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Getting credit card cash back from streaming services

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    Quick insights

    • Credit cards can turn your streaming service subscriptions into opportunities to earn rewards.
    • Specific credit cards offer enhanced cash back for streaming services.
    • Using credit cards for subscriptions can help you manage monthly expenses and may help improve your credit score.

    As streaming services become increasingly integral to our daily entertainment, choosing the right credit card becomes every bit as important as choosing what to watch or listen to. With a cash back credit card, you can earn while you binge-watch. In this article we'll take a look at how your subscriptions can help boost your savings.

    How a credit card can be beneficial when paying for a streaming service

    There are a few reasons why credit cards can be beneficial payment methods for subscription services. Let’s take a closer look:

    • Ease of payment: Credit cards streamline the payment process, allowing for hassle-free automatic renewals of subscription services without the need to manually process payments each period.
    • Consolidated payments: Using a credit card for subscription services can simplify financial management by consolidating payments for various services into a single payment method.
    • Automatic payments: Setting up automatic payments helps ensure you don’t miss a payment date, avoiding late fees and service interruptions.
    • Credit score benefits: Regular, on-time credit card payments can positively impact your credit score over time.
    • Potential rewards: You may be able to earn increased points or cash back when you pay for your streaming service with a credit card.

    What Chase credit card could I use for subscription services?

    Chase Freedom Flex℠ stands out as a favorable choice for subscription services due to its cash back program. This card offers 5% cash back on rotating categories each quarter, which often include popular streaming and subscription services, up to a quarterly maximum when you activate. When timed correctly, you might be able to earn 5% cash back on an annual subscription to your chosen subscription services. This feature allows subscribers to maximize their returns on regular expenses.

    Additionally, the Chase Freedom Flex card provides 1% cash back on all other purchases, ensuring that all your subscription services earn rewards, even when they are not part of the rotating categories.

    The Chase Freedom Unlimited® card is another option worthy of consideration. While the Freedom Unlimited offers a flat 1.5% cash back on most purchases, it occasionally features promotional offers that include higher cash back percentages specifically for streaming services, making it a useful card for streaming service payments.

    What to consider when using a credit card for subscriptions

    So, is it helpful to use a credit card for subscription services? Yes, potentially. Let’s review some of the key reasons why:

    • Budget management: Using a credit card for subscriptions can help in budgeting by tracking spending and earning rewards.
    • Reward optimization: Selecting a credit card that offers specific rewards for subscription services maximizes the benefits received from routine payments.

    Maximizing rewards on streaming subscriptions

    There are a few things you can do to maximize your rewards on streaming services. Consider researching and selecting a credit card that offers the highest rewards rate on the streaming services you use most frequently. It is always helpful to read the terms and conditions of a credit card before applying.

    For cards with rotating categories, keep track of when streaming services are eligible for higher cash back rates and plan your subscriptions accordingly. You can also look for special promotions or additional cash back offers through credit card shopping portals or apps to stack rewards on your streaming service subscriptions.

    The bottom line

    Choosing the right credit card for your streaming service subscriptions can transform routine expenses into a source of rewards. Choose cards with benefits for services and set up automatic payments to simplify financial management and maximize rewards. Whether you're into movies, series, documentaries, podcasts or something else entirely, the right credit card can make your specific subscription more rewarding.

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