Best credit cards for streaming services and subscriptions in Canada for 2026

Jordan Lavin

May 29, 2026

Streaming subscriptions have become a regular part of Canadians’ monthly spending, with around 90% of adults now using streaming services and 40% having access to three or more subscriptions. From Netflix and Disney+ to Spotify, Sportsnet+, and Amazon Prime Video, streaming and entertainment services can take a big bite out of your budget. The best credit cards for streaming services can help you earn more rewards or cash back on the monthly entertainment subscriptions and recurring bill payments you’re already paying for.

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Best credit cards for streaming in Canada for 2026 - compared

Travel credit card	Best for	Streaming & subscription earn rate	Annual fee	First year value (after annual fee)
American Express Cobalt	Best overall credit card for streaming services	3x Membership Rewards points on eligible streaming subscriptions	$192	$607
Scotiabank Gold American Express Card	Best travel rewards credit card for streaming services	3x Scene+ points on eligible select streaming services	$120	$1186
Scotiabank Momentum Visa Infinite Card	Best cash back credit card for recurring bills	4% cash back on recurring bill payments and subscription purchases	$120	$887
Tangerine Money-Back Credit Card	Best no annual fee credit card for streaming services	2% cash back when recurring bill payments are selected as a bonus category	$0	$224
TD Cash Back Visa Infinite Card	Best cash back Visa card for streaming services	3% cash back on recurring bill payments and streaming, digital gaming & media purchases	$139	$772
BMO eclipse Visa Infinite Card	Best credit card with monthly subscription perks	Up to $20 per month in streaming subscription statement credits	$120	$947

Best credit cards for streaming services

Not all rewards credit cards treat subscription spending the same way. Some offer bonus points specifically for streaming services, while others reward recurring bill payments more broadly with elevated cash back or travel rewards. Whether you want flexible points, straightforward cash back, or extra subscription perks, these are some of the best credit cards in Canada for getting more value from your monthly entertainment spending.

Best overall credit card for streaming services

Featured

4.5 Ratehub rated

Best for Groceries & dining

First year reward

$607/yr

based on spending $2,200/mo after $192 annual fee

Earn rewards: 1pt – 5pts / dollar spent
Welcome bonus: Earn up to 15,000 points (a $150 value)
Annual fee: $192

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Perks of the American Express Cobalt® Card

Perks	Details
Lounge access	Not included
No foreign exchange fees	Not included
Travel accident insurance	up to $250,000
Travel emergency medical	$5,000,000 for first 15 consecutive days (under 65)
Car rental insurance	MSRP of up to $85,000, for 48 days
Trip cancellation	Not included
Trip interruption	Not included
Flight delay insurance	up to $500 (combined maximum with Baggage Delay Insurance); delays 4 hours or more
Baggage loss insurance	$500 per trip for all persons
Baggage delay insurance	$500 (combined maximum with Flight Delay Insurance); delays 6 hours or more
Hotel/motel burglary	$500 against the loss of most personal items (excluding cash)
Mobile insurance	Up to $1,000 for 90 days
Purchase assurance	Up to $1,000 for 90 days
Extended warranty	Up to one additional year
Price protection	up to 1 additional year

Other perks

Apply with confidence! See if you’ll be approved before you apply – with no impact to your credit score*.
- *Instant decisions are only available for Consumer (also known as Personal) Card applications.
In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards^® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets
Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
Earn 3X the points on eligible streaming subscriptions in Canada
Earn 2X the points on eligible ride shares, transit & gas in Canada
Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
Earn 1X point for every $1 in Card purchases everywhere else
Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
Transfer points 1:1 to several frequent flyer and other loyalty programs
Access Front Of The Line^® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences^TM
$15.99/month (Equals $191.88 annually) for non-Quebec residents. $191.88/year for Quebec residents.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

Ratehub’s take

The American Express Cobalt is one of Canada’s best travel credit cards. If you’re looking for a versatile credit card that rewards both everyday spending and travel, the American Express Cobalt is an ideal choice. Cardholders can enjoy strong travel insurance, a generous welcome offer, and flexible point redemption options.

Pros

Exceptional point earning: 5x the points on eligible restaurant and food delivery, 3x the points on eligible streaming services, 2x the points on ride shares, transit and gas. The earning potential for restaurants and takeout is significantly higher than most other cards
Flexible point redemption: Travelers can choose from three ways to use their points: points 1:1 to several valuable loyalty programs including Aeroplan, use the Fixed Points Program to simplify redemptions regardless of travel dates, or use points for statement credits at a rate of 1 point = 1 cent. Or, redeem Membership Rewards for travel, gift cards, merchandise, or purchases
Exclusive access: Enjoy privileges such as Front of the Line Presale and Reserved tickets to concerts, theatre performances, movie screenings, culinary events, and other special offers
Comprehensive travel insurance: Benefit from a strong travel insurance package, including up to $5,000,000 in travel emergency medical
No additional fee for authorized users: Add authorized users for no extra cost (an average fee of $30-50 on other comparable cards)

Cons

Monthly fee: A monthly fee of $15.99 (totalling an annual fee of $191.88, which is higher than most other rewards cards)
Limited acceptance: American Express isn’t as widely accepted in Canada compared to Visa and Mastercard
Travel insurance age limitations: The travel insurance package does not cover trip cancellation or medical coverage for cardholders over the age of 65
Lack of airport lounge access: Frequent travellers may be disappointed as this card does not offer access to airport lounges

The American Express Cobalt Card is one of the strongest rewards cards for subscription spending thanks to its 3x earn rate on eligible streaming subscriptions in Canada. It’s especially valuable for people who already spend heavily on dining and groceries, since the card also earns 5x points on eligible eats and drinks in Canada. Membership Rewards points are flexible and can be transferred to several airline and hotel loyalty programs, making this card a favourite among travellers looking to maximize everyday spending.

Best travel rewards credit card for streaming services

Featured

4.0 Ratehub rated

Best for Groceries & dining

First year reward

$1,186/yr

based on spending $2,200/mo after $120 annual fee

Earn rewards: 1pt – 6pts / dollar spent
Welcome bonus: Earn up to 45,000 points (a $450 value)
Annual fee: $120

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Perks of the Scotiabank Gold American Express® Card

Perks	Details
Lounge access	Not included
No foreign exchange fees	Included
Travel accident insurance	up to a maximum of $500,000 (to a maximum of $1,000,000 per occurrence)
Travel emergency medical	$1,000,000 for 25 days (under 65)
Car rental insurance	MSRP of up to $65,000, for 48 days
Trip cancellation	Up to $1,500 per person for travel expenses (maximum $10,000 per trip)
Trip interruption	Up to $1,500 per person for travel expenses (maximum $10,000 per trip)
Flight delay insurance	Up to $500 coverage per person
Baggage loss insurance	Up to $1,000 (combined maximum with lost baggage)
Baggage delay insurance	Up to $1,000 (combined maximum with lost baggage); delays over 4 hours
Hotel/motel burglary	Up to $1,000 per burglary occurrence
Mobile insurance	Up to $1,000 per occurence
Purchase assurance	Covered for 90 days
Extended warranty	Up to one additional year
Price protection	60 days from the date of purchase of most new items of personal property purchased in Canada

Other perks

Earn up to $850 in welcome offers, first year rewards and savings value, and up to 45,000 bonus Scene+ points.¹
Earn 6x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more
Earn 5x Scene+ points¹ for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
Earn 5x Scene+ points¹ for every $1 you spend in Canada eligible entertainment purposes.Includes movies, theatre and ticket agencies stores.
Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible gas and daily transit options.Includes rideshares, buses, subway, taxis and more
Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible select streaming sevices
Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
No Foreign Transaction Fee
Comprehensive Travel Insurance coverage
AMEX Offers®
AMEX Front of the Line®
American Express Invites®
Complimentary Concierge Services
Apply with confidence! See if you’ll be approved before you apply – with no impact to your credit score*.
- *Instant decisions are only available for Consumer (also known as Personal) Card applications.
Rates, fees and other information are effective as of October 31, 2025. Subject to change.

Ratehub’s take

The Scotiabank Gold American Express Card earns an honourable mention as one of the best overall travel credit cards for the outstanding benefits it offers to cardholders. This card stands out as a top choice, thanks to its exceptional return on spending and a variety of travel-related perks. This card is particularly useful for those who dine out often, travel, and enjoy entertainment.

Pros

No foreign exchange fee: Save on foreign currency purchases while travelling abroad or shopping online, as this card doesn’t charge the typical 2.5% foreign transaction fee
Extensive insurance coverage: Enjoy comprehensive travel insurance, including the $1 million travel medical insurance, which lasts for 25 days and is one of the longer coverage periods available on the market
High return on spending: Earn five points per $1 spent on groceries, restaurants, food delivery, and entertainment – one of the best in class multipliers in the market. Earn three points per $1 spent on gas and transit expenses

Cons

Limited acceptance: American Express isn’t as widely accepted in Canada compared to Visa and Mastercard
Annual Fee: This card carries an annual fee of $120
Fixed point values: Although earn rates are high, travel points are always worth one cent per point and you can’t transfer your points to other airline rewards programs like you can with other cards
Airport lounge access is not free: Although you’ll get a discount on a Priority Pass membership for airport lounge access, lounge visits aren’t included with the card

The Scotiabank Gold American Express Card is one of the better travel rewards credit cards for streaming services, earning 3x Scene+ points on eligible select streaming subscriptions. The card also rewards entertainment spending more broadly, with 5x Scene+ points on eligible entertainment purchases, dining, food delivery, and grocery purchases. Add in no foreign transaction fees and comprehensive travel insurance coverage, and it’s a strong all-around card for both entertainment and travel spending.

Best cash back credit card for recurring bills

Featured

Best for Groceries & bills

First year reward

$887/yr

based on spending $2,200/mo after $120 annual fee

Earn rewards: 1% – 4% / dollar spent
Welcome bonus: Earn up to $300
Annual fee: $120 $0 first year waived

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Perks of the Scotia Momentum® Visa Infinite+* Card

Perks	Details
Lounge access	Not included
No foreign exchange fees	Not included
Travel accident insurance	Up to $1,000,000 per occurrence
Travel emergency medical	Up to $1,000,000 for 15 days (under 65)
Car rental insurance	up to for 48 days
Trip cancellation	Up to $10,000 per trip
Trip interruption	Up to $10,000 per trip
Flight delay insurance	up to $500 per Insured Person
Baggage loss insurance	up to $500 per occurrence
Baggage delay insurance	up to $500 per occurrence
Hotel/motel burglary	Not included
Mobile insurance	Up to $1,000
Purchase assurance	Up to 90 days
Extended warranty	One additional year
Price protection	Not included

Other perks

Earn 15% cash back on all purchases for the first 3 months (up to $2,000 in total purchases)¹
No annual fee in the first year, including on additional cards.¹
4% for every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases
2% for every $1 you spend on gas and daily transit purchases
1% cash back on all other purchases with no cashback limit
Travel with confidence using 10GB of free GigSky global mobile data for 15 days with
unlimited Travel Essentials by GigSky for essential travel apps.
Visa Infinite cardholders also continue to receive one complimentary 1GB/15-Day GigSky
global mobile data plan each year, plus 20% off future GigSky purchases with their
[Scotiabank Visa Infinite+] card.
Visa Infinite* Concierge Services
Visa Infinite* Hotel Collection
Visa Infinite* Dining and Wine Country program
Comprehensive Travel Insurance & New Mobile Device Insurance coverage
New 2% Cash Back earn category: You will earn 2% on all eligible purchases of Food Delivery¹.
New Cash Back Anytime feature: Redeem your cash back that you’ve earned whenever you need it, through the Scotia app or Scotia Online ($25.00 minimum redemption)¹.
Rates, fees and other information are effective as of May 1, 2026. Subject to change.”

Ratehub’s take

The Scotiabank Momentum Visa Infinite+ Card offers impressive rewards on everyday purchases. This card earns great cash back on many categories – however, its stand-out feature is 4% cash back on groceries. This card can help offset rising household expenses and is considered to be one of the best cash back credit cards.

Pros:

High cash back rate on essentials: Enjoy significantly higher earn rates on groceries, bills, and subscriptions (4% cash back)
Comprehensive insurance coverage: Benefit from strong insurance coverage typically is reserved for travel credit cards
Lucrative welcome offer

Cons:

Spending cap on bonus categories: Annual total spend limit of $25,000 on the 4% and 2% spending categories; thereafter, the earn rate drops to 1%
Limited redemption flexibility: Cash back reward is only offered as a statement credit once per year in November and cannot be redeemed in smaller amounts or any other time of year

If you prefer cash back to points, the Scotiabank Momentum Visa Infinite + Card gives you 4% cash back on all of your recurring bill payments including subscription services. It also has comprehensive travel insurance coverage and mobile device insurance, plus other benefits from Visa Infinite.

Best no annual fee credit card for streaming services

Featured

4.5 Ratehub rated

Best for Flexible spending

First year reward

$224/yr

based on spending $2,200/mo after $0 annual fee

Earn rewards: 0.5% – 10% / dollar spent
Welcome bonus: Earn up to $100
Annual fee: $0

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Perks of the Tangerine Money-Back Credit Card

Perks	Details
Lounge access	Not included
No foreign exchange fees	Not included
Travel accident insurance	Not included
Travel emergency medical	Not included
Car rental insurance	up to 31 consecutive days
Trip cancellation	Not included
Trip interruption	Not included
Flight delay insurance	Not included
Baggage loss insurance	Not included
Baggage delay insurance	Not included
Hotel/motel burglary	Not included
Mobile insurance	up to $1,000
Purchase assurance	combined $60,000 lifetime limit with extended warranty
Extended warranty	Up to one additional year. Combined maximum of $60,000 with purchase assurance
Price protection	Not included

Other perks

Ratehub.ca’s 2023 Award Winner – Best No Fee Cash Back Credit Card
Get the Tangerine Money-Back Credit Card and make it rain with Rewards. Apply by September 30, 2026 and earn an extra 10% cash back (up to $100) when you spend $1,000 within your first 2 months.* That’s on top of earning 2% Money-Back Rewards in up to 3 Categories* of your choice, like gas, groceries and home improvement. *Conditions apply.
Transfer and save
During your first 30 days, transfer balances up to your credit limit and pay an interest rate of only 1.95% on the transferred balance for 6 months (22.95% after that). A Balance Transfer fee of 1% on the amount transferred will apply.¹¹
Spend confidently with the Tangerine Money-Back Credit Card. Have peace of mind knowing you’re covered with Purchase Assurance and Extended Warranty** of up to $60,000 (lifetime maximum).

Ratehub’s take

While the Tangerine Money-Back Credit Card is a no annual fee card, what really sets it apart is the ability to customize your rewards. With this card, you can choose your own bonus categories (which will earn you a strong cash back rate of 2% per dollar spent). This is rare in the credit card market and means you can avoid being locked into a bonus category that you can’t take full advantage of, or that doesn’t align with your spending habits.

Pros

Customizable bonus categories: Flexibility to pick up to three bonus categories to earn 2% cash back on (out of a total of 13 options), which is in sharp contrast to most other cards where you have fixed bonus categories that you have no control over. Users are also given the freedom to change the bonus categories at any time (changes will take up to 90 days to come into effect)
High cash back earning rate: 2% cash back per dollar on bonus categories is one of the richest earn rates for a no-fee card, plus your rewards are unlimited and don’t have monthly or annual maximums
Wide acceptance: Widely accepted almost everywhere including No Frills and Costco
Additional cards at no cost: Free supplementary cards for authorized users
Frequent cash back reimbursement: Cash back is refunded on a monthly basis, instead of the standard annual reimbursement

Cons

Limited cash back for non-bonus categories: For all purchases that aren’t categorized under one of your chosen bonus categories, you’ll earn just 0.5% cash back
Limited travel insurance and perks: No travel medical insurance or any substantial side perks

The Tangerine Money-Back Credit Card is one of the best no-fee credit cards for recurring bill payments thanks to its customizable rewards categories. Cardholders can earn 2% cash back in up to three categories of their choice, including recurring bill payments, making it a great option for earning rewards on streaming services. Since there’s no annual fee, it’s an easy way to earn cash back on entertainment subscriptions and everyday spending without adding another monthly cost.

Best cash back Visa card for streaming services

Featured

Best for Household spending

First year reward

$772/yr

based on spending $2,200/mo after $139 annual fee

Earn rewards: 1% – 3% / dollar spent
Annual fee: $139 $0 first year waived

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Perks of the TD Cash Back Visa Infinite* Card

Perks	Details
Lounge access	Not included
No foreign exchange fees	Not included
Travel accident insurance	Not included
Travel emergency medical	Included
Car rental insurance	Included
Trip cancellation	Not included
Trip interruption	Not included
Flight delay insurance	Not included
Baggage loss insurance	Included
Baggage delay insurance	Included
Hotel/motel burglary	Not included
Mobile insurance	Included
Purchase assurance	Included
Extended warranty	Included
Price protection	Not included

Other perks

Earn up to $600 in total value^†, which includes 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500^† and receive an Annual Fee rebate for the first year^†. Conditions apply.
- Bonus Eligible Purchases are Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases, until a total collective spend of $3,500 of such purchases have been made^†
- Receive 24/7 Roadside Assistance with Free Deluxe TD Auto Club membership^†.
- Get an annual fee rebate for the first year^†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Earn Cash Back Dollars on every eligible Purchase.
Emergency Road Services with Deluxe TD Auto Club Membership^†
Complimentary Visa Infinite* Concierge service^† available 24/7
Mobile Device Insurance^†
Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases^†.
Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
Earn 1% in Cash Back Dollars on all other Purchases made with your Card^†
Redeem your Cash Back Dollars to help pay down your Accounts balance whenever you please – the choice is yours†!
Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
This offer is not available for residents of Quebec
^†Terms and conditions apply.
Financial institutions pay us for connecting them with customers, including by paying for advertisements, clicks, or when someone applies for/is approved for a product. Terms and conditions apply between you and the provider of the product – please be sure to review them. Product information and details vary for Quebec. The content provided on our site is for information only; it is not meant to be relied on or used in lieu of advice from a professional. Partners/Advertisers are not responsible for the accuracy of information on our site. However, not all products we list are tied to compensation for us. Our industry-leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.

Ratehub’s take

The TD Cash Back Visa Infinite offers a strong earn rate on rewards and the option to redeem your cash back at any time (minimum $25). Plus, the card packs a punch with added benefits like travel insurance coverage – which is rare for a cash back card.

Pros

High earn rate: Strong earn rate of 3% cash back on gas, groceries and recurring bills and 1% on all other purchases
Additional perks: Complimentary roadside assistance through Deluxe TD Auto Club membership, discounts at Avis and Budget Rent-A-Car locations
Travel insurance: This card includes travel medical and delayed/lost baggage insurance, which is quite uncommon for non-travel cards. Additional insurance includes purchase security and extended warranty protection.

Cons

Cap on key spending categories: $15,000 yearly spending cap for gas, groceries and recurring bills – after which the rate drops to 1%. Big spenders in these categories may want to consider partnering this card with one that offers non-capped rates
Income requirements: $60,000 minimum personal income requirement may pose a hurdle for some users

The TD Cash Back Visa Infinite* Card is one of the strongest cash back credit cards for streaming services thanks to its 3% cash back earn rate on eligible recurring bill payments and streaming, digital gaming, and media purchases. It’s a particularly good fit for households with multiple monthly subscriptions and everyday spending across categories like groceries, gas, transit, and EV charging. The card also comes with a strong insurance package, roadside assistance, and other Visa Infinite perks.

Best credit card with monthly subscription perks

Featured

4.0 Ratehub rated

Best for Food & transit

First year reward

$947/yr

based on spending $2,200/mo after $120 annual fee

Earn rewards: 1pt – 5pts / dollar spent
Welcome bonus: Earn up to 70,000 points (a $466 value)
Annual fee: $120 $0 first year waived

check eligibility

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Perks of the BMO eclipse Visa Infinite* Card

Perks	Details
Lounge access	Not included
No foreign exchange fees	Not included
Travel accident insurance	$500,000 per person
Travel emergency medical	up to $5,000,000 for first 15 days (under 65)
Car rental insurance	MSRP of up to $65,000, for 48 days
Trip cancellation	Not included
Trip interruption	Not included
Flight delay insurance	Not included
Baggage loss insurance	Not included
Baggage delay insurance	Not included
Hotel/motel burglary	Not included
Mobile insurance	Up to $1,000 per occurrence
Purchase assurance	up to 90 days
Extended warranty	Up to one additional year
Price protection	Not included

Other perks

Get up to $1,150 in value including up to 70,000 Bonus points, monthly streaming statement credit, $50 statement credit, and no annual fee in your first year.*
Earn 5x the BMO Rewards points on groceries, dining, gas and transit*
Get 1 BMO Reward for every $1 spent on everything else*
Get a $50 annual lifestyle credit to spend however you want*
Mobile Device Insurance that covers you for up to $1,000*
Earn 10% more points when you add an authorized user to your account*
Pay with Points by browsing your recent transactions & redeem your points for as little as $1
Purchase Protection*
Extended Warranty*
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Cash Advance & Balance Transfer Interest: 21.99% for Quebec residents
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply

Ratehub’s take

This premium card offers leading earn rates on everyday purchases for everything from gas, to recurring bills, groceries and takeout. Plus, BMO Rewards points are fairly flexible for travel — the most valuable redemption category for most cards, thanks to the Pay with Points option.

Pros

Flexible redemption options: The Pay with Points option allows you to book travel through any provider and then use your points to cover the purchase as a statement credit. This way, you’re not limited to booking through specific travel partners. Or, you can use your points to contribute to investments or savings accounts.
Generous perks: This card comes with travel, car rental, and mobile insurance, as well as a $50 annual lifestyle credit.

Cons

Spending caps for bonus categories: The bonus earn rates apply to the first $6,000 (dining and grocery) or $20,000 (gas and transit) in spending. After this, you’ll earn the base rate.
Points are worth slightly less: Compared to dynamic rewards programs like Aeroplan, BMO Rewards points are worth slightly less. Plus, since points have the same value regardless of where you are booking, you can’t stretch their worth by booking for specific destinations or dates.

The BMO Eclipse Visa Infinite is one of the few rewards cards in Canada that currently offers a dedicated streaming perk. Cardholders can earn $20 per month in streaming subscription statement credits on eligible recurring subscriptions, for a total value of up to $240 annually. Depending on the services you subscribe to, that could cover several months of streaming each year. Eligible services include Netflix, Disney+, Crave, Spotify, Apple TV, and more. Beyond its streaming credits, the card also earns 5x BMO Rewards points on groceries, dining, gas, and transit purchases, plus 1 point per dollar spent on everything else. It also comes with a $50 annual lifestyle credit, flexible rewards redemptions, and solid insurance coverage, making it a strong all-around rewards card for everyday spending.

What counts as a streaming service or subscription purchase?

Streaming and subscription purchases usually include any recurring monthly or annual payment charged automatically to your credit card. Depending on the card issuer, these purchases may be categorized as “streaming services,” “digital entertainment,” or “recurring bill payments.”

Popular streaming and subscription services in Canada include:

Netflix
Disney+
Crave
Amazon Prime Video
Apple TV+
Spotify
YouTube Premium
Audible
DAZN
Sportsnet+
TSN+
Paramount+

Many of the best credit cards for streaming services in Canada reward these purchases with bonus points or elevated cash back rates. In some cases, streaming subscriptions qualify under a broader recurring bill payments category, which may also include phone bills, gym memberships, and software subscriptions.

Before choosing a credit card, it’s important to check how your issuer classifies subscription purchases. Some cards specifically advertise elevated rewards on specific streaming services, while others reward purchases coded more generally as recurring payments.

You should also keep credit card network acceptance in mind. While most major streaming platforms like Netflix, Spotify, Disney+, and Amazon Prime accept American Express, some subscription services might only accept Visa or Mastercard. If you want to earn Amex Membership rewards, it’s worth confirming that your favourite streaming platforms accept American Express before applying.

American Express Cobalt

Scotiabank Gold American Express

Scotia Momentum Visa Infinite

Tangerine Money-Back Credit Card insurance

TD Cash Back Visa Infinite

BMO eclipse Visa Infinite

Also read:

Frequently Asked Questions

What credit card is best for streaming services?

The best credit card for streaming services depends on whether you prefer travel rewards, cash back, or subscription perks. In Canada, some of the top options include the American Express Cobalt Card for points rewards on eligible streaming subscriptions, the Scotiabank Momentum Visa Infinite+ Card for cash back on recurring bill payments and subscriptions, and the BMO eclipse Visa Infinite Card for its monthly streaming statement credits. The right card for you will depend on how much you spend on subscriptions and the type of rewards you value most.

Does Netflix take Amex in Canada?

Yes, Netflix accepts American Express in Canada, along with Visa and Mastercard. That means you can use eligible American Express credit cards to pay for your Netflix subscription and potentially earn bonus rewards if your card offers elevated points or cash back on streaming services or recurring bill payments. Popular cards like the American Express Cobalt Card and the Scotiabank Gold American Express Card may help you earn more rewards on Netflix purchases.

Are streaming subscriptions considered recurring bills?

Yes, streaming subscriptions are often considered recurring bills by credit card issuers. Many streaming services are charged automatically on a recurring monthly basis, which may allow them to qualify for recurring bill payment rewards categories. However, not all issuers classify streaming services the same way, so it’s important to check your card’s rewards terms and conditions before assuming a subscription purchase will qualify for bonus rewards.

Is it better to pay subscriptions annually or monthly?

Whether it’s better to pay subscriptions annually or monthly depends on your budget and spending habits. Annual subscriptions can sometimes save money because many streaming services offer discounted yearly pricing compared to monthly billing. Monthly subscriptions, however, provide more flexibility and may make it easier to cancel or switch services. If your credit card earns bonus rewards on recurring bill payments, both monthly and annual subscription charges may qualify for rewards.

Can recurring subscriptions help build credit?

Yes, using a credit card for recurring monthly subscriptions can help build credit if you consistently pay your balance on time and keep your credit utilization low. Regular subscription payments can contribute to a positive payment history when managed responsibly. However, carrying a balance or missing payments can negatively affect your credit score, even if the charges themselves are relatively small.

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Tags	Reward credit card