1.American Express Platinum Cashback Everyday Credit Card
American Express
- 5%Cashback on all purchases in the first three months
- 1%Cashback on annual purchases over £5,000
- 0.5%Cashback on annual purchases under £5,000
Earn 5% cashback on all spending for the first three months, up to a maximum of £100.
Earn 5% cashback for the first three months, then 0.5%-1% on annual spending.
31.0% APR
The American Express Platinum Cashback Everyday Credit Card earns the #1 spot due to its impressive 5% cashback on all purchases for the first three months, making it an excellent choice for new cardholders looking to maximize their rewards quickly. Its lack of an annual fee further enhances its value, allowing users to benefit from cashback without incurring extra costs.
Pros:
- No annual fee
- High initial cashback rate
Cons:
- High APR
- Cashback tiers after initial period
2.Lloyds Bank Ultra Credit Card
Lloyds Bank
- 1%Cashback on all purchases in the first year
- 0.25%Cashback on all purchases thereafter
1% cashback on all purchases for the first year, dropping to 0.25% thereafter.
1% cashback on all purchases for the first year, dropping to 0.25% thereafter.
12.9% APR variable
The Lloyds Bank Ultra Credit Card shines for its straightforward cashback structure, offering 1% on all purchases for the first year with no annual fee. This makes it an appealing option for everyday spending, especially for those who prefer simplicity in their rewards.
Pros:
- No annual fee
- Straightforward cashback structure
Cons:
- Lower cashback rate after the first year
- Limited rewards compared to others
3.American Express Preferred Rewards Gold Credit Card
American Express
- 3%Points via Amex Travel
- 2%Points on airlines/overseas
- 1%Points on all other purchases
Earn 40,000 Membership Rewards points when you spend £5,000 in your first six months.
Earn 1 Membership Rewards point for every £1 spent, 2x points on airlines/overseas, and 3x via Amex Travel.
86.3% APR variable
The American Express Preferred Rewards Gold Credit Card is particularly appealing for frequent travelers, offering a substantial welcome bonus and enhanced rewards on travel-related spending. Its ability to earn 3x points through Amex Travel sets it apart, making it a strong contender for those who maximize their travel rewards.
Pros:
- Generous welcome bonus
- High rewards on travel spending
Cons:
- High annual fee
- Very high APR
Final Words
In conclusion, as you explore the best credit cards for streaming services this February 2026, focus on options that offer rewards tailored to your viewing habits and financial goals. Take time to compare different cards to ensure you make an informed decision that maximizes your benefits and enhances your streaming experience.
Frequently Asked Questions
With the American Express Platinum Cashback Everyday Credit Card, you can earn 5% cashback on all spending for the first three months, up to a maximum of £100. After that, you earn 0.5%-1% on annual spending, depending on your total purchases.
The Lloyds Bank Ultra Credit Card offers 1% cashback on all purchases for the first year, dropping to 0.25% thereafter. This makes it a solid choice for those who want consistent cashback without an annual fee.
The American Express Preferred Rewards Gold Credit Card provides a welcome bonus of 40,000 Membership Rewards points when you spend £5,000 in your first six months. This can be a great start for those looking to earn rewards quickly.
The American Express Platinum Cashback Everyday Credit Card and the Lloyds Bank Ultra Credit Card both have no annual fees, making them accessible options. In contrast, the American Express Preferred Rewards Gold Credit Card has an annual fee of £195.
When selecting a credit card for streaming services, consider factors like cashback rewards on entertainment purchases, annual fees, and any introductory offers. Look for cards that provide additional benefits such as discounts or points for subscription services.
Eligibility for cashback credit cards typically requires a good credit score, age over 18, and UK residency. Each provider may have specific criteria, so it's essential to check the terms before applying.
To apply for a cashback credit card, visit the provider's website and fill out the online application form. You’ll need to provide personal information, financial details, and consent for a credit check.
