When it comes to streaming, most users default to monthly billing—but is that actually the best deal? Many platforms now offer annual subscriptions with built-in discounts. While these upfront payments can unlock real savings, they’re not always the smartest option depending on your habits. Here’s how to decide whether going annual is worth it for you.

The upside of annual plans

Most annual subscriptions offer between 10%–20% in savings compared to monthly billing. For example:

• Disney+: $7.99/month vs. $79.99/year (equals ~$6.66/month)
  
• Paramount+: Save up to 16% when billed annually
  
• Peacock: Occasional offers like 12 months for $19.99 during promos
  
• Amazon Prime Video: Bundled with Prime, billed yearly at $139
  

By choosing the annual route, you lock in your rate even if prices increase during the year.

Add gift cards to maximize savings

You can stack annual plan discounts with gift card savings. For example, you can buy a streaming gift card online through a rewards platform like Fluz. Apply the card to your account when you pay for the annual plan. This lets you combine discounted rates with cashback for double the value.

When annual plans don’t make sense

Despite the savings, annual billing isn’t right for everyone. You might want to skip it if:

• You like to rotate platforms based on new content
  
• You’re not sure how long you’ll use the service
  
• Your budget doesn’t allow for a large upfront payment
  
• You’re taking advantage of short-term promos elsewhere
  

Compare annual vs. monthly savings

Let’s say Netflix offered an annual plan (they don’t currently). If it saved you 15% off the standard $15.49/month plan, that’s $27.88 in annual savings. Multiply that across multiple services and you’re looking at hundreds in potential value—but only if you stick with them.

Ideal services for annual billing

• Disney+: Predictable release schedule and original content
  
• Paramount+: Budget-friendly with big event access
  
• Amazon Prime Video: Includes shipping and other perks
  
• Apple TV+: Low cost and growing catalog
  

Pro tip: lock in savings during a promo window

If you’re considering annual billing, wait for a promotional period—like Black Friday or the premiere of a major show—and combine it with a discounted gift card purchase from Fluz. This ensures the best possible return on your subscription spend.