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6 ways to save money on TV streaming without losing the shows you love

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Cord-cutting was supposed to be the smart way to free yourself from exorbitant cable bills. 

Add a Netflix here, a Paramount+ there, toss in some Hulu, MaxApple TV+, and your favorite sports network, and pretty soon you’re paying $100 or more every month. That’s not even counting the never-ending “Can you top that?” competition as the streaming services ratchet prices up ever higher.

Also: The best VPNs for streaming your favorite shows and sports

What’s a smart streamer to do?

That was me a few years ago. Today, my total cost of video services is half of what it was then, and I never run out of entertaining stuff to watch.

In this post, I’ll show you how I did it, and how you can do the same.

How to cut your video streaming bill

Streaming providers, like your neighborhood fitness emporium, count on their members signing up and then putting their monthly payments on autopilot. Maybe you come back, maybe you completely forget that you have a paid subscription to Starz or Paramount+. If you don’t go through your credit card statements with the eye of an IRS auditor, you’ll never notice those monthly extractions.

Also: The best live TV streaming services

The solution? Track the services you subscribe to, so you know exactly what you’re paying for. If you’re not using a service, you can and should cancel with extreme prejudice. If you’re not bothered by occasional interruptions, you might be able to save a few bucks by choosing the ad-supported plan instead of a more expensive premium plan.

This is the sort of job that spreadsheets were made for. I use Excel, with my files stored in OneDrive so that I can view them online or in the desktop app. If you live in Google’s cloud, feel free to use Google Sheets. You could also use your favorite note-taking app, on a PC or on a mobile device.

If you want another incentive to check that list regularly, consider also jotting down the series and events you watch or plan to watch on each service.

The important thing is to make that list and then remember to check it at least once a month.

Streaming services know that people are increasingly watching their content on phones and tablets, which means they’re eager to cut promotional deals with mobile providers. You can save money by taking advantage of those deals.

T-Mobile, for example, offers a long list of streaming discounts. With a Go5G plan, you get “Netflix on Us” and Apple TV+ and  — as of January 2024 — Hulu (with ads). Those credits add up to more than $20 per month, and you have the option to upgrade that basic Netflix plan for a minimal extra fee. (Yes, the Go5G plans for 55+ customers qualify.)

Also: The best TVs you can buy: Expert tested

Verizon offers a $9 credit on a Disney+ bundle, with Hulu and ESPN+ (ad-supported) and Disney+ with its top two unlimited plans. With lower-priced plans, you can get a $5 credit on your choice of Netflix, Max, or Paramount+ plans. Those offers are noticeably less generous than they were a few years ago, but if you’re a Verizon customer, they’re available.

AT&T includes a no-charge Max subscription with some of its legacy unlimited plans, but there are no streaming perks for customers with current plans.

For some services, you have to cancel your existing streaming subscription, wait for the current subscription to end, and then sign up again using the mobile provider’s portal to take advantage of these discounts. The savings might make it worth the small hassle.

Streaming services love to rope in credit card companies as partners. That makes sense, because you’re probably going to use a credit card to pay for that service, and the card issuer chips off a little piece of each transaction as part of the deal.

If you have a top-of-the-line American Express Platinum card, one of your benefits is a $20 monthly Digital Entertainment Credit, which you can apply to Disney+, Hulu, ESPN+, or a bundle containing all three services. Peacock is also on the list of eligible video services.

Also: 3 easy ways to save on your home office energy bill

You might be able to find similar deals from other cards, but the more likely option is an inflated cash-back option for streaming services, with some cards giving between 3% and 6% of the total bill as a rebate, sometimes for just a few months. It’s always worth checking.

Some streaming services offer a powerful incentive to convert your monthly subscription to a prepaid annual deal. 

If you know you want to subscribe to Max every month, for example, why pay $10 per month (for the ad-supported plan) or up to $21 per month (for an ad-free plan), when you can purchase an annual subscription that effectively gives you two or more months free?

Not every provider offers this option (Netflix is monthly only, for example), but it’s worth checking for any service that’s on your list.

Sometimes a service doesn’t have a selection of content that’s compelling enough to justify a long-term subscription. So, what do you do when that service has a series or two you’re dying to watch? That sums up how I feel about Starz every time another season of Outlander rolls around.

The simple solution: Once every episode is available, sign up for a monthly subscription, binge the series before your month is up, and then cancel. If you’ve never subscribed to that service, you might even be eligible for a free trial. (And if you are a previous subscriber, using an alternate email address can often get you a new trial for free. Just be sure to keep track of which email addresses you’ve used for each trial.)

Also: The best TV antennas: Top picks for signal strength

Here’s a tip to avoid accidentally paying for a second month because you forgot to cancel. After you’ve paid for and activated your monthly subscription, go to the service dashboard and cancel. You won’t get a refund; instead, you’ll get a notice that you can continue watching until your month is up. Just be sure you watch that final episode before the clock runs out. Calendar and/or Alexa reminders can help you with that. 

The surest way to cut your streaming bill, of course, is to replace paid services with those that cost nothing at all.

After all, not everything is “appointment TV,” where you’re so eager to tune in to the latest from a favorite series that you set a reminder to be on your couch, remote in hand, when the episode drops. Sometimes you’re just looking for a distraction, and something corny or campy or nostalgic is just the ticket.

Also: The average US subscriber pays almost $1000 a year for streaming subscriptions

For those nights, try exploring the free apps and services that are probably already on your streaming device. You can watch the adventures of Jed Clampett and kin in The Beverly Hillbillies on the Roku Channel. You get classic Dr. Who and Mystery Science Theater 3000 on Pluto TV, and Tubi TV has a huge video library drawn from the vaults of Lionsgate, MGM, Paramount Pictures, and Starz Digital.

This roundup from ZDNET’s Steven J. Vaughan-Nichols can get you started: “The 7 best free video streaming services.”



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