Streaming subscriptions are a growing monthly expense — $100/month or more for households with multiple services. A handful of credit cards include streaming credits or bonus earn rates that meaningfully offset these costs. Here's how the major options compare.

Cards with Streaming Statement Credits

Statement credits are dollar-for-dollar offsets applied to your bill after you charge eligible streaming services to the card. They're more valuable than earn-rate bonuses at small spend volumes.

American Express Platinum — Digital Entertainment Credit

Amex Platinum includes a digital entertainment credit for eligible streaming and subscription services. The exact eligible services are updated periodically and listed in your benefit guide. When a service is eligible, the credit applies automatically each month. The Platinum's $550 annual fee requires a full portfolio of travel and lifestyle benefits to justify — the streaming credit is one component, not the reason to get the card.

American Express Blue Cash Preferred — 6% on streaming services

Blue Cash Preferred earns 6% cash back on select U.S. streaming subscriptions. This is one of the highest earn rates on streaming of any card. At 6% on $150/month in streaming, that's $108/year in cashback. The card has a $95 annual fee (often waived the first year), which the streaming cashback more than covers. The card also earns 6% at U.S. supermarkets (up to $6,000/year) and 3% on transit and gas.

For households with significant streaming spend, Blue Cash Preferred is purpose-built for this category.

Blue Cash Everyday (no-fee alternative) — 3% on streaming

Blue Cash Everyday earns 3% on select U.S. streaming subscriptions with no annual fee. At $150/month in streaming, that's $54/year. Not as strong as the Preferred's 6%, but competitive for a no-fee card.

Cards with Streaming Bonus Rates (Not Credits)

Wells Fargo Autograph — 3x on streaming, no annual fee

The Autograph earns 3x Go Far Rewards on streaming services — including Netflix, Hulu, Disney+, Spotify, and similar subscriptions. It also earns 3x on dining, gas, travel, and phone plans. With no annual fee, it's the best no-fee option for pure streaming points accumulation.

Chase Sapphire Reserve — 1x on streaming (no bonus)

Despite its premium positioning, Chase Sapphire Reserve earns only 1x on streaming services. Chase's category bonuses are focused on dining and travel. If your primary goal is streaming rewards, the Reserve isn't the right card for this category.

Does Your Card's Streaming Credit Cover Netflix?

This is the most common question — and the answer changes. Card issuers update their eligible streaming service lists. Current status varies:

  • Amex Platinum digital entertainment credit: eligible services include Peacock, Audible, SiriusXM, and others. Netflix has historically been excluded from some card portfolios' credits. Check your current benefit guide before counting on Netflix eligibility.
  • Amex Blue Cash Preferred 6%: covers most major streaming services including Netflix, Hulu, Disney+, ESPN+, Peacock, and similar subscriptions.

The safest approach: charge your streaming subscriptions to a card with verified eligibility, then check your next statement to confirm the credit or bonus rate applied.

The Simple Answer: 2% Flat Rate

If you don't want to track which card covers which streaming service, a flat-rate 2% cashback card handles all subscriptions uniformly:

  • Citi Double Cash: 2% (1% + 1%)
  • Wells Fargo Active Cash: 2% flat
  • Apple Card: 2% via Apple Pay (1% otherwise)

At 2% on $150/month in streaming, you earn $36/year — modest, but zero tracking required.

Recommended Setup by Streaming Spend

Under $50/month in streaming: Use a flat 2% card or whatever your main card is. The optimization isn't worth a separate card.

$50–100/month in streaming: Wells Fargo Autograph (3x, no fee) is purpose-built here.

Over $100/month in streaming: Amex Blue Cash Preferred (6%, $95 fee) earns back the annual fee in streaming cashback alone at this volume.

Which credit card is best for Netflix?

Wells Fargo Autograph earns 3x points on streaming services with no annual fee, making it the best no-fee option for Netflix. Amex Blue Cash Preferred earns 6% cash back on select U.S. streaming subscriptions (including Netflix) — the highest streaming earn rate of any major card — with a $95 annual fee. Amex Platinum includes a digital entertainment credit for select streaming services; check the current benefit guide to confirm Netflix eligibility.

Do credit cards with streaming credits automatically apply to Netflix?

It depends on the card and whether Netflix is a currently eligible service. Amex Blue Cash Preferred's 6% applies to most streaming subscriptions including Netflix. Amex Platinum's digital entertainment credit covers a specific list of services that changes over time — Netflix may or may not be included. Always verify current eligibility in your card's benefit terms, then charge the service to your card and confirm the credit posts.

Is it worth getting a card specifically for streaming credits?

At high streaming spend (over $100/month), yes. Amex Blue Cash Preferred earns 6% on streaming — on $150/month, that's $108/year in cashback against a $95 annual fee. The math is positive before counting any other card benefits. For lower streaming spend, a no-fee card like Wells Fargo Autograph (3x) or a flat 2% card is sufficient without the annual fee commitment.

See full streaming service earn rates across all cards on CardCurator.