News & Trending Money News

Which Netflix Plan Is Right For You? 11 Things You Need to Know

There are several things you need to know before picking your streaming service plan.

Netflix logo
Updated July 9, 2025
Fact checked

Netflix has made several changes to its streaming platform over the years. Some of those changes have made Netflix a little less desirable, especially if you're trying to get ahead financially.

Netflix recently announced further changes to its pricing structure, in addition to other changes earlier this year to how users interact with the service.

So what's going on with the new policies? Here's what you need to know if you're considering signing up for Netflix or are looking to change your plan.

Get instant access to hundreds of discounts

Over 50? Join AARP today— because if you’re not a member you could be missing out on huge perks like discounts on travel, dining, and even prescriptions.

Get 25% off membership — just $15 for your first year with auto-renewal — and a free gift if you join today.

Become an AARP member now

Netflix doesn't offer a free trial anymore

Celt Studio/Adobe hand holding remote control

You may not be sure about subscribing to Netflix and want to have a test run with a free trial. Unfortunately, you can't do that with Netflix anymore. The streaming service used to offer free trials, but that hasn't been an option in years.

The good news is that you don't need to sign a contract with Netflix, so you can try it out for a month and cancel without penalty if you don't like it.

The cheapest plan is $6.99

wutzkoh/Adobe woman sitting on couch using laptop to browse netflix

It can be hard to save money if you're paying for more than one streaming service each month, but Netflix gives you an affordable option.

Check out the company's Standard with Ads plan, which allows you to watch Netflix on two supported devices at a time for only $6.99 per month.

However, as the name implies, it is an ad-supported plan, so you'll have to endure advertisements sprinkled throughout your favorite shows and movies.

The cheapest plan without ads is $15.49

ymgerman/Adobe browsing content on streaming services

You can skip ads if you want, but it will cost you $15.49 per month.

The ad-free version of Netflix is more than double the cost of the advertisement version, but you can watch anything on the streaming service without interruption. That could be an important factor if you subscribe to streaming services to avoid ads.

Resolve $10,000 or more of your debt

National Debt Relief could help you resolve your credit card debt with an affordable plan that works for you. Just tell them your situation, then find out your debt relief options.1

Sign up for a free debt assessment here

Netflix cracked down on password sharing

Diego/Adobe netflix logo on smartphone in man hand with movies in background

One of the fun things about Netflix was that you could share the account's password with plenty of people — or have someone share their password with you. Maybe you used your parents' password at college or tossed a few bucks to a friend for their password.

However, Netflix started cracking down on the practice earlier this year. Now, you'll need to pay extra to share an account with someone else.

You may not enjoy some of the content

Renata Sattler/Adobe screen showing streaming services in brazil on roku express tv box device

One of the great things about Netflix is that it was a pioneer in streaming and had plenty of content to help users find what they wanted.

But more streaming competition means the movies and shows you wanted to watch could be on a different streaming service now.

Different services also have different original content, so think about the new shows you want to watch that might be on other services.

Your favorite show could get canceled

Kaspars Grinvalds/Adobe Man watching movie on tablet

Netflix doesn't hesitate to cancel shows that aren't pulling in new subscribers. You could get attached to an original show and have it canceled even though it ended on a cliffhanger.

One way to combat this problem may be only to get Netflix when you know a show has finished its run and won't have to worry about it getting canceled too soon.

You can't get DVDs anymore

Shi/Adobe iPad showing Netflix logo on the screen

Netflix started as a company that sent DVDs in the mail before it became a streaming service. However, the company shuttered its DVD program in October 2023, and the last remaining DVDs were returned to Netflix.

That may be a turn-off for potential subscribers who would've liked to have more access to non-streaming media as part of their Netflix subscription. Many DVD fans also enjoyed the better selection of movies found on discs.

You'll pay more for Ultra HD

Daniel Krasoń/Adobe woman launches Netflix application on Lenovo tablet

You may have purchased an extra-big television to watch blockbusters or sports in Ultra HD.

The good news is that you can stream Ultra HD content with your Netflix subscription, so you can enjoy streaming plenty of action movies and thrillers.

The downside, however, is you'll have to get a Premium Netflix subscription to take full advantage of Ultra HD, which means you'll need to pay $22.99 a month for the service.

It's more expensive than other streamers

Koray/Adobe woman enjoying popcorn while watching netflix

You may be surprised to find that while Netflix is competitive with other streaming services, it could cost you more per month, depending on what you want.

The ad-free version of Disney+, for example, is $13.99, which is $1.50 less than Netflix's standard ad-free version. The ad-free version of Paramount+ also includes Showtime for $11.99. Apple TV+'s ad-free version is set at only $9.99.

Earn cash back on everyday purchases with a debit card

Want to earn cash back on your everyday purchases without using a credit card? With the Discover® Cashback Debit account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!2

Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.

Learn more about the Discover Cashback Checking account

A Basic plan still exists for some customers

AA+W/Adobe video streaming apps on Apple iPhone

You may be an existing Netflix customer who might think the current prices don't sound right. After all, you have the ad-free Basic plan for $9.99 a month.

Unfortunately, Netflix doesn't offer that option to new customers or returning customers, keeping it only for customers who already have that plan.

Be careful if you're still using this basic plan. You can still receive it now, but any changes you make to your current plan will likely mean you can't switch back to Basic.

It's not great for live sports

tashatuvango/Adobe Netflix on smartphone screen

One of the big reasons some viewers still won't cut the cord is because they want access to live sports.

Netflix might be cheaper than cable or a live streaming service like Hulu Live or YouTubeTV, but the service is only starting to offer live sports, with a tennis match. Whether or not they will continue to add more live sports is still in the air.

Bottom line

hamara/Adobe Netflix logo on smartphone screen

Netflix can be a good alternative to live streaming stations or cable, but it can also cost you extra money if you're not aware of the different plans.

You can also review the top cash back credit cards and see which offer earning rewards for Netflix or streaming services to lower your monthly costs.

Up To 5% Cash Back

4.7
info

Discover it® Cash Back

Current Offer

Discover will match all the cash back you’ve earned at the end of your first year.

Annual Fee

$0

Rewards Rate

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Benefits and Drawbacks
Card Details


Must-Read Buzz

Financebuzz logo

Thanks for subscribing!

Please check your email to confirm your subscription.