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Best credit cards for streaming services in Canada

Best credit cards for streaming services in Canada

Michelle Bates

By Michelle Bates

🗓️

Updated: October 24, 2024

Partners on this page provide us earnings.

As the popularity of streaming platforms rises, and Canadians subscribe to more than one streaming service, it's no surprise that you can now earn rewards for credit card payments to streaming subscriptions like Netflix, Amazon Prime and more. 

  • Why you can trust Money.ca's best streaming credit cards in Canada list

    +

    Money.ca rates all credit cards on a numeric scale of 1 to 5 stars, with 1 being the lowest and 5 the highest rating, respectively. Money.ca’s proprietary scoring formulas break down the confusing language, complex points, rewards and earn rates to give you the real data that caters to your needs first, not ours.

    Our partnerships have no impact on our ratings, which are solely determined by the merits of each card. To learn more about how we researched and ranked these cards, read our full credit card review methodology.

Best credit cards for streaming subscriptions in Canada

Here are the best credit cards for streaming services in Canada—to get the most back from your subscription spending.

Best overall

Best overall

Scotiabank Gold American Express®

Apply now

4.8

up to 45K pts

Welcome offer

Very Good

Suggested credit score

Earn up to $950* in value in the first 12 months, including up to 45,000 bonus Scene+ points¹

Expires

Nov 1, 2024

Apply now

Pros

  • Lots of daily spend options to earn multiplied point bonuses

  • Swanky Amex perks like Front of the Line presale concert tickets

  • Save on foreign transaction fees when abroad

  • Fantastic insurance coverage, especially for travel

Cons

  • Relatively low-value welcome bonus

  • $120 annual fee that chews into your point value substantially

  • Scene points redeem poorly for travel

Eligibility

Recommended Credit Score

Very Good

Pros

  • Lots of daily spend options to earn multiplied point bonuses

  • Swanky Amex perks like Front of the Line presale concert tickets

  • Save on foreign transaction fees when abroad

  • Fantastic insurance coverage, especially for travel

Cons

  • Relatively low-value welcome bonus

  • $120 annual fee that chews into your point value substantially

  • Scene points redeem poorly for travel

Eligibility

Recommended Credit Score

Very Good

Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more

6x

Scene+ points¹ for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.

5x

Scene+ points¹ for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.

5x

Scene+ points¹ for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more

3x

Scene+ points¹ for every $1 CAD you spend in Canada on eligible select streaming services

3x

Scene+ point for every $1 spent on all other eligible everyday purchases

1x

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$120

Foreign Transaction Fee

0%

For every dollar you spend in Canada using the Scotiabank Gold American Express® Card, you’ll earn lucrative Scene+ points on eligible streaming services. This includes popular subscriptions such as:

  • Apple TV+
  • Apple Music
  • Crave
  • Disney+
  • fuboTV
  • hayu
  • Netflix
  • RDS
  • SiriusXM Canada
  • Spotify
  • TSN
  • TruLocal

Conditions Apply. Visit here for the Scotiabank Gold American Express® Card to learn more.*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

Best cash back

Best cash back

Scotiabank Momentum® Visa Infinite

Apply now

5.0

10% back

Welcome offer

Excellent

Suggested credit score

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on additional cards.

Apply now

Pros

  • High earn rate on everyday spending categories

  • Comprehensive travel and purchase insurance

  • Visa Infinite perks such as concierge, events, and special offers

  • 25% Car rental discounts at Avis and Budget

  • Mobile device insurance

  • Up to $200 welcome bonus

Cons

  • Income requirements are higher: $60k personal or 100k household

  • Cash back can only be redeemed once a year

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

Pros

  • High earn rate on everyday spending categories

  • Comprehensive travel and purchase insurance

  • Visa Infinite perks such as concierge, events, and special offers

  • 25% Car rental discounts at Avis and Budget

  • Mobile device insurance

  • Up to $200 welcome bonus

Cons

  • Income requirements are higher: $60k personal or 100k household

  • Cash back can only be redeemed once a year

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

For every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases

4%

For every $1 you spend on gas and daily transit purchases

2%

Cash back on all other purchases with no cash back limit

1%

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$120

Foreign Transaction Fee

2.5%

Earn 4% cash back for every dollar you spend on recurring (daily, monthly or annual) subscription purchases with the Scotia Momentum® Visa Infinite* Card. 

Conditions Apply. Visit here for the Scotia Momentum® Visa Infinite* Card to learn more. See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

Best Amex MR

Best for American Express Membership Rewards points

American Express Cobalt® Card

Apply now

4.9

up to 15k pts

Welcome offer

Fair

Suggested credit score

Earn up to 15,000 Welcome Bonus Membership Rewards® points* – that’s up to $150 in value.

Apply now

Pros

  • High earn rates (up to 5% return on spending!)

  • Flexible month-by-month fee structure

  • Free supplementary cards

  • 1:1 points transfer with selected hotels, airlines and frequent flyer programs

Cons

  • Accelerated earn rates only apply to purchases in Canada (not to purchases made abroad)

  • Amex has a more limited merchant acceptance rate than Visa and Mastercard

  • Slightly higher than average annual fee

Eligibility

Recommended Credit Score

Fair

Required Annual Personal Income

$0

Required Annual Household Income

$0

Pros

  • High earn rates (up to 5% return on spending!)

  • Flexible month-by-month fee structure

  • Free supplementary cards

  • 1:1 points transfer with selected hotels, airlines and frequent flyer programs

Cons

  • Accelerated earn rates only apply to purchases in Canada (not to purchases made abroad)

  • Amex has a more limited merchant acceptance rate than Visa and Mastercard

  • Slightly higher than average annual fee

Eligibility

Recommended Credit Score

Fair

Required Annual Personal Income

$0

Required Annual Household Income

$0

the points on eligible eats & drinks purchases in Canada

5x

the points on eligible streaming subscriptions in Canada

3x

the points on eligible gas, transit & ride share in Canada

2x

the points on everything else

1x

additional Membership Rewards point for every $1 you charge on eligible hotel or car rental bookings made with American Express Travel

1

Get up to $100 USD hotel credit to use on amenities like dining, spa or other leisure facilities when charged to the room

$100 USD

Purchase APR

21.99%

Cash Advance APR

21.99%

Annual Fee

$155.88

Foreign Transaction Fee

2.5%

With the Cobalt card, you’ll earn 3 Membership Rewards points for every dollar you spend on eligible streaming subscriptions in Canada. This includes the following streaming platforms:

  • Apple TV+
  • Apple Music
  • Crave
  • Disney+
  • fuboTV
  • hayu
  • Netflix
  • RDS
  • SiriusXM Canada
  • Spotify
  • TSN
Best lifestyle

Best for lifestyle

BMO Eclipse Visa Infinite

Apply now

3.8

up to 60K pts

Welcome offer

Very Good

Suggested credit score

Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year - that's a $570 value in your first anniversary!*

Expires

Nov 30, 2024

Apply now

Pros

  • Excellent welcome offer: Get up to 60,000 points and a $50 lifestyle credit

  • Good earn rate in top spending categories

  • First year annual fee waiver* (Value: $120)

  • Includes new mobile device insurance: Up to $1,000 in coverage**

  • Annual $50 lifestyle credit to spend however you like*

  • Includes comprehensive travel insurance

  • Access to exclusive Visa Infinite benefits

Cons

  • High minimum annual income: Minimum $60,000 (individual) or $100,000 (household)

  • Insurance doesn't include trip cancellation coverage

Eligibility

Recommended Credit Score

Very Good

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

Pros

  • Excellent welcome offer: Get up to 60,000 points and a $50 lifestyle credit

  • Good earn rate in top spending categories

  • First year annual fee waiver* (Value: $120)

  • Includes new mobile device insurance: Up to $1,000 in coverage**

  • Annual $50 lifestyle credit to spend however you like*

  • Includes comprehensive travel insurance

  • Access to exclusive Visa Infinite benefits

Cons

  • High minimum annual income: Minimum $60,000 (individual) or $100,000 (household)

  • Insurance doesn't include trip cancellation coverage

Eligibility

Recommended Credit Score

Very Good

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

Earn 5x the points for every $1 spent on groceries, gas, dining in and out and transit.*

5x

Earn 10% more points when you add an authorized user to your account.*

10%

Get a $50 annual lifestyle credit to spend however you want*

$50

Purchase APR

20.99%

Balance Transfer Rate

23.99%

Cash Advance APR

23.99%

Annual Fee

$120

The BMO eclipse Visa Infinite* Card offers 1 BMO Rewards Point on every dollar spent on everything other than food, gas and transit (which offer higher rewards). This means you can potentially earn on any streaming subscription you have, just at a lower earn rate.

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

†Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of January 4, 2023.

Best TD

Best TD

TD Cash Back Visa Infinite* Card

Apply now

4.0

10% back

Welcome offer

Excellent

Suggested credit score

to receive the latest news, tips and offers by email

Apply now

Pros

  • Solid welcome offer

  • High earn rate for 3 popular categories

  • Can use cash back right away

  • Useful automotive benefits

Cons

  • Maximum spend limit for 3% cash back

  • High annual fee for a cash back card

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

Pros

  • Solid welcome offer

  • High earn rate for 3 popular categories

  • Can use cash back right away

  • Useful automotive benefits

Cons

  • Maximum spend limit for 3% cash back

  • High annual fee for a cash back card

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

Earn 3% cash back on groceries, gas, and recurring bill payments†

3%

Earn 1% cash back on all other purchases†

1%

Earn 50% more Starbucks Stars when you link your TD card to your Starbucks account.†

50%

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$139

Foreign Transaction Fee

2.5%

Earn 3% cash back on each dollar spent on eligible recurring online streaming subscriptions with the TD Cash Back Visa Infinite* Card. Keep in mind the service must be classified as a pre-authorized payment.

Best no fee

Best no annual fee

Tangerine Money-Back Credit Card

Apply now

4.0

10% back

Welcome offer

Good

Suggested credit score

Get 10% cash back on up to $1,000 in everyday purchases made within 2 months. Pay only 1.95% balance transfer interest for the first 6 months.

Expires

Nov 1, 2024

Apply now

Pros

  • No annual fee

  • Choose the spending categories where you want to earn the most cash back

  • Unlimited cash back—no maximum spending limit for any purchase category

  • Cash back is paid out monthly rather than annually

  • Periodically includes a special welcome offer where you can get extra cash back

  • 1.95% interest on balance transfers for the first 6 months (1% transfer fee applies)*

Cons

  • Regular cash back rates are still lower than what you can get from a card with an annual fee

  • Limited extra perks or benefits beyond the cash back and balance transfer promotion

  • Generally not a good fit for shopping at warehouse clubs or wholesale grocers like Costco or Walmart

  • Tangerine does not have any physical bank branches

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$12,000

Pros

  • No annual fee

  • Choose the spending categories where you want to earn the most cash back

  • Unlimited cash back—no maximum spending limit for any purchase category

  • Cash back is paid out monthly rather than annually

  • Periodically includes a special welcome offer where you can get extra cash back

  • 1.95% interest on balance transfers for the first 6 months (1% transfer fee applies)*

Cons

  • Regular cash back rates are still lower than what you can get from a card with an annual fee

  • Limited extra perks or benefits beyond the cash back and balance transfer promotion

  • Generally not a good fit for shopping at warehouse clubs or wholesale grocers like Costco or Walmart

  • Tangerine does not have any physical bank branches

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$12,000

Earn 2% cash back on 2 categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)

2%

Get a Tangerine Savings account and add a 3rd 2% cash back category.

3

Earn 0.50% on all your other everyday purchases.

0.5%

Variable APR

19.95% - 24.95%

Balance Transfer Rate

1.95%

Cash Advance APR

19.95%

Annual Fee

$0

Foreign Transaction Fee

2.5%

The Tangerine Money-Back Credit Card lets you choose the categories that will earn you 2% cashback. Streaming subscriptions fall under the recurring bill payments category.

Best BMO

Best BMO

BMO CashBack® World Elite®* Mastercard®*

Apply now

4.9

up to 10%

Welcome offer

Excellent

Suggested credit score

Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first anniversary*.

Expires

Nov 30, 2024

Apply now

Pros

  • Valuable sign-up bonus

  • High 5% cash back rate on groceries

  • Free roadside assistance

  • Excellent extended warranty and purchase protection terms

Cons

  • Restrictive spending limits for most cash back categories

  • Sign-up bonus structure is head-scratchingly complicated

  • High minimum income requirements

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$80,000

Required Annual Household Income

$150,000

Pros

  • Valuable sign-up bonus

  • High 5% cash back rate on groceries

  • Free roadside assistance

  • Excellent extended warranty and purchase protection terms

Cons

  • Restrictive spending limits for most cash back categories

  • Sign-up bonus structure is head-scratchingly complicated

  • High minimum income requirements

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$80,000

Required Annual Household Income

$150,000

Groceries: 5% cash back up to $500 spent per month ($25 in cash back)*

5%

Transit: 4% cash back up to $300 spent per month ($12 in cash back)*

4%

Gas: 3% cash back up to $300 spent per month ($9 in cash back)*

3%

Recurring Bills: 2% cash back up to $500 spent per month ($10 in cash back)*

2%

Everything Else: 1% cash back, unlimited*

1%

Purchase APR

20.99%

Balance Transfer Rate

23.99%

Cash Advance APR

23.99%

Annual Fee

$120

Foreign Transaction Fee

2.5%

Earn 2% cash back on recurring bill payments (which includes streaming services) with the BMO CashBack® World Elite Mastercard®*.

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

†Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of January 4, 2023.

List of apps

Popular movie and TV streaming subscriptions available in Canada

Streaming provider What’s available? Price
Netflix ● Standard with ads: Most movies and TV shows Netflix offers with ads and unlimited mobile games.
● Standard: Unlimited movies, TV shows and mobile games with no ads.
● Premium: Unlimited movies, TV shows and mobile games with no ads. Plus, add four devices instead of two and get Ultra HD quality, more downloads and two extra members outside of your household.
Standard with ads: $5.99
Standard: $16.49
Premium: $20.99
Amazon Prime ● Streaming: Unlimited TV and movie streaming, as well as music, podcasts, playlists, stations and free gaming, including a Twitch subscription.
● Shipping: Free release-date, same-day, one-day, two-day or standard shipping on eligible items.
● Shopping: 2.5% back with Amazon.ca Rewards Mastercard, 20% off on diaper subscriptions and 15% Baby Registry discount for families, and access deals 30 minutes early.
● Reading: Borrow e-books and e-magazines.
● Photos: Access unlimited photo storage in Amazon Drive.
Amazon Prime: $9.99/month or $99/year
Amazon Prime Student: $4.99/month or $49/year
Disney+ ● Disney+ Standard with Ads: Stream movies and TV shows with ads on two devices.
● Disney+ Standard: Stream movies and TV shows without ads on two devices and downloads on 10 devices.
● Disney+ Premium: Stream movies and TV shows without ads on four devices and downloads on 10 devices.
Disney+ Standard with Ads: $7.99/month
Disney+ Standard: $11.99/month or $119.99/year
Disney+ Premium: $14.99/month or $149.99/year
Crave ● Premium: Watch movies and TV shows, live channels, and use Airplay and Roku on four devices, ad-free. Also, benefit from offline downloads and chromecast capabilities.
● Standard: Watch movies and TV shows with ads and chromecast capabilities on four devices.
● Basic: Watch movies and TV shows with ads and chromecast capabilities on one device.
Premium: $22/month
Standard: $14.99/month
Basic: $9.99/month
Hayu ● Reality TV: Watch hundreds of reality shows and thousands of episodes as soon as they come out, ad-free. Plus, download episodes to watch on the go.
12 months: $61.99
6 months: $33.99
Monthly: $6.99
Apple TV ● Watch Apple Original TV shows and award-winning films. New releases are available to watch monthly. Apple TV+: $12.99/month
StackTV ● Watch television networks like Global, Food Network Canada, HGTV Canada, W Network, Slice, YTV, Disney Channel and more with commercials. StackTV: $12.99/month
Spotify ● Premium plans: All paid subscriptions offer ad-free music, download capabilities, quality audio, listen with friends feature and out-of-order shuffle capabilities. Individual: $10.99/month
Student: $5.99/month
Duo (2 accounts): $14.99/month
Family (up to 6 accounts): $16.99/month
Apple Music ● All subscriptions offer millions of ad-free songs, thousands of playlists, Siri capabilities, on-demand radio stations, Apple Music Sing and offline listening. Plus, the Family bundle accommodates six individuals with their own music library. Student: $5.99/month
Individual: $10.99/month
Family: $16.99/month
YouTube Music ● Access over 100 million songs, videos and live performances, ad-free. Listen and watch with your screen off and while you’re offline. Individual: $10.99/month
Student: $5.49/month
Family: $16.99/month
Tidal ● Listen to more than 110 million ad-free songs offline and access custom playlists. Individual: $10.99/month
Student: $4.99/month
Family: $16.99/month

Top sports streaming services available in Canada

Streaming provider What’s available? Price
TSN ● Watch live NFL, CFL, NBA, Regional Hockey, F1, golf and tennis programming and access insights from sporting experts. Monthly: $19.99+tax
4-month: $50.00+tax
Annual: $199.90+tax
Sportsnet ● Standard: Watch regional NHL games and playoffs, MLB games, NBA games, UFC fights and PPV programming.
● Premium: Watch everything offered with standard subscription plus out-of-market NHL games, WWE, FA, rugby and more.
Standard: $19.99
Premium: $34.99
FuboTV ● Entertainment: 62 channels including Global, HGTV, Disney and Cartoon Network.
● Sports: 77 channels including Premier League and Serie A.
● Premium: 98 channels including what’s available on Entertainment and Sports subscription and more.
Entertainment: $16.99
Sports: $29.99
Premium: $42.99
DAZN ● Watch NFL, MLB, MLS, boxing, MMA, WTA, UEFA and Europa League games. DAZN: $24.99/month
Paramount Plus ● Essential: Watch more than 40,000 movies and shows including some NFL and UEFA games with some ads.
● SHOWTIME: Watch more than 40,000 movies and shows virtually ad-free, including CBS streaming and SHOWTIME programming.
Essential: $5.99/month
SHOWTIME: $11.99/month
Tips to save

How to save money on streaming services like Netflix, Prime and Spotify

If you’re currently subscribed to a streaming service or are on the fence about signing up, here are some tips for lowering the cost:

  • Pay in a lump-sum: Opt for an annual subscription if it offers savings compared to a monthly subscription.
  • Rotate your streaming: If you’re trying out a service, purchasing a monthly subscription ensures you won’t lose money if you end up switching to a different streaming platform.
  • Try before you buy: Most streaming platforms have free trials. But your card will be on file, so make sure you cancel your trial before the month renews if you don’t plan on using it.
  • Max out users: Depending on the subscription you have, there will be a designated number of users who can sign in. Consider splitting the cost with others who are using the subscription.
  • Rewards redemption: Check if you can redeem your accumulated credit card rewards or points on streaming subscription purchases.

Contact American Express for the most up-to-date referral bonus figures.

Michelle Bates Freelance Writer

Michelle Bates has seven years of writing experience and has been writing and editing personal finance content since 2021, specializing in credit cards, home and auto insurance and mortgages. She is the former associate editor at WealthRocket and spent close to two years as an editor and writer for rate comparison website RATESDOTCA, where she wrote data-driven reports and edited freelancers’ articles. Her work has been covered by notable Canadian news sources like the Financial Post, The Globe and Mail, CTV News and Narcity.

Compare other popular Canadian credit cards

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