Best Credit Card for Netflix in 2026
Netflix is classified under MCC 5815 (Digital Goods: Media, Books, Movies, Music). The best card for Netflix purchases is the Savor (no annual fee), earning 8x on digital goods: media, books, movies, music — an effective return of 8.00%.
The Media and Entertainment category (MCC 5815) is a gold mine for credit card rewards, especially if you love streaming services like Netflix. Cards in the Savor category offer up to 8x points here.
Consider signing up for Netflix through a cash-back portal linked to your rewards card to potentially double the points earned on your subscription.
Spending Math
If you spend $200 monthly on Netflix with an 8x earning card like Savor, you'd rake in $16 per month or $192 annually. With a standard 1% cash back card, that drops to just $2 per month and $24 yearly.
Netflix purchases are classified under MCC 5815 (Digital Goods: Media, Books, Movies, Music). If you spend frequently here, see our best cards for digital.
MCC Details for Netflix
Best Credit Cards for Netflix (2026)
How Netflix Codes on Your Statement
When you pay at Netflix in the app or online, your card issuer sees MCC 5815 in the transaction data. This code tells your bank that the purchase was made at a digital goods: media, books, movies, music merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "digital goods: media, books, movies, music" purchases, Netflix transactions will qualify — even if your card terms only mention a category name and not Netflix specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Netflix transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 5815 qualifies for bonus rewards.
Bonus Category Match — Netflix
About MCC 5815: Digital Goods: Media, Books, Movies, Music
Merchant Category Code 5815 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Digital Goods: Media, Books, Movies, Music industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5815, all qualifying card programs that include digital goods: media, books, movies, music as a bonus category will apply the elevated earn rate.
The Digital industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Digital Goods: Media, Books, Movies, Music merchants: Amazon Prime Video, Apple Books, Apple TV+.
What You Could Earn at Netflix
Spending $200/month at Netflix with the Savor (8x on digital goods: media, books, movies, music) earns approximately $192/year in rewards. A basic 1% card earns $24 on the same spending. That is $168 more per year with no annual fee.
Prefer no annual fee? The Autograph earns 3x at Netflix merchants, earning $72/year with no annual fee.