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Most of the time when you pull out a credit card, it's just to make a payment. But what if you could get other benefits too?
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Finding the best credit card for Netflix and internet tv subscriptions
What's the best way to fund your binge-watching habits?
Netflix is here. The pricing has been announced and the TV show and movie library has been released and pored over by every Australian keen to get their money's worth. So if you're ready to sign up — maybe you already have — there are definitely ways to get more bang for your buck when it comes to your Netflix subscription, and that comes down to how you're paying for it. Not sure what Internet TV provider to sign up with? Let us help you decide with the ultimate guide.
Be rewarded while you do nothing
What's this called again? Oh, yeah: LIVING THE DREAM! Link your rewards credit card to your Netflix subscription account and you'll earn points for watching TV.
How to choose the *best rewards credit card:
- Check the earn rate. How many points will you earn for each dollar you spend?
- How much does the card cost you to own? The annual fee and interest rate can also end up costing you, so be sure to check these are competitive.
How do you want to be rewarded?
Compare rewards credit cards
Compare more rewards credit cards here
A low rate card gives you a lower cost option to support your Netflix habits
If you need a credit card to link to your Netflix account and want to use it for other spending as well, think about how you'll be managing your repayments. If you don't think you'll be repaying your balance in full each month, then a low rate card could support your spending without charging you too much interest.
What to look for:
- The other costs of the card. Is there an annual fee? Does the card have a rewards program, and do you have to pay for it? What will you be charged for balance transfers?
Compare low rate cards
Learn more about low rate cards
Enjoy an interest-free line of credit
Want to link a credit card to your account but don't want to pay interest? You can take up a credit card with a purchase rate offer to enjoy interest-free spending for a limited amount of time. For example, you could get up to 13 months of 0% p.a. for your new Netflix account.
Things to keep in mind:
- Credit card features. Other than the purchase rate offer, does the card come with any other features? Balance transfer offers, rewards points, complimentary insurances and even concierge services could all be available with your new 0% purchase card, so be sure to check.
- Revert rate. What purchase rate applies when the introductory period is over? Check it's competitive because that's what rate will apply to any unpaid balance as well as ongoing purchases after the promotional period ends.
Compare interest-free cards
What cards offer you 0% p.a. for up to 13 months?
Why pay for a credit card at all?
Well, not at all — you'll still need to repay your balance — but if you're just going to be using your card for basic spending, why pay for it? Choose a card with no annual fee.
What to check when you're comparing:
- What rates apply? Look over the purchase rate, balance transfer rate (if you plan to use it) and the cash advance rate to ensure they're competitive.
- Do you get any extra features? Just because no annual fee is charged, that doesn't mean there are no other features on offer. Rewards programs, bonus points, complimentary insurances and the like can all be available.
No annual fee card options
Learn more about no annual fee cards
How to pay for Netflix
Netflix is offering all new sign-ups a free month trial to get a feel for the new Internet streaming service. When you sign-up you have the option to input your credit card details — Visa, Mastercard and American Express are all available — or to continue to PayPal. If you want to use PayPal to pay for your subscription, you can still take advantage of credit card benefits by linking your card to your PayPal account. If you have a rewards credit card, be sure to double check the terms and conditions to ensure you'll still receive your points.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.
