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I’ve saved hundreds by pairing credit card discounts with my favorite subscriptions. It’s a fast and easy way to cut down on costs. Some of my cards earn me monthly credits; others get me extra cash back when I make membership purchases.
Some of the biggest subscription services, such as Amazon and Costco, offer discounts. Cha-ching! It’s simple. Here are a few of the most popular subscriptions you can pair with credit card discounts to earn $100 or more.
Costco, the heavyweight champion of wholesale stores, offers its members low prices. Thousands of Americans shop with the $60 annual Costco membership (soon to be $65 beginning Sept. 1, 2024). The reason: you can quickly save a lot of money on essentials like groceries and toiletries.
Most credit cards exclude wholesale clubs from bonus rewards categories, but some don’t. The best credit cards for Costco members offer as much as 3% in-store rewards or 4% rewards for gas and EV charging. By swiping the right card, you could save $100 in months.
Amazon Prime combines fast shipping with easy returns. It’s one of my favorite places to shop online. Sure, I can sometimes find better deals in-store, but it’s convenient to do all my shopping in one place. It saves time, which I can use to scold my naughty dog, water my cactus, and investigate credit cards for curious readers.
Amazon offers two credit cards that get you neat perks, like high rates of cash back and special financing offers. Even better, you may be able to immediately snag $60 to $200 in Amazon store credit. It’s worth checking out if you’re a Prime member and often shop there.
Uber One gets you discounts on ride-hailing and food delivery services. It’s a popular option for people without cars. Uber used to offer its own branded credit card, but it discontinued it in 2021. Sorry, Uber fans.
On the bright side, Uber hasn’t ditched the credit card game completely. A handful of cards offer a free Uber One membership — usually $10 a month — when you sign up, plus boosted cash back at Uber. Some cards offer monthly Uber credits totaling over $100 in yearly credits.
DoorDash specializes in food delivery, but also delivers from stores like Staples and Petco. It’s Uber’s smaller, redder cousin, if cousins were rivals trying to put each other out of business. But that’s the delivery business for you — it’s a deal-eat-deal world.
The company offers its own branded credit card. It has special perks, including DashPass credits; I use it exclusively for DoorDash. You can find one or two other credit cards that cover membership fees (a $96 value) or get you discounts on DoorDash.
Instacart delivers groceries to your door in hours. My house uses it often, so we don’t have to drag the kids to grocery stores (a sketchy proposition on the best of days). Instacart+ cheapens delivery fees. If you believe the advertising, it pays for itself.
Some credit cards offer free Instacart+ membership or monthly credits. Instacart’s own branded credit card offers both. It’s worth checking out if Instacart is a big chunk of your monthly grocery spending. Otherwise, consider general grocery credit cards — they’re more flexible.
This isn’t an exhaustive list of credit cards that offer discounts on subscriptions. Far from it. There are hundreds of credit cards out there, each with their own perks.
Consider a credit card for subscriptions if you’re a heavy user already. That way, you get discounts on things you already pay for. Such cards have great rewards, but can be inflexible. But if you’re already committed to a service, you could easily save $100 or more each year.
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
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We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Cole Tretheway has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Amazon, Costco Wholesale, and Uber Technologies. The Motley Fool has a disclosure policy.
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