The Best Credit Card To Pay For Online Music And Satelite Radio Subscriptions

Remember the time when radio was free? True, we had to listen to commercials but that was a little price to pay to listen to the same 10 songs over and over and over again.

Today, we can listen to whatever music we want, wherever we want. At home, at work, in the car, at the gym or even when while traveling anywhere around the world, our music is only as far away as our connected device. This convenience comes at a price, a subscription (or multiple subscriptions) to music streaming services. Isn’t that worth not having to listen to annoying commercials or that one song that’s amazingly popular but you just can’t stand?

Like any recurring expense, you should be trying to maximize the rewards you earn for all the money you spend on online music subscriptions and satellite radio. There used to be one card to rule them all in this category, and it doesn’t even have an annual fee.

(Links to sign up for credit cards from this article or from our card reviews may pay us a  referral bonus)

ink_cash_card

The Chase Ink Cash Business Card

The Chase Ink Business Cash earns 5X/5% on the first $25,000 spent in combined purchases in the following categories each account anniversary (not calendar) year:

  • office supply stores (in person and online)
  • internet, cable and phone services

In my experience, the Ink Cash rewards 5X back on almost all streaming services and SiriusXM Satellite Radio.

For example, on this statement, I had charges totaling $662 from SiriusXM, Spotify and our cable/internet provider

Screen Shot 2019-05-16 at 11.26.51 PM

I received the 1 point per dollar for all purchases plus an additional 4 points for all of the charges. This has been my experience for my Sirius XM and Spotify charges over the last several years and is confirmed by this article on Doctor of Credit.

I transfer points from our Ink Cash card to our Sapphire Reserve card every couple of months to maximize their value through bookings on the Chase travel portal or transferring points to partner programs.

If you have a business and are under Chase’s 5/24 limit, it might make sense to pick up an Ink Cash just to take advantage of this opportunity depending on how much you spend on streaming services. If you have payments to Hulu, Netflix and Apple Music subscriptions along with Pandora, Spotify and SiriusXM Satellite radio, it’s possible to rack up some extra points for your everyday expenses.

Now, I would have felt safe with this recommendation if it wasn’t for a new entrant to the market…

American Express Blue Cash Preferred

blue-cash-preferred

The American Express Blue Cash Preferred offers 6% cash back on select U.S. streaming services including the following:

• Amazon Music
• Apple Music
• Audible
• CBS All Access
• Direct TV Now
• ESPN+
• Fubo TV
• HBO Now
• Hulu
• iHeartRadio
• Kindle Unlimited
• MLB.TV
• NBA League Pass
• Netflix
• NHL.TV
• Pandora
• Prime Video Unlimited
• Showtime
• Sling TV
• SiriusXM Streaming and Satellite
• Spotify
• Stitcher
• YouTube Music Premium
• YouTube Premium
• YouTube TV
This is a personal card so if you’re not able to apply for a business card (or are locked out of Chase cards because of their 5/24 limit), it’s another option to earn a great return on spending for streaming music and satellite radio expenses. The negatives about the Blue Cash Preferred is that it has a $95 annual fee and the earnings are only for cash back and can’t be transferred to other American Express Membership Rewards partners.

Other Options

There are a few other no-annual fee options out there you can use to earn a decent return on spending for streaming services:

Final Thoughts

If you’re able to get a Chase business card, the Ink Cash is the best card for streaming music and satellite radio charges because of it does not have an annual fee and the ability to transfer the points earned to other Ultimate Rewards accounts. If you have a decent amount of spending, the 6% cash back with the AMEX  Blue Cash Preferred might be a great option for you. Otherwise, the Wells Fargo Propel or Uber Visa are some no-annual fee alternatives.

Like this post? Please share it! We have plenty more just like it and would love if you decided to hang around and clicked the button on the top (if you’re on your computer) or the bottom (if you’re on your phone/tablet) of this page to follow our blog and get emailed notifications of when we post (it’s usually just two or three times a day). Or maybe you’d like to join our Facebook group, where we talk and ask questions about travel (including Disney parks), creative ways to earn frequent flyer miles and hotel points, how to save money on or for your trips, get access to travel articles you may not see otherwise, etc. Whether you’ve read our posts before or this is the first time you’re stopping by, we’re really glad you’re here and hope you come back to visit again!

This post first appeared on Your Mileage May Vary

Leave a Reply