Services

There are different options for securing bonus earnings on streaming services. You can purchase the services directly with the streaming services provider or you may be able to purchase streaming services gift cards from a qualifying bonus category merchant.

We’re going to look at several Amex-issued cards that offer 1 or both of these earning options.

Blue Cash Preferred® Card from American Express

We like that this card packs multiple options for earning rewards on streaming services. You’ll earn 6% cash-back in the form of Blue Cash Rewards Dollars for every dollar you spend directly on qualifying services and also for each dollar spent when shopping at grocery stores. Many grocery stores sell streaming services gift cards such as those for Netflix, Hulu, and many others.

Additional Card Benefits

  • Secondary car rental insurance with the option to purchase premium protection for 1 low fee that covers the entire rental period
  • Shopping benefits such as purchase protection, return protection, and extended warranty

American Express® Gold Card

Streaming gift cards
Purchasing streaming services gift cards at bonus category merchants, such as supermarkets, can result in earning store-sponsored rewards in addition to credit card rewards. Image Credit: Kroger

While the Amex Gold card does not offer direct bonus earnings for streaming services (just 1x earnings per dollar spent), you will earn 4x Membership Rewards points at U.S. supermarkets, up to $25,000 in purchases per calendar year. Many supermarkets sell streaming services gift cards.

Additional Card Benefits

  • Up to $10 monthly dining credit at select restaurants and food delivery services
  • Secondary car rental insurance with the option to purchase premium protection for 1 low fee that covers the entire rental period
  • Shopping benefits such as purchase protection, return protection, and extended warranty

To learn more about the Blue Cash Preferred card and Amex Gold card, check out our detailed comparison.

Hilton Honors American Express® Surpass Card

Once again, with the Hilton Surpass card, you have the opportunity to earn big on streaming services when purchasing corresponding gift cards at bonus-earning merchants. The Hilton Surpass card earns 6x Hilton Honors points at U.S. supermarkets and, as we mentioned previously, many supermarkets allow you to purchase gift cards with a credit card.

Additionally, the card earns 3x points on all purchases, including streaming services.

Additional Card Benefits

  • Complimentary Hilton Honors Gold status and the opportunity to earn Diamond status by spending $40,000 on the card in a calendar year
  • 10 single-use Priority Pass lounge passes per year
  • Secondary car rental insurance and the option to purchase premium protection for 1 low fee that covers the entire rental period
  • Shopping protections such as extended warranty and purchase protection

If you’re a Hilton fan, you’ll be interested in our breakdown of the best Hilton credit cards for Hilton loyalists.

Hot Tip: For a limited time only, the Hilton Surpass card and Hilton Honors American Express Aspire Card each earn 12x Hilton Honors points at U.S. supermarkets. This offer is set to expire at the end of July 2020. 

Additional Amex Cards for Streaming Services

  • Wells Fargo Propel American Express® — earn 3x points on select streaming services when you pay with your Wells Fargo Propel card
  • Blue Cash Everyday® Card from American Express — earn 3x Rewards Dollars at U.S. supermarkets, up to $6,000 per year

Additional Options for Earning on Streaming Services With Amex

Amex Offers

Amex Offers and Benefits
Check your Amex Offers for streaming services bonus earnings or savings. Image Credit: American Express

Amex Offers are bonus-earning and savings opportunities that can be found within your online Amex card account, and streaming services are often featured. Select the offer you want, add it to your card, and make a qualifying purchase from the featured merchant or service provider.

Hot Tip: Amex is temporarily offering statement credits for streaming services purchases with select cards. The Platinum Card® from American Express, The Business Platinum® Card from American Express, and the American Express® Green Card, are each offering a $20 monthly statement credit for streaming services, every month through December 2020. 

Best Chase Credit Cards for Streaming Services

Chase Sapphire Preferred and Chase Freedom
Image Credit: Jeramey Lende via Shutterstock

Credit card issuer Chase also offers cards that earn bonus rewards for steaming services or at bonus-category merchants where steaming services gift cards can be purchased.

Chase Freedom® Card

Each quarter, the Freedom card offers a selection of bonus-category merchants at which you earn 5% cash-back for every dollar spent, up to $1,500 per quarter.

CHASE CARDBENEFITS & INFO
Chase Freedom® Card
  • Earn 5% cash-back for the first $1,500 in combined purchases each quarter in rotating bonus categories (new categories every 3 months and activation is required)
  • Earn 1x on all other purchases
  • 0% intro APR for 15 months from account opening on purchases.pricing and terms reference link. After the intro period, a variable APR of 14.99% - 23.74%

The list of bonus-category merchants has recently included select streaming services and we expect it will continue to be offered in the mix of rotating categories.

Select streaming services in Q1 of 2020 included:

  • Apple Music
  • Disney+
  • ESPN+
  • Fubo TV
  • Google Play
  • Hulu
  • Netflix
  • Pandora
  • SiriusXM
  • Sling
  • Spotify
  • Vudu
  • YouTube

Even when select streaming services are not included as a quarterly bonus category merchant, you may be able to purchase streaming services gift cards at other bonus category retailers such as home improvement stores, drugstores, supermarkets, or gas stations, all of which have been included previously.

Additional Card Benefits

Bottom Line: The Freedom card offers 5% cash-back at quarterly bonus-category merchants which can include select streaming services providers. You may also earn 5% cash-back by purchasing streaming services gift cards at bonus category merchants such as grocery stores, home improvement, drug stores, and more. There is a $1,500 limit on 5% cash-back purchases each quarter. 

Ink Business Cash℠ Credit Card

Other popular merchants that sell steaming services gift cards include office supply stores. The Ink Business Cash card shines with elevated earnings on purchases made at these retailers.

You’ll earn 5% cash-back on purchases at office supply stores and on cable, internet, and phone services up to $25,000 in combined purchases each card anniversary year.

Additional Card Benefits

Chase Freedom Unlimited® Card

While the Freedom Unlimited card earns a more modest 1.5% cash-back on every purchase in the form of Ultimate Rewards points, the true value of Ultimate Rewards shows up at redemption time.

Ultimate Rewards earned on the Freedom Unlimited card can be transferred to premium Chase credit cards such as the Chase Sapphire Preferred® card and the Chase Sapphire Reserve® card to receive up to 50% more value when redeemed for travel. You may also receive potentially even greater value when transferring points to airline and hotel partners.

Additional Card Benefits

  • 5% cash-back on Lyft rides through March 2022
  • No quarterly registrations to remember
  • Trip cancellation/interruption coverage
  • Purchase protection and extended warranty
  • 3-month DoorDash DashPass subscription with the option to purchase an additional 9 months for 50% off

Additional Options for Earning on Streaming Services With Chase

Shop Through Chase

Chase Hulu Offer
Image Credit: Chase

Chase-issued credit cards offer special Ultimate Rewards bonus earnings via Shop Through Chase. You’ll find these offers in the Ultimate Rewards section of your online Chase account.

Simply select the vendor you want to shop with and click the shopping link. Merchants change, as well as the level of earnings, but earnings are in addition to what you would normally earn using your Chase card.

You’ll occasionally find streaming service providers, as well as merchants that sell streaming services gift cards. Note that some offers do exclude gift card purchases.

Chase Offers

Chase Offer Streaming
Chase Offers can include statement credits for specific purchases, including streaming services. Image Credit: Chase

All Chase credit and debit cards are eligible for Chase Offers. You’ll find these money-saving offers, which can include streaming services, by logging into your Chase account online. Select the offer, add it to your card, make a qualifying purchase, and receive bonus earnings.

Bottom Line: You can receive elevated earnings or savings on streaming services purchases with Chase cards by purchasing directly from a qualifying streaming services provider, purchasing streaming services gift cards at bonus-category merchants, via Shop Through Chase, or through Chase Offers. 

Additional Cards for Streaming Services

  • Bank of America® Cash Rewards Credit Card — earn 3% cash-back on 1 bonus category choice of gas stations, online shopping, dining travel, drug stores, or home improvement/furnishings, 2% cash-back at wholesale clubs and grocery stores, up to $2,500 per quarter
  • Citi Premier℠ Card — earn 3x ThankYou points earnings at supermarkets, gas stations, restaurants, air travel, and hotels
  • Citi® Double Cash Card — earn 2% cash-back on every purchase, including streaming services
  • Capital One® Venture® Rewards Card — earn 2 miles per dollar spent on every purchase, including streaming services

Bottom Line: If you’re spending money on streaming services, it could pay to review your current credit card holdings for any direct purchase earnings or discounts with providers, or on gift cards purchased at bonus-category merchants.

Best Credit Cards for Streaming Services — Summary

Whether you pay for your streaming services directly with the provider or purchase gift cards at supermarkets, drug stores, warehouse clubs, or other bonus category merchants, there are plenty of earning opportunities when using the right credit cards.

Here’s our summary of the cards we’ve mentioned today and a breakdown of the earnings on these services or related gift cards.

Cards For Streaming ServicesEarnings on Streaming Services
Blue Cash Preferred card
  • 6x earnings for streaming services and at supermarkets, up to $6,000 in purchases per year.
Amex Gold card
  • 4x earnings at U.S. supermarkets, up to $25,000 in purchases each calendar year, many of whom sell steaming services gift cards.
Hilton Surpass card

Hilton Aspire card

  • 12x earnings at U.S. supermarkets through July 2020, 6x earnings after that with Hilton Surpass card, 3x earnings with Hilton Aspire Card.
Wells Fargo Propel card
  • 3x points per dollar spent on select streaming services
Blue Cash Everyday card
  • 3x earnings at U.S. supermarkets, up to $6,000 in purchases per year.
Amex Platinum card

Amex Business Platinum card

Amex Green card

  • $20 per month statement credit for streaming services through December 2020.
Freedom card
  • 5% cash-back at quarterly bonus category merchants, which have included streaming services providers
  • 5% cash-back when purchasing streaming services gift cards at quarterly bonus category merchants
Ink Business Cash card
  • 5% cash-back at office supply stores plus cable, internet, and phone services, up to $25,000 combined per card anniversary year
Freedom Unlimited card
  • 1.5% cash-back on all purchases
Bank of America Cash Rewards card
  • 3% cash-back on 1 bonus category choice of gas stations, online shopping, dining travel, drug stores, or home improvement/furnishings
  • 2% cash-back at wholesale clubs and grocery stores
Citi Premier card
  • 3x earnings at supermarkets and gas stations (may sell gift cards)
Double Cash card
  • 2% cash-back on all purchases, including streaming services
Venture card
  • 2 miles per dollar spent on all purchases

Hot Tip: Take advantage of temporary promotions such as 12x earnings on Hilton Honors cards at grocery stores (through July 2020) and quarterly bonus merchants to stock up on streaming services gift cards. And don’t forget to use your $20 statement credits for streaming services available on select Amex cards.

Final Thoughts

If you’re currently spending a lot on streaming services, it can make sense to ensure that those purchases are made with a card that earns rewards.

Unless you’re spending an inordinate amount on these services, however, it may not be prudent to select a card based solely on earning rewards for streaming services purchases.

A productive exercise can be to list all of your ongoing expenses, then select a card that will reward your largest purchases, has an annual fee you feel comfortable paying, offers redemptions for which you find value, and includes benefits you will use.

Keep in mind that a single card may not cover all those bases, but you can get close.


The information regarding the Wells Fargo Propel American Express®, Chase Freedom® Card, Ink Business Cash℠ Credit Card, Chase Freedom Unlimited® Card, Bank of America® Cash Rewards Credit Card, Citi Premier℠ Card, and Capital One® Venture® Rewards Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

For rates and fees of the Blue Cash Preferred® from American Express, please click here.
For rates and fees of the Gold Card, click here.
For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.


Frequently asked questions

Which is the best credit card for streaming services?

The best card for streaming services may not be the card that rewards those purchases directly.

Cards such as the Blue Cash Preferred card offer 6x earnings on those purchases, but there are cards that offer unlimited earnings at bonus category merchants that sell streaming services gift cards.

The card that is best for your streaming services purchases will depend on your mix of spending, whether you want to pay an annual fee, and how much you value card-provided benefits.

What counts as streaming services?

Each credit card that offers bonus earnings on streaming services will have its own qualifying list of the services that are eligible.

For example, leading issuers Amex and Chase each publish a list of specific eligible streaming service providers.

How do Amex Offers work?

If you have an Amex-issued card, you may have Amex Offers that can save you money or provide bonus earnings. The offers are located in your online account and can be accessed by logging in and scrolling down to Amex Offers and Benefits.

Select the offer you wish to use and add it to your card. Use that card to make the eligible purchase and receive the statement credit or bonus earnings.

How do Chase Offers work?

When you log into your Chase-issued card account, even your debit card account, you will find offers from which you can select.

Add the offer to your card, make the purchase with the corresponding card, and receive a subsequent statement credit.

Each card can offer a unique set of offers and new offers are added on a regular basis.

Christine Krzyszton

About Christine Krzyszton

Christine, who lives in Northern Michigan, travels about 300,000 miles a year despite her remote location. Her expertise is traveling the world on a weekend with no pre-determined destination in mind, letting the cost of the airfare determine where she will go. She has over four million flown miles and elite status on all three major domestic carriers.

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