Whether you like to hit the town for a concert or the theater, or you like to stay in with a rented movie, there’s an entertainment credit card for you. Not only can you earn bonus rewards on entertainment purchases, you might earn accelerated points or cash back in other categories such as travel and dining.
*How we chose the best entertainment credit cards
We’ve chosen the cards on this page based on the providers available through Finder. These cards are not representative of the entire market. We’ve narrowed down our top picks by considering rewards points, cash back, annual fees, interest rates, balance transfer offers and additional card benefits like signup bonuses.
No single credit card will be the best choice for everyone, so compare your options before picking your new card.
If you’ve got no credit history and are looking for a rewards card with a $0 annual fee, the Scotiabank SCENE Visa Card is worth taking a look at – especially if you’re a big movie buff. Earn 5 SCENE points per $1 spent at participating Cineplex theatres or cineplex.com, and earn 1 SCENE point per $1 spent on eligible purchases elsewhere. Redeem your SCENE points for movie tickets or take advantage of discounts at participating restaurants.
Pay $0 to add a Supplemental Cardholder to your account. As an added incentive, the Scotiabank SCENE Visa Card offers a appealing signup bonus. Earn 2,500 bonus SCENE points when you spend a minimum of $500 on eligible purchases in the first three months as a new SCENE Visa cardholder. Apply by October 31, 2020.
No annual fee. This card has a $0 annual fee.
Earn rewards points. Earn 5 SCENE points per $1 spent at participating Cineplex theatres or cineplex.com, and earn 1 SCENE point per $1 spent on eligible purchases elsewhere. Redeem points for free movies and discounts at participating restaurants.
No fee to add a Supplemental Cardholder. Pay $0 to add another authorized user to your account, so you can rack up points faster.
Signup bonus. Earn 2,500 bonus SCENE points when you spend a minimum of $500 on eligible purchases in the first three months as a new SCENE Visa cardholder. Apply by October 31, 2020.
Car rental perks. Get a discount of up to 25% off at participating Budget and AVIS car rental locations in both Canada and the US.
Optional insurance available. Optional insurance is available (for a fee) to help pay down your balance if you become critically ill, disabled or can't work due to job loss, strikes or lockouts. If you pass away or become diagnosed with a Covered Critical Illness, your card balance can be paid off up to $50,000.00. Terms apply.
Foreign conversion fee. Every time you charge a purchase to your card in a foreign currency, you’ll incur a 2.5% fee.
Limited travel benefits. If you’re looking for a card that will give you travel rewards, you might want to look elsewhere. This card offers car rental discounts, but it doesn’t come with other common travel perks like insurance coverage, flight discounts and hotel upgrades.
Foreign transaction fee. This card has a foreign transaction fee of 2.5%. This will apply on any overseas purchases or any purchases made online with an international retailer.
With a fresh new look, the Scotiabank Gold American Express Card is a powerful everyday credit card as well as a strong travel companion. Book flights through Scotiabank's full-service travel agency, enjoy 24/7 concierge service, get access to over 1,200 airport lounges around the world and enjoy exclusive Amex benefits. Enjoy peace of mind with a broad array of travel insurance options including Emergency Medical (up to $1,000,000), Travel Accident, Trip Cancellation and Interruption, Flight Delay, Delayed or Lost Baggage and Rental Car Collision Loss/Damage.
Signup bonus. Earn 25,000 bonus Scotia Rewards points when you spend at least $1,000 on eligible purchases in the first 3 months. Apply by November 1, 2020.
Earn rewards points. Earn 5 Scotia Rewards points per $1 spent on eligible grocery, dining and entertainment purchases, 3 points per $1 spent on eligible gas, transportation and select streaming services, and 1 point per $1 spent on eligible purchases elsewhere.
No foreign transaction fees. Spend overseas or online with international retailers and avoid any foreign transaction fees.
Travel insurance. Enjoy peace of mind with a broad array of travel insurance options including Emergency Medical (up to $1,000,000), Travel Accident, Trip Cancellation and Interruption, Flight Delay, Delayed or Lost Baggage and Rental Car Collision Loss/Damage.
Travel perks. Book flights through Scotiabank's full-service travel agency, enjoy 24/7 concierge service, get access to over 1,200 airport lounges around the world and enjoy exclusive Amex benefits.
American Express rewards. Receive early access to tickets for shows, concerts and live events, plus get invites to exclusive events and discounts.
Annual fee. This card has an annual fee of $120.
Signup bonus restrictions. You’ll need to charge at least $1,000 of eligible purchases to your card within the first 3 months as a cardholder to receive bonus points.
Eligibility requirements. You’ll need to earn a minimum income of $12,000 a year.
The HSBC +Rewards™ Mastercard® comes with a low annual fee of $25, a low interest rate of 11.9% and rewards for recreational spending. Earn 2 Points for every $1 spent on eligible dining or entertainment purchases. Points can be redeemed for travel and financial rewards, gift cards and merchandise. All other spending earns rewards at a rate of 1 point per dollar
A balance transfer fee of 0% applies when you transfer your balance from another credit card (excluding balance transfer promotions; conditions apply). Cardholders also get free Price Protection, Extended Warranty Insurance and Purchase Assurance.
Low interest rate. Enjoy a low annual fee of just 11.9%.
No balance transfer fee. This card offers a 0% fee on balance transfers (outside of balance transfer promotional periods; conditions apply).
Protection on your purchases. Price Protection Service: Find a lower price within 60 days of your purchase and the difference will be refunded (up to $500 per eligible item). Extended Warranty Insurance: The original manufacturer’s warranty on eligible items can be doubled by up to one additional year. Purchase Assurance: Get coverage for up to 90 days should items charged to your card get lost, damaged or stolen.
Zero Liability protection. Enjoy protection against unauthorized purchases to your card with Mastercard Zero Liability protection.
Annual fee. This card has an annual fee of $25, although this is fairly low compared to other cards on the market.
Additional cardholder fee. You’ll have to pay an annual fee of $10 for each additional cardholder.
No complimentary travel insurance. Purchase optional Emergency Travel Medical insurance and coverage for Trip Cancellation, Trip Interruption and Baggage Delay or Loss. Note that a yearly cost applies.
The Scotiabank Passport Visa Infinite Card is a powerful travel companion. With a 0% foreign transaction fee, this card allows you to save while earning rewards points for every dollar you spend. Plus, you’ll get travel benefits, car rental perks and more.
Earn up to 35,000 bonus Scotia Rewards points (up to a $350 travel value) in your first year. Apply by November 1, 2020.
No foreign transaction fees. This card has a 0%, so you can save on purchases when you travel or shop online with international retailers. (The exchange rate will still apply.)
Rewards points. Earn 2 Scotia Rewards points for every $1 spent on eligible grocery store, dining, entertainment and daily transit purchases, and earn 1 Scotia Rewards point for every $1 spent elsewhere.
Signup bonus. Earn up to 35,000 bonus Scotia Rewards points (up to a $350 travel value) in your first year. Apply by November 1, 2020.
Travel perks. Receive a complimentary Priority Pass membership, plus six free visits per year to over 1,000 airport lounges around the world.
Travel insurance coverage. Get up to $1,000,000 in Emergency Medical Insurance. Plus, get trip cancellation, trip interruption and travel accident insurance for free when you charge at least 75% of your trip costs to your card. Benefits also include coverage for flight delays, rental car collision loss/damage, hotel/motel burglaries and delayed or lost baggage.
Car rental discounts. Get up to 25% car rental discount + complimentary upgrades for Avis Preferred Plus members at participating Avis locations in Canada and the US. Plus get Rental Car Collision/Loss Damage Insurance coverage (up to $65,000).
Annual fee. This card has an annual fee of $139.
Eligibility requirements. You must have a minimum personal income of $60,000 annually or a household income of $100,000 annually to qualify for this card.
Designed with the frequent traveller in mind, the BMO World Elite Mastercard lets you earn rewards points that can be redeemed free merchandise or to help pay for your next trip. Get 3 BMO Rewards points per $1 spent on eligible travel, dining and entertainment purchases (up to $50,000 spend annually), and get 2 BMO Rewards points per $1 spent on all other eligible purchases (and once you reach the $50,000 annual spend).
The annual fee of $150 can be more than offset by travel benefits such as complimentary travel insurance, lounge access, 24/7 concierge services and an attractive signup bonus. Get up to $575 in value in your first year. Get a bonus of 40,000 BMO Rewards points ($285 travel value booked on bmorewards.com). Plus, get the $150 annual fee waived in the first year.
Signup bonus. Get up to $575 in value in your first year. Get a bonus of 40,000 BMO Rewards points ($285 travel value booked on bmorewards.com). Plus, get the $150 annual fee waived in the first year.
Rental car collision damage insurance. Get complimentary Collision Damage Waiver benefits (MSRP of up to $65,000)..
Rewards points. Get 3 BMO Rewards points per $1 spent on eligible travel, dining and entertainment purchases (up to $50,000 spend annually), and get 2 BMO Rewards points per $1 spent on all other eligible purchases (and once you reach the $50,000 annual spend).
Travel perks. Get a complimentary Mastercard Airport Experiences provided by LoungeKey membership, with exclusive VIP access, plus four annual complimentary passes ($140 value per year). After using your complimentary passes, lounge access will cost US$32 per person, per visit. You'll also get access to free, 24/7 concierge services.
Travel insurance coverage. Cardholders under 65 years of age get up to $2 million Out-of-Province/Out-of-Country Emergency Medical benefits for unlimited trips per year up to 21 days per trip. Other trip assistance services include emergency cash transfers (subject to available credit up to a maximum of $5,000) as well as coverage for lost/stolen/damaged baggage, trip cancellations/delays/interruptions, flight delays and lost/stolen travel documents and tickets. Cardholders aged 65-74 years old are eligible for separate coverage at an additional cost.
Extended Warranty and Purchase Protection. Get complimentary Purchase Protection and Extended Warranty insurance on many of your card purchases. This means that eligible items are automatically covered against theft or damage for 90 days from the date of purchase. Additionally, the original manufacturer's warranty for eligible items is extended for up to one additional year.
Annual fee. This card has an annual fee of $150.
Foreign transaction fee. This card has a foreign transaction fee of 2.5%. This will apply on any overseas purchases or any purchases made online with an international retailer.
Eligibility requirements. You’ll need to earn a personal income of at least $80,000, or a combined household income of at least $150,000 annually.
Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else. Categories include groceries, restaurants, hotels, gas, recurring bill payments, drug store, home improvement and entertainment.
Cash back in 2 categories (with an optional third category). Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
No annual fee. This card comes with no annual fee.
Welcome bonus. Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
Balance transfer offer. Get a 1.95% interest rate on balance transfers for the first six months. To take advantage of this offer, you must complete the Balance Transfer request within 30 days of account approval and activate your card within 45 days of approval. A balance transfer fee equaling the greater of 3% or $5 will be charged on each transferred amount (fee is waived by Tangerine if you're a resident of Quebec).
Less cash back on other categories. Receive 0.5% cash back on all other categories of spending.
Foreign transaction fee. You’ll pay a foreign transaction fee of 2.5% on all overseas purchases.
Balance transfer fee. You’ll pay a balance transfer fee of 3% of the total transferred amount or $5, whichever is greater.
How to choose the best credit card for entertainment spending and rewards
There are several cards that will reward you for spending on entertainment and may even allow you to redeem your rewards for entertainment-related perks. Here are a few ways to narrow your options:
Calculate how much you spend on streaming services. Consider how much your monthly “fun” bill is and calculate the rewards you’ll earn based on that spending.
Check which streaming services are included. Not all streaming reward cards offer rewards on the same recreational activities. Make sure you choose a card that offers rewards on the type of services you want.
Consider the annual fee. Whether the annual fee is worth paying largely depends on whether you think you can earn enough rewards to justify the card’s cost. Also, consider whether the card offers perks to offset the annual fee.
Decide which rewards categories you’d like. If your card lets you choose among a list of rewards categories, choose categories that line up with your typical spending habits.
Check the rules or limits on rewards. Some providers cap the rewards you can earn in bonus categories. Others make you jump through hoops before you can earn your rewards. Check if you’re okay with these limits before applying for the card.
Alternatives to entertainment credit cards
If you find your options for credit cards that reward entertainment spending are limited, take a look at credit cards that rewards in different recreational categories:
Travel cards. A travel rewards credit card is a great pick if you love to travel to get your kicks. This catch-all category can include activities ranging from flights to hotel stays to cruises. A valuable travel credit card that also offer rewards for entertainment purchases is the Scotiabank Passport Visa Infinite Card.
If you love spending on entertainment, you can find a credit card that offers the perfect rewards. Even better, your card could offer bonus rewards in other categories in which you spend heavily. If you couldn’t find the right credit card on the list above, consider other rewards credit cards.
Frequently asked questions
There’s no universal list that all credit card companies refer to when deciding what counts as entertainment — each company has its own policies. If you have any doubts, give your card issuer a call or check out its website.
Most entertainment credit cards offer rewards for spending in non-entertainment categories. Rewards vary from free products and discounted entertainment to cash back, travel rewards and other types of benefits.
In your online account, you can check your transaction history. Typically, you can see the points, miles or cash back you earned by clicking on each transaction.
Stacie Hurst is an editor at Finder, specializing in loans, banking products and money transfers. She has a Bachelor of Arts in Psychology and Writing, and she completed one year of law school in the United States before deciding to pursue a career in the publishing industry. When not working, she can usually be found messing around with games, photography or floral arrangements in memory of her former days as a flower shop assistant.
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