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Disney+ Just Got Nearly Free: Amex Blue Cash Preferred Now Offers $10 Monthly Streaming Credit
July 1, 2025
American Express recently announced that Blue Cash Preferred's statement credit toward Disney Streaming purchases is increasing to $120 annually (up to $10 each month; enrollment is required; terms apply). This is up $36 from the card's previous $84 annual credit on Disney Streaming purchases. The Blue Cash Preferred® Card from American Express maintains its $0 introductory annual fee for the first year, then a $95 annual fee after that (See Rates & Fees).
Meanwhile, the no-annual-fee Blue Cash Everyday® Card from American Express (See Rates & Fees) maintains its $7 monthly credit.
Here's everything you need to know about these valuable improvements.
What Changed with the Amex Disney Streaming Credit?
Blue Cash Preferred Card Improvements
- Monthly credit increased from $7 to $10 per month
- The annual value increased from $84 to $120 per year
- No minimum spending requirement (previously required $9.99+ monthly spend)
- Expanded streaming options now include Disney+, Hulu, OR ESPN+
Blue Cash Everyday Card Benefits
- Maintains $7 monthly credit ($84 annual value)
- Same expanded streaming options as the Preferred card
- No minimum spending requirement removed
- $0 annual fee remains unchanged
How Much Can You Save with the New Disney Streaming Credit?
The increased credit makes both cards significantly more valuable for streaming enthusiasts:
Blue Cash Preferred Value Proposition
- $120 annual streaming credit vs. $95 annual fee
- Net benefit of $25 before considering other card benefits
- An additional 6% cashback on streaming purchases after the credit is applied
- No foreign transaction fees on international streaming services
Blue Cash Everyday Value
- $84 annual streaming credit with $0 annual fee
- Pure savings for anyone with qualifying streaming subscriptions
- 3% cashback on online retail purchases and other categories
Which Streaming Services Qualify for the Credit?
The updated Disney streaming credit now works with a broader range of services:
Individual Services
- Disney+ Basic (with ads): $9.99/month
- Disney+ Premium (ad-free): $15.99/month
- Hulu (various tiers)
- ESPN+ (standalone subscription)
Popular Bundle Options
- Disney+ and Hulu (with ads): $10.99/month
- Disney+, Hulu, and ESPN+ (with ads): $16.99/month
- Disney+, Hulu, and HBO Max (with ads): $16.99/month
- Disney+, Hulu, and ESPN+ (ad-free): $26.99/month
- Disney+, Hulu, and HBO Max (ad-free): $29.99/month
Important: You must choose monthly billing (not annual) to receive the statement credits.
How to Maximize Your Disney Streaming Credit
Best Strategies for Blue Cash Preferred Holders
- Subscribe to the $10.99 Disney+/Hulu bundle - get it for essentially $0.99/month after credit
- Use higher-tier bundles and still save $10/month while earning 6% cashback on the remaining amount
Optimization Tips for Blue Cash Everyday Users
- Choose the $10.99 bundle to get maximum value from your $7 credit
- Stack with other 3% categories like online retail for additional savings
Should You Upgrade from Blue Cash Everyday to Preferred?
The improved credit changes the upgrade math significantly:
Break-Even Analysis
- Additional annual benefit: $36 more credit per year ($10 vs $7 monthly)
- Annual fee difference: $95 (Preferred) vs $0 (Everyday)
- Additional grocery cashback: 3% more on up to $6,000 annually (Preferred gets 6% vs Everyday's 3%)
Bottom line: If you spend $1,500+ annually on groceries AND use streaming services, the Preferred card now offers excellent value.
How to Enroll in the Disney Streaming Credit
Step-by-Step Enrollment Process
- Open the Amex mobile app or log into your online account
- Navigate to your card benefits section
- Find the Disney streaming credit benefit
- Click "Enroll" and follow the prompts
- Start using your enrolled card for qualifying streaming purchases
Note: Enrollment is required for both cards to receive the credit.
Key Terms and Restrictions to Know
Important Limitations
- Monthly subscriptions only - annual plans don't qualify
- Must enroll before first purchase to receive credit
- US streaming services only - international versions may not qualify
- Auto-renewal subscriptions are eligible and recommended
Credit Timing
- Statement credits appear within 1-2 billing cycles
- Credits are automatic once enrolled and using qualifying services
- Up to the monthly maximum - once you spend over that, you’ll earn your regular cashback rates
Who Should Consider These Cards?
Ideal Candidates for Blue Cash Preferred
- Families with multiple streaming subscriptions
- Heavy grocery shoppers (6% cashback at U.S. supermarkets up to $6,000 annually)
- Gas station users (3% cashback, no cap)
- Budget-conscious consumers wanting premium benefits without high annual fees
Perfect Fit for Blue Cash Everyday
- Casual streaming users who want something back
- No annual fee seekers who still want premium benefits
- Students or young professionals building credit history
- Backup card users who want ongoing value
Bottom Line: Is the Enhanced Disney Credit Worth It?
The improved Amex Disney streaming credit makes both the Blue Cash Preferred and Blue Cash Everyday cards significantly more attractive for anyone with Disney+, Hulu, or ESPN+ subscriptions. For streaming enthusiasts, these cards now offer some of the best value propositions in the credit card market. The removal of minimum spending requirements and expansion to include ESPN+ make the benefits more accessible than ever.
“Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.”
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