Streaming services became a welcome distraction – and essential part of life – during the coronavirus pandemic and lockdowns, so why give them up now that life is returning back to “normal.” These services – from Amazon Prime Video and Netflix, to HBO Max and Peacock – help us get away from the realities of the world and make life at home more enjoyable. Are you looking to save money or earn more rewards when paying for your streaming service subscriptions? Here are our top credit cards for paying streaming service bills every month.
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Citi Custom Cash℠ Card
Citi Custom Cash℠ Card
Citi Custom Cash℠ Card
- 18.99% – 28.99% (Variable) Regular Purchase APR
- 18.99% – 28.99% (Variable) Balance Transfer APR
- 29.99% (Variable) Cash Advance APR
- 0% for 15 months on Purchases Intro Purchase APR
At a Glance
The Citi Custom Cash? Card is a generous cash back credit card that offers up to 5% back on eligible purchases. The card, from Citi, does not charge an annual fee and rewards 5% back on the top spending category each month, with options including transit, travel, gas, groceries, dining, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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 18.99% – 28.99%, 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.
- Intro Purchase APR: 0% for 15 months on Purchases
- Regular Purchase APR: 18.99% – 28.99% (Variable)
- Intro Balance Transfer APR: 0% for 15 months on Balance Transfers
- Balance Transfer APR: 18.99% – 28.99% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.99% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You want to earn 5% back but do’t want quarterly categories
- You plan on spending $1,500 within the first 90 days
- You have a large purchase in mind that you want to pay down over time
- You plan on transferring an existing balance within the first four months
- You don’t want to pay an annual fee
The Citi Custom Cash℠ Card is Citibank’s latest cash back credit card. The card earns 5% back on your highest spending category each billing period, placing it on par with the Bank of America Customized Cash Rewards, Wells Fargo Active Cash, or the Chase Freedom Flex.
The 5% back category with the Custom Cash includes the following and is limited to the first $500 spent every billing period: dining, drugstores, fitness clubs, gas stations, grocery stores, home improvement stores, live entertainment, select travel, select streaming services, and select transit.
Here is the list of eligible streaming services according to Citi:
| Amazon Music | Fubo TV | MLB.tv | Prime Video |
| Apple Music | HBO Max | NBA League Pass | Showtime |
| Apple TV+ | YouTube (Music/TV) | Netflix | Sling TV |
| Audible | Hulu | NHL.tv | SiriusXM |
| DirecTV Stream | iHeartRadio | Pandora | Spotify |
| Disney+ | Kindle Unlimited | Paramount+ | Sticher |
| ESPN+ | Luminary | Peacock | TIDAL |
Other noteworthy features of the Custom Cash credit card from Citi include 15 months of 0% intro APR on purchases and balance transfers, a $200 cash back welcome bonus (after making $750 in purchases within the first three months of opening an account), and – of course – no annual fee.
That 15-month introductory APR period is also one of the longest for a cash back credit card – and applies to both balance transfers and purchases. With Custom Cash, you can make a large purchase and pay down an existing credit card balance – all for no annual fee.
Citi® Double Cash Card – 18 month BT offer
Citi® Double Cash Card – 18 month BT offer
Citi® Double Cash Card – 18 month BT offer
- 18.99% – 28.99% (Variable) Regular Purchase APR
- 18.99% – 28.99% (Variable) Balance Transfer APR
- 29.99% (Variable) Cash Advance APR
At a Glance
The Citi® Double Cash Card is one of the most versatile cash back credit cards on the market today, thanks to impressive, flat-rate cash back, lucrative introductory 0% APR offers, and more. Cardholders earn 2% back on every eligible purchase: 1% back at the time of sale and an additional 1% back when they pay their statement balance. Cash back is redeemable for statement credits, direct deposits, checks, or converted as ThankYou® points.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.99% – 28.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Regular Purchase APR: 18.99% – 28.99% (Variable)
- Intro Balance Transfer APR: 0% for 18 months on Balance Transfers
- Balance Transfer APR: 18.99% – 28.99% (Variable)
- Balance Transfer Transaction Fee: 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
- Cash Advance APR: 29.99% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You prefer earning cash back at a flat rate rather than in rotating categories
- You’re looking to either consolidate existing balances or pay down a large purchase with no interest charges for an extended period of time
- You like to have the flexibility of converting cash back into lucrative rewards points
- You’re considering a credit card without an annual fee
The Citi® Double Cash Card – 18 month BT offer card does not offer a special rewards category for streaming services. Instead, Citi provides 2% cash back on all eligible purchases. The card earns a flat-rate 1% cash back on all eligible purchases – and another 1% back when the account holder pays off that balance.
Eligible purchases include pretty much everything you can imagine and exclude account services and other administrative fees (think balance transfers, cash advances, money orders, wire transfers, returns, etc.).
The lack of an annual fee, the 2% back on streaming service subscriptions (or any other purchases, for that matter), and the 0% introductory APR on balance transfers for the first 18 months make the Citi Double Cash Card the perfect everyday card that just happens to reward your streaming habits.
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
- 19.24% to 29.99% variable based on creditworthiness the Prime Rate Regular Purchase APR
- 19.24% to 29.99% variable based on creditworthiness the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
Through the Blue Cash Preferred® Card from American Express, you can earn sizable cash back rewards on purchases in common categories, including 6% cash back at U.S. supermarkets on up to $6,000 in annual purchases (then 1%), 3% cash back at U.S. gas stations and select U.S. department stores, and 1% on all other purchases. You can also earn $300 back in the form of a statement credit after you make $3,000 in purchases using your new card in the first six months of the account being open.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn a $300 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% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% – 29.99%. Variable APRs will not exceed 29.99%.
- 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.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit
- Get up to $120 in statement credits annually when you pay for an Equinox+ membership at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $12.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
- Terms Apply.
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 19.24% to 29.99% variable based on creditworthiness the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 19.24% to 29.99% variable based on creditworthiness the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $0 for the first year. Then $95
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You budget for family spending and want a credit card that earns significant cash back
- You’ll spend a lot of money on groceries to take advantage 6% cash back at U.S. supermarkets on up to $6,000 in annual purchases (then 1% after that)
- You’re excited at the prospect of earning 6% cash back with select streaming services
- You want to capitalize on your commute with 3% cash back at U.S. gas stations (and select U.S. department stores)
- You’ll take advantage of 3% cash back on transit (taxis/rideshare, parking and tolls, trains, buses and more), and 1% on all other purchases
- You’re likely to make $3,000 in purchases within the first six months of the account opening to qualify for a one-time $300 statement credit
- You cook at home often and commute to work and school regularly, or make use of public transit regularly
The Blue Cash Preferred® Card features an annual fee, but for binge-watchers who want excellent value every day, it’s an easy charge to justify. The card earns a huge 6% back on eligible streaming subscriptions. That list includes over 30 services from the radio, TV, music, and more.
Here is a full breakdown of American Express eligible streaming services:
| Amazon Music | Fubo TV | Luminary | Paramount+ | Spotify |
| Apple TV/ Music | HBO Max | MLB.tv | Peacock | Sticher |
| Audible | Standalone HBO | NBA League Pass | Prime Video | Tidal |
| DirecTV Stream | Hulu | Netflix | Showtime | YouTube Premium |
| Disney+ | iHeartRadio | NHL.tv | Sling TV | YouTube Music |
| ESPN+ | Kindle Unlimited | Pandora | SiriusXM | YouTube TV |
Beyond 6% back on streaming services, the Blue Cash Preferred offers a lot more value for its $95 annual fee. These perks include 6% cash back on the first $6,000 in spending on U.S. groceries each year, 3% back on gas and transit (tolls, taxis, rideshare services, etc.), and 1% back on all other eligible purchases.
U.S. Bank Cash+® Visa Signature® Card
U.S. Bank Cash+® Visa Signature® Card
U.S. Bank Cash+® Visa Signature® Card
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening Intro Purchase APR
At a Glance
The U.S. Bank Cash + Visa Signature Card is an excellent cash back credit card that gives holders the power to decide how they earn their cash back. The card earns 5% back on two select categories you choose, 2% back on one “everyday” category a user selects, and 1% back on all other purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- New! $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 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
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan
- Terms and conditions apply
- Intro Purchase APR: 0% for 15 months from account opening
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You want the ability to choose your enhanced cash back categories
- You like the freedom of switching categories each quarter
- You don’t want to pay an annual fee
The U.S. Bank Cash+™ Visa Signature® Card is an excellent cash back credit card for those who want the power to decide where they earn their rewards. The card is similar to the Citi Custom Cash in that it offers cardholders up to 5% back on the first $2,000 in combined eligible purchases in the following categories:
| TV, internet, and streaming services | Cell phone providers | Electronics stores |
| Fast food | Home utilities | Furniture stores |
| Department stores | Clothing stores | Movie theaters |
| Ground transportation | Fitness centers | Sporting goods stores |
And here are U.S. Bank’s eligible streaming services:
| Disney+ | Vudu | Google Play Music |
| FandangoNOW | YouTube Premium | Pandora |
| Hulu | Amazon Music | SiriusXM |
| Netflix | Apple Music | Slacker Radio |
| Sling TV | YouTube Music | Spotify |
As mentioned, that 5% back is limited to the first $2,000 in spending each quarter, which is very generous. Cardholders also have the same option with their 2% “everyday” category, selecting one of the following three categories each quarter:
- Grocery stores
- Gas stations
- Restaurants
Upgrade Visa® Card with Bitcoin Rewards
Upgrade Visa® Card with Bitcoin Rewards
Upgrade Visa® Card with Bitcoin Rewards
- 14.99%-29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.99% to 29.99% Balance Transfer APR
At a Glance
The Upgrade Visa® Card with Bitcoin Rewards offers no fees, low rates, cash back in bitcoin, and credit lines up to $20,000 in one exceptional package. The card provides the flexibility and predictability to pay down card balances and get debt-free quickly – with the added benefit of crypto rewards on every purchase.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Earn unlimited 1.5% back in bitcoin rewards after you make payments on your purchases
- The simple way to earn bitcoin: make purchases on your card, make payments, earn bitcoin
- No annual fees
- Get pre-approved in seconds with no impact to your credit score
- Pay with your phone or device by using Apple Pay® or Google Pay™
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
- Regular Purchase APR: 14.99%-29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.99% to 29.99%
- Balance Transfer Transaction Fee: Up to 5%
- Foreign Transaction Fee: Up to 3%
- You struggle to pay off credit card balances
- You want a structured repayment plan
- You can reliably pay off your statement balances to earn bitcoin rewards for purchases
- You don’t want to pay an annual fee
The Upgrade Bitcoin Rewards is a tough-to-beat credit card for fans of crypto rewards and low interest rates. The interest rates are the same as with other Upgrade Cards, making it among the best in the business. The ability to pay down debt – and earn BTC with every purchase – is another perk that makes the card something that provides everyday value.
While the Bitcoin version of the Upgrade Card doesn’t offer superior cash back versus cards like the Freedom Flex or Citi Custom Cash, it does offer those rewards as BTC – something very few credit cards can provide.
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Featured photo by Matthew Henry / Burst
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