You could be saving a ton on streaming companies. Just put your credit cards to work
Amazon Prime Video, Hulu, , , … there are a lot of streaming companies. The drawback? Every hurts your pockets. Fourteen bucks for Netflix right here, eight for Disney Plus there and can actually add up shortly.,
One wonderful means to save is to merely change theyou utilize to pay for streaming. The financial savings come within the type of money again, which is principally discovered cash each time you are charged for a subscription you are already are paying for.
Four cord-cutter cards in contrast
|American Express Blue Cash Preferred||Amazon Prime Rewards Visa Signature||Apple Card||US Bank Cash Plus Visa Signature||Capital One SavorOne Rewards||Capital One Savor Rewards|
|Streaming supply||6% money again on choose streaming companies||5% money again on Amazon Prime purchases, together with Prime Video Channels||3% money again on Apple purchases, together with Apple TV Channels and subscriptions made by way of iTunes or the App Store||5% money again on numerous classes together with some streaming companies||3% money again on choose streaming companies||4% money again on choose streaming companies|
Which one is finest for me?
The extra eligible subscriptions you have got, the extra you save, however how a lot relies upon on the place you pay for them. Some cards do not supply any money again on sure companies — there is no 5% Netflix low cost by way of the Amazon Prime card, for instance. In these instances, the companies decide up the cardboard’s common 1% money again.
- The Amex Blue Cash card is essentially the most versatile because it works with nearly every major streaming service (together with Netflix, Disney Plus and HBO Max), and its 6% money again is among the many highest we have seen. To understand the financial savings, nevertheless, you have got to overcome its $95 annual price. Doing so is less complicated if you happen to’re paying for a lot of subscriptions, particularly costly ones like . As of press time, Amex was working a promotion that was waiving this price for the primary 12 months which ought to make signing up a bit simpler.
- To maximize financial savings utilizing the Amazon Prime card’s 5% money again, you will need to subscribe to companies like HBO, Starz and MLB TV through . While you want to be a Prime member to get the cardboard, you do get 5% again on that $119 yearly cost if you happen to pay for it with this card.
- To maximize financial savings utilizing the Apple Card’s 3% money again, you want to subscribe to Apple’s companies (like Apple TV Plus, Apple Music and iCloud) in addition to HBO, Showtime and others .
- Among cards with no annual price, the US Bank Cash Plus Visa card presents the flexibility to select two classes every quarter the place you may earn up to 5% money again on up to $2,000 in purchases and streaming is one of those options.
- Capitol One’s SavorOne Rewards card presents 3% money again on “popular” streaming companies together with Netflix, Hulu and Disney Plus. There’s no annual price for the SavorOne card, however if you would like 4% money again on streaming you may go for the corporate’s Savor Rewards card. The latter card has larger money again for eating and leisure as nicely, however there’s a $95 annual price.
- Some cards, just like the Chase Freedom or Discover It, supply totally different classes every quarter the place you may opt-in and earn additional money again. For Chase, for instance, the primary quarter of the 12 months provided 5% money again on streaming companies however the the rest of the 12 months switched to different classes corresponding to gasoline stations and grocery shops.
Your alternative in card additionally relies upon on what else you buy past streaming companies.
The American Express card presents 6% money again on groceries and three% on gasoline, for instance, which might go a great distance towards offsetting that annual price. Amazon Prime members who’re frequent consumers on Amazon.com or Whole Foods will probably profit through the use of the Prime card and switching companies like HBO or Showtime to Prime Video channels. The similar goes for individuals who are joyful in Apple’s system and use Apple Music and iCloud, and do not thoughts paying for HBO, Showtime or Starz by way of Apple TV.
Here’s extra particulars on all of the cards we in contrast.
American Express Blue Cash Preferred
In addition to its hefty 6% cash back at US supermarkets (up to $6,000) and 3% back on transit (including gas stations, ride shares, public transportation and parking), Amex’s $95 annual fee card has the highest cash-back perk for streaming subscribers: 6% on “select US streaming subscriptions.”
Many of the most popular streaming video services are eligible, including HBO Max, Netflix, Hulu, Disney Plus, Paramount Plus, Peacock, Apple TV Plus, Showtime and Amazon Prime Video. You can also get 6% back on live TV from Sling TV, Hulu with Live TV, Fubo TV and YouTube TV.
Music streamers are also eligible, including Amazon Music Unlimited, Apple Music, iHeartRadio, Spotify, Pandora and YouTube Music Premium are eligible too, as well as sports streamers ESPN Plus, MLB.TV, NBA League Pass and NHL.TV and even Amazon’s Kindle Unlimited.
Subscriptions not on American Express’ list, such as Amazon Prime, iCloud and Xbox Live, are not eligible for the boosted cash back.
Though 6% doesn’t sound like much, if you’re paying $13.99 per month for Netflix, $9.99 for Spotify Premium and $14.99 for HBO Max, a simple switch of the card could bring back over $28 per year.
The savings are even more pronounced if you use a streaming TV service like YouTube TV, which starts at roughly $65 per month. Assuming you pay for that plus Spotify or Apple Music, you’d save around $54 per year.
While this doesn’t cover the card’s $95 annual fee, it also is not factoring in the other Amex perks for saving on groceries and transit. New users will might also be able to get the first year’s fee waived as well as $150 back through statement credits after spending $3,000 on the new card in the first six months.
Amazon Prime Rewards Visa Signature
Amazon’s Prime Visa has no annual fee for the card and offers 5% cash back on all purchases made on Amazon for Prime members. This works on not just the annual Prime membership fee ($119 per year) but also will give 5% back on— Amazon’s service that lets you subscribe directly to services like HBO, Showtime, Starz, CBS All Access, MLB.TV and about 100 others.
Though this group excludes heavy hitters like Netflix and Spotify, assuming you already pay for Amazon Prime, the lack of an annual fee makes its savings potential that much greater.
The Prime Video Channel prices for HBO ($14.99 per month), Starz ($8.99) and Showtime ($10.99) are the same as for standalone apps like HBO Now and in line with what’s offered from cable companies. If you pay for Prime and HBO, for example, doing it through Amazon saves you roughly $14.94 per year — nearly enough for one month of HBO.
And remember, all other purchases from Amazon or Whole Foods can earn you 5% cash back, while you can also get 2% back at gas stations, restaurants and drugstores.
Amazon is running a promotion where it will include a $150 gift card upon approval.
Apple will give 3% cash back for purchases made directly from Apple. This includes purchases made at a physical Apple Store, Apple’s website, Apple Music, iCloud subscriptions, app purchases, in-app purchases, iTunes, App Store and more.
The Apple Card also pays cash back on Apple TV channels. Similar to Amazon Prime Video Channels, Apple TV channels include HBO, Showtime, Starz and more, with the services available inside the Apple TV app for iOS, Apple TV and most modern smart TVs — as well as other platforms including Roku, Google TV, Android TV and Amazon Fire TV.
The pricing for those services is often the same as it would be elsewhere, so subscribing to the HBO, Showtime and Starz Apple TV channels saves you $12.60 per year.
YouTube TV is one notable exception, with the cost running $55 per month for a subscription made from an iOS device and $50 per month if you sign up elsewhere (Apple takes a cut on subscriptions made through iOS apps).
Apple Card doesn’t have an annual fee and the cash back is daily, as opposed to monthly like traditional credit cards. Purchases made with Apple Pay also get you 2% cash back.
One of the caveats for Apple Card: You’ll need an iPhone to get it.
US Bank Cash Plus Visa Signature
The US Bank Cash Plus Visa Signature card is similar to the Chase Freedom or Discover It card, in that it has no annual fee and offers higher cash back in different shopping categories each month. Unlike those other cards, with the US Bank card you can pick (from a list) which two categories earn 5% cash back and which earns 2%, with all other purchases earning 1% cash back.
The 5% is for the “first $2,000 in combined eligible net purchases in your chosen 5% categories” in each quarter, meaning you can save a maximum of $400 per year through this method, with the 2% and 1% options being “unlimited.” That said, if you want to save on streaming, cell phone service, utilities or groceries without needing to pay an annual fee, it’s a tempting offer.
Examples of merchants and services can be found on US Bank’s site.
And as a Visa Signature card, it also includes access to perks such as Visa’s Concierge service plus an extra one year of warranty protection on items that have “eligible warranties of three years or less.”
No matter what card you choose, the good news is there are plenty of new options to help you save money on streaming.
Capital One SavorOne Rewards and Savor
Capital One’s SavorOne and Savor cards will give you some cash back on streaming, with the SavorOne offering 3% back on “popular” streaming services, grocery stores, dining and entertainment for no annual fee.
The Savor card, meanwhile, bumps that up to 4% for all of the above categories but requires a $95 annual fee. Both cards earn 1% cash back on all other purchases and 8% back on tickets from Vivid Seats. The cards are Mastercards (according to NerdWallet and WalletHub) and their perks include extended warranty protections, no foreign transaction fees and travel accident insurance.
What qualifies as a “popular” streaming service, however, isn’t clear. Capital One says in the FAQ on its website that Netflix, Hulu and Disney Plus are eligible, but that Prime Video, AT&T TV and Verizon Fios On Demand are not. It also won’t work with “audiobook subscription services and fitness programming.”
Although there does not appear to be a dedicated list on its website, CNET has reached out to try and find more information and will update if Capitol One responds.
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