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Save on streaming this year with these credit card perks

Jan. 17, 2023
10 min read
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Everyone is streaming these days. Heck, I’m writing this while listening to SiriusXM count down the top 500 songs of the ’90s.

Keeping up with your favorite music and shows can add up, though, and you may be reevaluating whether you really need to keep subscribing to all your streaming services as you evaluate your 2023 budget.

But you don’t need to sit in silence to save money. Several of our favorite credit cards come with streaming credits that allow you to keep the entertainment you love and still save.

Today, I’ll walk you through which credit cards give you free or cheap streaming subscriptions and how to use these credits for at-home entertainment.

Credit cards that offer free streaming subscriptions

The Platinum Card® from American Express

What it offers for streaming: If you’re looking for a lot of free streaming, you’ll get it here. The Platinum Card offers up to $20 per month in digital entertainment credits, and the credits can be used with Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM and The New York Times so long as you pay the merchant directly. You’ll pay first and then receive reimbursement an average of two days later. Enrollment is required in advance.

Current welcome offer for new applicants: Earn 80,000 bonus Membership Rewards points after you spend $6,000 on purchases on your new card in the first six months of card membership. TPG values this bonus at $1,600.

Points-earning rates: Earn 5 points per dollar on airfare purchased directly with the airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year). You’ll also earn 5 points per dollar on prepaid hotels booked with Amex Travel and 1 point per dollar on all other purchases.

Annual fee: $695 (see rates and fees).

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ISABELLE RAPHAEL/THE POINTS GUY

Other key perks: The Platinum Card has numerous perks to justify its high annual fee. These include access to the American Express Global Lounge Collection, including Centurion lounges, Priority Pass lounges, Escape lounges and Delta Sky Clubs (when traveling on same-day Delta flights); reimbursement for your Global Entry or TSA PreCheck application fee; reimbursement for your Clear membership; up to $200 in credits each year for incidental fees charged by your preferred airline; up to $200 in annual hotel credits; up to $200 in Uber Cash each year (which you can also use with Uber Eats); complimentary Gold status with Hilton Honors and Marriott Bonvoy; and reimbursement for a monthly Walmart+ subscription. Enrollment is required in advance for certain benefits.

For more details, read our full review of the Amex Platinum Card.


Official application link: The Platinum Card from American Express


Use your Walmart+ membership to get free Spotify Premium and Paramount+

The Amex Platinum Card offers reimbursement for your monthly Walmart+ membership fee. Enrolling in this benefit can help you extend it to additional streaming services from Spotify Premium and Paramount+.

If you have a Walmart+ membership, you can head to this link to activate up to six free months of Spotify Premium. The promotion runs through May 7. This premium music streaming service typically costs $9.99 per month, and you will be automatically enrolled in the paid plan when your free subscription ends.

Additionally, your Walmart+ membership includes a Paramount+ Essential plan for access to TV shows, movies, NFL games, soccer games from the U.S. and Europe and live news around the clock with CBS.

Credit cards that reduce the cost of your streaming services

Blue Cash Everyday® Card from American Express

What it offers for streaming: Receive $7 back each month (up to $84 back annually) after spending $12.99 or more each month on an eligible Disney Bundle subscription (which includes Disney+, Hulu and ESPN+) using your card. Enrollment is required in advance.

Current welcome offer for new applicants: Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months of card membership.

Points-earning rates: Earn 3% back at U.S. supermarkets, on online purchases from U.S. retailers and at U.S. gas stations. These bonus categories are limited to the first $6,000 of purchases in each category in a calendar year; after that, you’ll earn 1% back. You’ll also earn 1% back on all other purchases.

Annual fee: $0 (see rates and fees).

THE POINTS GUY

Other key perks: Cardholders can enjoy up to $180 in annual credits for Home Chef, available as $15 per month in statement credits. New applicants also receive a 0% introductory annual percentage rate on purchases and balance transfers for 15 months from the account opening date (see rates and fees). After the introductory APR period, a variable APR of 18.24% to 29.24% applies based on your creditworthiness and other factors (see rates and fees).

For more details, read our full review of the Blue Cash Everyday card.


Official application link: Blue Cash Everyday Card from American Express


Blue Cash Preferred® Card from American Express

What it offers for streaming: Receive $7 back each month (up to $84 back annually) after spending $12.99 or more each month on an eligible Disney Bundle subscription (which includes Disney+, Hulu and ESPN+) using your card. You’ll also earn 6% cash back on these streaming purchases. Enrollment is required in advance.

Current welcome offer for new applicants: Earn a $250 statement credit after spending $3,000 on purchases within the first six months of cardmembership.

Points-earning rates: Earn 6% back at U.S. supermarkets on the first $6,000 of these purchases each year (then 1% back), 6% back on streaming, 3% back on transit and at U.S. gas stations and 1% back on other purchases.

Annual fee: $0 introductory annual fee for the first year, then $95 (see rates and fees).

THE POINTS GUY

Other key perks: Receive $10 in monthly statement credits (up to $120 per year) when you use your card to pay for Equinox+. Plus, new applicants can take advantage of a 0% introductory APR on purchases and balance transfers for 12 months, then a variable APR of 18.24%-29.24%. Cardholders can also create Buy Now, Pay Later plans with Plan It and have $0 fees on plans created in the first 12 months from the date of account opening. After that, the plan fee can be up to 1.33%, depending on creditworthiness.

For more details, read our full review of the Blue Cash Preferred card.


Official application link: Blue Cash Preferred Card from American Express


U.S. Bank Altitude® Connect Visa Signature® Card

What it offers for streaming: Receive a $30 statement credit after paying for a streaming charge with your card each month for 11 months in a row. The full list of eligible services is here, and you’ll also earn 2 points per dollar on streaming purchases.

Current welcome offer for new applicants: Earn 50,000 bonus points after spending $2,000 on purchases within 120 days from account opening.

Points-earning rates: Earn 5 points per dollar on prepaid hotels and car rentals booked in the Altitude Rewards portal; 4 points per dollar on travel, gas stations and EV charging stations; 2 points per dollar at grocery stores (including grocery delivery) and dining (including takeout and delivery); and 1 point per dollar on other purchases.

Annual fee: $0 introductory annual fee, then $95.

JOSH GRIBBEN/THE POINTS GUY

Other key perks: Receive cellphone protection by paying your monthly phone bill with the card and receive reimbursement for your TSA PreCheck or Global Entry application fee.

For more details, read our full review of the Altitude Connect Visa card.


Official application link: U.S. Bank Altitude Connect Visa Signature Card (see rates and fees)


U.S. Bank Altitude® Go Visa Signature® Card

What it offers for streaming: Receive a $15 statement credit after paying for a streaming charge with your card each month for 11 months in a row. The full list of eligible services is here, and you’ll also earn 2 points per dollar on streaming purchases.

Current welcome offer for new applicants: Earn 20,000 bonus points after spending $1,000 on purchases within 90 days of account opening.

Points-earning rates: Earn 4 points per dollar on dining (including takeout and delivery) and 2 points per dollar on groceries (including grocery delivery services), gas and EV charging stations. Earn 1 point per dollar on all other purchases.

Annual fee: $0.

THE POINTS GUY

Other key perks: Those looking for a solid card to finance a large purchase or refinance existing credit card debt will enjoy the 0% introductory APR on purchases and balance transfers for the first 12 billing cycles (a 19.34% to 28.24% variable APR applies after the introductory period ends).

For more details, read our full review of the Altitude Go Visa card.


Official application link: U.S. Bank Altitude Go Visa Signature Card


Check the merchant offers on your cards

In addition to using these cards for your streaming, make sure to check the merchant offers for all your cards regularly. Chase and American Express often have offers to help you save on specific streaming services such as fuboTV, YouTube TV, HBO Max, Showtime and others.

To take advantage of these offers, add them to your card and then charge that streaming service to the card with the offer.

Bottom line

Whether you’re looking for free access to one streaming service in particular or hoping to get as many freebies as possible, there are credit cards that can provide free streaming or provide credits to cut your costs significantly.

No matter how you stream, there’s a credit card perk on this list that can help you stick to your resolution of saving in 2023.

Additional reporting by Emily Thompson.

For rates and fees of the Amex Platinum, click here.
For rates and fees of the Blue Cash Everyday, click here.
For rates and fees of the Blue Cash Preferred, click here.

Featured image by DENNIS FISCHER PHOTOGRAPHY/GETTY IMAGES
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
See all best card offers

TPG featured card

Best for the well-traveled foodie
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review
Apply for American Express® Gold Card
at American Express's secure site

Rewards

3 - 4X points
4XEarn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4XEarn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3XEarn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Intro offer

60,000 bonus points
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Annual Fee

$250

Recommended Credit

670-850
Excellent/Good
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

There's a lot to love about the Amex Gold card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) and U.S. supermarkets. If you're hitting the skies soon, you'll also earn bonus points on travel. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Enrollment required.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
  • 3x on flights booked directly with the airline or with Amex Travel
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months

Cons

  • Weak on travel outside of flights and everyday spending bonus categories
  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber/food credits
  • Few travel perks and protections
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Apply for American Express® Gold Card
at American Express's secure site
Terms & restrictions apply. See rates & fees
Best for the well-traveled foodie
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

4XEarn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4XEarn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3XEarn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Intro Offer
    Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

    60,000 bonus points
  • Annual Fee

    $250
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent/Good

Why We Chose It

There's a lot to love about the Amex Gold card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) and U.S. supermarkets. If you're hitting the skies soon, you'll also earn bonus points on travel. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Enrollment required.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
  • 3x on flights booked directly with the airline or with Amex Travel
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months

Cons

  • Weak on travel outside of flights and everyday spending bonus categories
  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber/food credits
  • Few travel perks and protections
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees