Best Credit Card for Netflix in 2026

Other Options to Consider

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Blue Cash Everyday® Card from American Express

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[[ SINGLE_CARD * {"id": "260", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Everyday Spenders", "headerHint": "Consistent Cash Back"} ]]

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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

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Chase Sapphire Reserve®

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[[ SINGLE_CARD * {"id": "510", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Frequent Travelers", "headerHint": "$300 Annual Travel Credit"} ]]

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Points are not earned until after the first $300 is spent annually on travel purchases. The first $300 goes toward the $300 Annual Travel Credit.

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How to Choose a Credit Card for Netflix

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For the millions of households where Netflix is a monthly staple, the right credit card can turn that recurring charge into a steady stream of rewards.

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When choosing a card, it's easy to get tunnel vision and focus solely on the streaming rewards category. A common mistake is overlooking a high annual fee that could negate your earnings or choosing a card whose bonus categories don't align with your broader spending habits. The best card for you will offer solid value beyond just your Netflix subscription.

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Key Factors

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• Rewards on Streaming: Check for cards that explicitly include streaming services in a bonus rewards category to maximize your earnings on that specific bill.
• Annual Fee: Weigh the annual cost of the card against the total rewards you expect to earn. A high fee can easily cancel out the cash back from your Netflix subscription alone.
• Other Bonus Categories: A card's true value often lies beyond a single subscription. Ensure its bonus categories align with your top spending areas, such as dining, groceries, or travel.
• Welcome Offer: A strong introductory bonus can provide significant upfront value, sometimes enough to cover your Netflix subscription for an entire year or more.
• Redemption Flexibility: Evaluate how you can use your rewards. Flexible options like cash back or statement credits are often more practical than points tied to a specific program.
• Streaming Credits: Some cards offer annual or monthly statement credits specifically for streaming services, which can directly cover part or all of your Netflix bill.

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What to Watch Out For

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A common pitfall is assuming any card with a "streaming" bonus will cover your Netflix bill, as some issuers have specific lists of eligible services. Beyond that specific perk, be wary of high annual fees that can negate your rewards or bonus categories that don't align with your overall spending habits.

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Decision Flow

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If your main goal is to directly offset the cost of Netflix, look for a card that offers monthly or annual statement credits for streaming services. This is the most straightforward way to reduce your bill.

If you want to earn the highest possible rewards on your subscription, prioritize cards with a dedicated, high-percentage bonus category for streaming. This maximizes the return on that specific expense.

If you spend heavily on categories like dining or groceries, consider a card that groups streaming services with those broader bonus categories. The combined rewards from your total spending might offer more overall value than a card focused solely on streaming.

If you prefer simplicity and want to avoid annual fees, a no-annual-fee card that offers a modest bonus on streaming or general online purchases is your best bet. You'll still earn rewards without the pressure of offsetting a yearly cost.

If you value a large, immediate return, focus on cards with generous welcome offers. A strong introductory bonus can often be valuable enough to cover your Netflix subscription for an entire year or more.

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Maximize Your Return with Netflix

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To get the most out of your Netflix subscription, here are a few strategies to maximize your credit card rewards:

• Select a streaming-friendly card: Use a credit card that offers elevated rewards on streaming services to automatically earn more back on your monthly bill.
• Activate targeted offers: Check for special promotions like Amex Offers or Chase Offers, which can provide extra statement credits or bonus points for paying your Netflix bill.
• Purchase discounted gift cards: Use a credit card with high rewards at grocery or office supply stores to buy Netflix gift cards, effectively earning that card's higher rate on your subscription.
• Redeem rewards for statement credits: The most direct way to use your earnings is to redeem your cash back or points for a statement credit to offset the cost of your subscription.

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Supercharge your Rewards with Kudos

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Let Kudos automatically select the best card for every purchase to maximize your rewards and unlock hidden perks. Get started for free.

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Other Things to Consider

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Beyond just maximizing rewards on your Netflix bill, it's wise to consider your broader spending habits. For instance, if you're a frequent shopper at a specific retailer that offers its own credit card with streaming perks, that could be a more valuable option for you. Regardless of which card you choose, disciplined financial management is key. Earning cash back or points is only beneficial if you pay your balance in full each month to avoid interest charges that can quickly erase your rewards. Ultimately, successfully managing your credit cards, alongside any Buy Now, Pay Later plans or other debts, requires careful budgeting to ensure your entertainment doesn't come at the cost of your financial health.

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Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Can I get cash back on my Netflix subscription?

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Yes, many credit cards offer cash back or bonus points on streaming service purchases, which typically includes Netflix. The specific reward rate will depend on the card and its bonus categories.

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Are there credit cards that offer free Netflix?

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Some premium credit cards provide statement credits for streaming services that can cover the cost of your Netflix plan. These benefits are subject to the card's terms and may require enrollment.

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How do I update my credit card for Netflix?

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To change your payment method, log in to your Netflix account and navigate to the "Account" page. From there, you can select "Manage payment info" to add your new card details.

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