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Best Credit Cards for Streaming Services for February 2023

Refreshed Review Updated Dec. 29, 2022
Brittney Myers
By: Brittney Myers

Our Credit Cards Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

Many credit cards have modernized their rewards. Now you can find options for earning entertainment rewards of all kinds, including streaming. But each issuer defines this category in its own way. The best credit cards for streaming services have broad definitions and high rewards rates. We'll break down which services are included and how to choose the right card.

Blue Cash Preferred® Card from American Express
Apply Now for Blue Cash Preferred® Card from American Express

On American Express' Secure Website.

Terms apply

Award Icon 2023 Award Winner

Great for: Unbeatable U.S. streaming rewards

Apply Now for Blue Cash Preferred® Card from American Express

On American Express' Secure Website.

Terms apply

Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Blue Cash Preferred® Card from American Express

On American Express' Secure Website.

Terms apply

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 12 months

Regular APR

18.24%-29.24% Variable

Rewards Circle with letter I in it. 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 and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.

1% - 6% cash back

Annual Fee

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

Welcome Offer Circle with letter I in it. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

$250

  • The U.S. supermarkets and U.S. gas stations rewards are clear standouts, in addition to a big welcome offer and a nice 0% intro APR offer. Read Full Review

    • Big welcome offer
    • U.S. supermarkets rewards
    • U.S. gas stations rewards
    • Streaming subscription rewards
    • Annual fee
    • Foreign transaction fee
    • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
    • $0 intro annual fee for the first year, then $95.
    • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
    • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.24% to 29.24%
    • 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 and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
    • 1% Cash Back on other purchases.
    • Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
    • Terms Apply.
Award Icon 2023 Award Winner

Great for: 3X points on streaming services

Apply Now for Wells Fargo Autograph℠ Card

On Wells Fargo's Secure Website.

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Wells Fargo Autograph℠ Card

On Wells Fargo's Secure Website.

Intro APR Circle with letter I in it. N/A

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: N/A

Regular APR

19.24%, 24.24%, or 29.24% variable APR

Rewards Circle with letter I in it. Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases

1X - 3X points

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

20,000 bonus points

  • This card immediately moves to the top of our rankings for no annual fee rewards cards thanks to its excellent welcome bonus, earn unlimited 3x points on a variety of categories, and cell phone protection. Read Full Review

    • Strong welcome bonus for a no-annual-fee card
    • Earn Unlimited 3x points on useful categories
    • Cell phone protection
    • Other cards offer larger bonuses, though they usually come with annual fees
    • The 1x points baseline rewards rate on other purchases, though normal for this type of card, can be beat
    • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
    • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
    • $0 annual fee
    • 0% intro APR for 12 months from account opening on purchases. 19.24%, 24.24%, or 29.24% variable APR thereafter
    • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
    • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
    • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.
    • Select "Apply Now" to learn more about the product features, terms and conditions.

Great for: Streaming on the go

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 27.24% Variable

Rewards Circle with letter I in it. Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

1x - 5x points

Annual Fee Circle with letter I in it. N/A

$95

Welcome Offer Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

60,000 bonus points

  • With a big sign-up bonus, the sky’s the limit for this top-rated travel rewards card. Plus, the premium points program for travel and dining make it a no brainer for travel enthusiasts everywhere. Read Full Review

    • Big sign-up bonus
    • Travel rewards
    • Dining rewards
    • Flexible travel points
    • Consumer and travel protections
    • Has an annual fee
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
    • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Great for: Choosing your own bonus categories

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Intro APR Circle with letter I in it. 0% Intro APR on purchases and balance transfers for the first 15 billing cycles, and after that 18.74% - 28.74% (Variable)

Purchases: 0%, 15 billing cycles on purchases

Balance Transfers: 0%, 15 billing cycles

Regular APR

18.74% - 28.74% (Variable)

Rewards Circle with letter I in it. 5% cash back back on up to $2,000 of quarterly spending in two categories of choice and for travel booked directly in U.S. Bank's Rewards Travel Center, unlimited 2% back in one "everyday" category of choice, 1% back on other purchases

1% - 5% back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

$200

  • The high cash back rate, big sign-up bonus, and flexibility to choose what purchases earn bonus cash back make this a compelling offer. All the better that there's no annual fee. Read Full Review

    • Sign-up bonus
    • Bonus categories of your choosing
    • No annual fee
    • 0% intro APR offer
    • No 0% intro APR on purchases
    • $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
    • 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 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
    • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 18.74% - 28.74%
    • No Annual Fee
    • Terms and conditions apply.

Great for: Rotating bonus rewards

Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.24% - 28.24% (Variable)

Rewards Circle with letter I in it. 5% cash back in your top eligible spend category each billing cycle (up to the first $500 spent), 1% cash back on other purchases

1% - 5% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

20,000 ThankYou® Points

  • A leading cash-back card that includes a big sign-up bonus, great rewards program, and long 0% intro APR offers, all with no annual fee. Read Full Review

    • Cash back rewards
    • Sign-up bonus
    • No annual fee
    • 0% intro APR offer
    • Bonus cash back limits
    • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
    • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
    • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
    • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
    • No Annual Fee
    • Citi will only issue one Citi Custom Cash℠ Card account per person.

Great for: Streaming and dining rewards

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

18.99% - 26.99%, variable

Rewards Circle with letter I in it. Earn unlimited 4% cash back on dining, entertainment, and for popular streaming services, earn 3% at grocery stores and 1% on all other purchases.

1% - 4% cash back

Annual Fee

$95

Welcome Offer Circle with letter I in it. $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening

$300

  • Unlimited bonus scash back on dining and entertainment makes this the ideal option for spending nights out on the town. Pair that with the big sign-up bonus and bonus back at grocery stores and you’ve got the ingredients for a top-rated rewards card.

    • Big sign-up bonus
    • Dining rewards
    • Entertainment rewards
    • Streaming services rewards
    • No foreign transaction fee
    • Annual fee
    • No intro APR offer
    • Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening
    • Earn unlimited 4% cash back on dining, entertainment, and for popular streaming services, earn 3% at grocery stores and 1% on all other purchases.
    • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
    • No foreign transaction fees
    • Capital One cardholders get access to premium experiences in dining, entertainment and more
Capital One Savor Cash Rewards Credit Card is temporarily unavailable on The Ascent. All information was collected independently from the issuer. Some items may be out of date.

Great for: Annual streaming credit

Rating image, 4.00 out of 5 stars.
4.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 28.24% (Variable)

Rewards Circle with letter I in it. Earn 5x points on prepaid hotels and car rentals booked in the Altitude Rewards Center, 4X points on travel and at gas stations, 2X points at grocery stores, grocery delivery, dining and streaming services, 1x points on other purchases

1x - 5x points

Annual Fee Circle with letter I in it. $0 intro for the first year, then $95

$0 intro for the first year, then $95

Welcome Offer Circle with letter I in it. 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening

50,000 points

  • A solid contender to earn rewards for everyday purchases, such as gas, groceries, dining, and travel.

    • Robust rewards program
    • Sign up bonus
    • Travel credit
    • Annual fee
    • No 0% intro APR offer
    • Intro Offer: Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more.
    • 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
    • 4X points on travel, gas stations, and EV charging stations.
    • 2X points on streaming services. Plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
    • 2X points at grocery stores, grocery delivery, and dining.
    • Receive up to $100 in statement credits for reimbursement toward your TSA PreCheck® or Global Entry® application fee once every four years.
    • 1X point on all other eligible purchases.
    • Points never expire.
    • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
    • Terms and conditions apply.

Great for: No annual fee everyday rewards

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Intro APR

Purchases: 0% intro on purchases for 15 months

Balance Transfers: 0% intro on balance transfers for 15 months

Regular APR

19.24% - 29.24% (Variable)

Rewards Circle with letter I in it. Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases.

1% - 3% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

$200

  • Dining and grocery spending will earn premium rewards, but that's not the only showstopper. The sign-up bonus, no annual fee, and a 0% intro APR offer can add a ton of value. Read Full Review

    • Sign-up bonus
    • Dining rewards
    • Entertainment rewards
    • No annual fee
    • Great intro APR for purchases
    • Balance transfer fee
    • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
    • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
    • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
    • Earn 8% cash back on Capital One Entertainment purchases
    • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
    • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
    • 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
    • No foreign transaction fee
    • No annual fee

How to choose a credit card for streaming services

With so many cards offering bonus rewards on streaming, narrowing down the best credit card for you may be a challenge. Here are a few things to consider when choosing a card for streaming.

The included services

Which streaming services earn bonus rewards will vary by issuer and even by card. Make sure the services you use will be eligible for bonus rewards.

The rewards rate

You can find cards with rewards rates as high as 6% back, but you may need to pay an annual fee for the highest rates.

The other bonus categories

Unless you spend a ton on streaming, a dedicated streaming rewards card may not be worth it. Be sure to check out what other bonus categories each card offers to see how it can fit into your lifestyle.

Related: How Many Credit Cards Should You Have?

The annual fee

It may be worth paying an annual fee if you can find the perfect combo of services, rewards, and secondary bonus categories.

Related: Is Your Annual Fee Worth It?

How issuers define ‘streaming services’

Each card issuer has its own way to define which providers it will include in its streaming services bonus category. Let's take a look at some of the major players.

What does American Express count as streaming?

Amex has one of the most inclusive streaming categories of any issuer. It covers not only video, but also music services, a few podcast networks, and even books (terms apply, select enrollment required).

Here are U.S. subscription video services that Amex counts:

  • Apple TV+
  • DirecTV Stream (formerly known as AT&T TV or AT&T TV NOW)
  • Disney+
  • ESPN+
  • Fubo TV
  • HBO Max
  • HBO (standalone streaming subscription only, formerly known as HBONow)
  • MLB.TV
  • NBA League Pass
  • Netflix
  • NHL.TV
  • Paramount+
  • Peacock
  • Prime Video
  • Showtime
  • Sling TV
  • YouTube Premium
  • YouTube TV

Amex also includes several U.S. music streaming services:

  • Amazon Music Unlimited
  • Apple Music
  • iHeartRadio
  • Pandora
  • SiriusXM Streaming and Satellite
  • Spotify
  • TIDAL Music
  • YouTube Music Premium

A couple U.S. podcast platforms:

  • Luminary
  • Stitcher

And Amazon's U.S. audiobook and ebook services:

  • Audible
  • Kindle Unlimited

Related: Best American Express Credit Cards

What does Capital One count as streaming?

Capital One doesn't provide a full list of eligible streaming services. It only specifically mentions the following services as included:

  • Disney+
  • Hulu
  • Netflix

However, Capital One is pretty clear on what it does not cover. Services that don't qualify:

  • Amazon Prime Video
  • AT&T TV
  • Verizon FIOS On Demand
  • Audiobook subscriptions
  • Fitness programming subscriptions

Related: Best Capital One Credit Cards

What does Chase count as streaming?

Chase calls its bonus category "select streaming services," and it specifies that only purchases from the listed merchants will qualify. On the plus side, Chase has a decently inclusive streaming services category, with both video and music options.

For video services, you have:

  • Apple TV
  • Disney+
  • ESPN+
  • Fubo TV
  • HBO Max
  • Hulu
  • Netflix
  • Paramount+
  • Peacock
  • Showtime
  • Sling
  • YouTube Premium
  • YouTube TV
  • Vudu

The included music streaming services are:

  • Apple Music
  • Pandora
  • SiriusXM
  • Spotify

Related: Best Chase Credit Cards

What does Citi count as streaming?

Citi is another issuer that specifies "select streaming services" with a set list of eligible merchants. It includes both video and music streaming services.

The video services include:

  • Amazon Prime Video
  • CBS All Access
  • Disney+
  • AT&T TV NOW
  • ESPN+
  • fuboTV
  • HBO Max
  • NBA League Pass
  • Netflix
  • Showtime
  • Sling TV
  • Starz
  • Vudu
  • YouTube Red
  • YouTube TV

Citi's select streaming services category also includes these music streaming services:

  • Amazon Music
  • Apple Music
  • Pandora
  • Spotify
  • SiriusXM
  • Tidal

Related: Best Citi Credit Cards

What does U.S. Bank count as streaming?

U.S. Bank includes a wide range of content providers in its streaming category, from video streaming to podcasts. It seems to stay pretty true to the merchant code, without specifically excluding any services.

The included video streaming services are:

  • Amazon Prime Video
  • Apple TV+
  • DirecTV Stream
  • Discovery+
  • Disney+
  • ESPN+
  • Fubo TV
  • HBO Max
  • Hulu
  • MLB TV
  • NBA League Pass
  • Netflix
  • NHL Live
  • Paramount+
  • Peacock
  • Showtime
  • Sling TV
  • Starz
  • Vudu

The issuer has one of the broadest music streaming services list, including:

  • Amazon Music
  • Apple Music
  • Google Music
  • iHeart
  • Pandora
  • SiriusXM
  • Slacker Radio
  • Spotify
  • Tidal
  • YouTube Music

U.S. Bank also includes two popular podcast platforms:

  • Luminary
  • Stitcher

Related: Best U.S. Bank Credit Cards

What about unlisted streaming services?

If you use a streaming service that hasn't hit the mainstream (pun intended), it might not be on anyone's list of approved services. That doesn't necessarily mean it won't earn the appropriate bonus rewards, though.

TIP

What counts for bonus rewards?

Most issuers rely on the merchant code reported to the credit card network. As long as the service has an eligible merchant code, it should earn bonus category rewards.

The exception to this rule is if the issuer specifically disqualifies specific services. For example, Capital One specifically lists Amazon Video as not eligible for bonus rewards.

There are a few ways to find out if your favorite streaming service will earn bonus rewards:

  • Contact the issuer. A quick online chat with the issuer may tell you if a specific service will qualify.
  • Test it yourself. Go ahead and pay for it with your rewards card. If you get the bonus points, great. If not, you can try to email the issuer and make a case for it. Some issuers will add certain services to their approved list if you bring it to their attention.
  • Browse forums or message boards. It's rare you'll stumble onto a service that another cardholder hasn't tried yet. Posting a question in a credit card forum or subreddit could yield useful results.

Restrictions from the fine print

As noted above, many issuers go by the merchant code. This is provided to the card network by the merchant. If the code doesn't match a streaming category, the merchant may not be included in the rewards program.

You should also keep in mind that you typically need to purchase your streaming service directly from the provider. If you pay for your service through a third party, such as Roku or Google Play, it probably won't qualify for the bonus rewards. Certain bundles may also be excluded.

Do any cards offer free streaming subscriptions?

There are a few rewards credit cards that offer statement credits for subscription services in addition to -- or instead of -- bonus rewards. Statement credits are like rebates; you purchase the service with your card and you get a credit on your account once the transaction hits.

Other ways to save on streaming with a credit card

One way to work around merchant restrictions is through gift cards. You could potentially use your credit card points or cash back rewards to purchase gift cards through your rewards portal, then use the gift card to pay for your streaming. Make sure to do the math, though; gift card redemptions don't usually provide the best per-point value.

Learn more: How Credit Card Points Work

Another option is to use your rewards credit card to buy gift cards at a retailer like a grocery store. If you have a grocery rewards card, you could earn bonus rewards on the gift card purchase. Then, use the gift card to pay for your streaming service. Keep in mind that some issuers frown on buying gift cards or treat them as cash advances, so use caution with this plan.

Another common way you can save on streaming services with your card is through issuer shopping or deals portals. Many issuers offer special discounts from partner retailers, and these frequently include streaming providers. For example, Chase Offers and Amex Offers regularly have discounts or statement credits for streaming services.

The Picks
Card Rating Great For
Award Icon 2023 Award Winner
Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

Unbeatable U.S. streaming rewards

Award Icon 2023 Award Winner
Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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Great For:

3X points on streaming services

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
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Great For:

Streaming on the go

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

Choosing your own bonus categories

Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

Rotating bonus rewards

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

Streaming and dining rewards

Rating image, 4.00 out of 5 stars.
4.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

Annual streaming credit

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

No annual fee everyday rewards

FAQs

  • HBO Max is listed in the streaming bonus category for four major issuers:

    • American Express
    • Chase
    • Citi
    • U.S. Bank

    Of these issuers, the Blue Cash Preferred® Card from American Express offers the highest rewards rate we've come across at 6% cash back on U.S. streaming (terms apply). However, the Chase Sapphire Preferred® Card earns 3X Ultimate Rewards points per dollar on streaming purchases. Ultimate Rewards points are travel rewards that can be transferred to more than a dozen hotel and airline partners. Depending on how you value Ultimate Rewards points, this may be a more lucrative option.

  • The services included in the streaming bonus category vary a lot by card issuer. Most issuers allow both video and music streaming services. The majority of issuers include the most popular services, including:

    • Amazon Music
    • Apple Music
    • Disney+
    • HBO Max
    • Hulu
    • Netflix
    • Pandora
    • Peacock
    • Showtime
    • SiriusXM®
    • Sling TV
    • Vudu
  • American Express, Chase, Citi, and U.S. Bank all include Spotfiy in their streaming services bonus category definitions. Of those, the Blue Cash Preferred® Card from American Express offers the highest rewards rate on U.S. streaming at 6% cash back. This makes the Blue Cash Preferred® Card from American Express arguably the best card for earning rewards on Spotify.

  • None of the major rewards credit cards currently offer free Netflix as a regular card benefit. However, you can occasionally find Netflix discounts or statement credit offers through an issuer's shopping or deals portals. For example, Chase occasionally lists Netflix promos through its Chase Offers or Shop Through Chase programs. Similarly, the Amex Offers portal regularly has deals for U.S. streaming services.

Our Credit Cards Expert