If you purchases a new car recently, chances are it may have came with a free trial of Sirius XM. Sounds great, huh? Especially since it typically 6 months of free service. Pretty good way to get you hooked and soon after, you will have to pay for the service for it to continue!
Not a bad thing, but there’s definitely a way to reduce what you pay. Because is $10.99 – $20.99 a month worth the service? That’s up to $250+ per year spent using the service. Even if you cut down but a fourth or even half, think about what more you could do with those savings!
Note: I recommend using the Wells Fargo Propel card to pay for your Sirius XM subscription as you can earn points back for this popular streaming service.
Editor’s Note: Do you like free money? Banks often offer you free cash bonus incentives for opening an account! See the promotions offered by a few of the best banks below:
- Huntington Bank Promotions
- Chase Bank Promotions
- TD Bank Promotions
- Discover Bank Promotions
- HSBC Bank Promotions
- CIT Bank Promotions
- BBVA Compass Promotions
- For more options, see our list of 1,000+ bank bonuses!
|Chase Ink Business PreferredSM Card||80,000 Points||Review|
|Chase Sapphire Preferred® Card||60,000 Points||Review|
|Chase Ink Business UnlimitedSM Credit Card||$500 Cash||Review|
|Chase Ink Business CashSM Card||$500 Cash||Review|
|Chase Freedom®||$150 Cash||Review|
|Chase Freedom Unlimited®||3% Cash Back||Review|
|UnitedSM Explorer Business Card||Up to 100,000 Miles||Review|
|ABOC Platinum Rewards Mastercard®||$150 Cash||Review|
Table of Contents
What is Sirius XM?
Sirius XM is a satellite radio service that is used in car – in addition, you’re able to stream using your tablet, computer, or phone with a select subscription.
Sirius XM offers commercial-free music, comedy, live sport, news, and talk entertainment via satellite for your tablet, car, and phone all at the convenience of your fingertips! You’ll get access to numerous channels that consists of music, news, comedy, sports talk, and more!
Three Subscription Tiers for SiriusXM:
- Premier Streaming: You get the basic subscription will give you 80+ channels of great music, but doesn’t give you sports, comedy channels, or online streaming.
- Select: You get over 140 channels of music, sports and comedy but no internet streaming to stream in the car. Get commercial-free music channels, exclusive artist-dedicated music channels, 24/7 comedy channels, & a selection of play-by-play channels.
- All Access: You get their top of the line option with every one of their 140+ channels in-car & 200+ channels to online stream from your phone, tablet, or computer.
Helpful note: You’re able to manage your Sirius XM account 24/7 online. You’re able to get in touch with SiriusXM customer service at 1-866-635-2349 from 8AM – 10PM ET Monday-Friday (8AM – 8 PM ET on Saturday & Sunday).
How To Negotiate The Best Sirius XM Deal
Below are steps you can take to help lower your service bill.
To start off, research the current Sirius XM promotions going on and decide which plan best suits your needs and wants. Then you’ll be able to use this as a negotiating factor. Now, simply call and ask for the retention department.
Once you’re on the phone with the retention department rep, start mentioning how much you enjoy and love the service and want to continue the service, but you feel like you’re not okay with the price you’re paying. This is when the rep may throw a few offers out to you. Keep an open ear for the offers, but definitely do not accept the first offer. Deny the first few offers. Be sure you have a calculator so you can divide the offered price with the number of months to find out how much you’ll be paying monthly.
In summary, the offer you should get is 5 months of service for $25. This is the lowest offer possible that you can get. Once you receive this offer and accept, the rep will go over some terms & conditions along with some disclosures. Now you can enjoy your service without having to pay full price!
Now, if you come across a rep that does not offer that deal, stand your ground. Do not give up and simply try again a few minutes after hanging up. Thank the rep for their time and call back and follow the same procedure again until you get the offer. If you end up not receiving the offer, simply cancel the service and you should receive offers via email/mail to become a member again. Those offers may even be lower than what the reps offered you – once you get offered a deal that you are happy with, sign up again! Hope you the best of luck in receiving the best deal possible!
Helpful note: It’s a good idea to take note of your expiration date. If you do not, your subscription plan will renew at current price (probably more than you are willing to pay). Set an alert & mark it on your calendar. That way, you can contact Sirius XM to negotiate to get the best deal again. If you do not receive the offer you desire, simply cancel the service. Then, wait for new offers to be presented to you via email or email. Contact the billing department and ask them to remove your card from their file (you have the right to do so), so you will not be charged automatically after your promotional offer has ended.
Sirius XM is definitely entertaining – whether you use the service to listen to music, catch up on the news, listen to a podcast, etc, Sirius XM is surely a fantastic service. However, before you pay full price for satellite radio, definitely give these tips a try to help you save money!
Sometimes, all it takes is a phone call and a few minutes of your time to get the best deal possible! If you’re looking to maximize your savings, be sure to check out the best credit cards or more ways to save money online!
(Visit SiriusXM to view deals)
Best Credit Cards for Streaming Services
The Blue Cash Preferred® Card from American Express offers a $250 statement credit after spending $1,000 in purchases on your new Card within the first 3 months.
You'll earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases. In addition, you'll earn 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses & more.
The card does come with a $95 annual fee.
With the Wells Fargo Propel American Express® Card:
• Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months – that’s a $300 cash redemption value
• $0 Annual Fee
• Earn 3X points for eating out and ordering in
• Earn 3X points for gas stations, rideshares and transit
• Earn 3X points for travel including flights, hotels, homestays and car rentals
• Earn 1X points on other purchases
The U.S. Bank Cash+TM Visa Signature® Card offers new cardmembers a $150 bonus after spending $500 in eligible net purchases in the first 90 days of account opening.
You'll be able to earn 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose. In addition, 2% cash back on your choice of one everyday category, like gas stations or grocery stores; 1% cash back on all other eligible net purchases. All with no limit on total cash back you can earn.
This card comes with no annual fee.
|Chase Premier Plus CheckingSM||$300 Cash||Review|
|Chase Total Checking® + Chase SavingsSM||$350 Cash||Review|
|Chase Total Business Checking®||$200 Cash||Review|
|Chase SapphireSM Checking||$750 Cash||Review|
|Simple High-Yield Checking||$500 Cash||Review|
|Discover Bank Online Savings||$200 Cash||Review|
|HSBC Premier Checking Member FDIC||$750 Cash||Review|
|HSBC Advance Checking Member FDIC||$350 Cash||Review|
|Huntington Asterisk-Free Checking®||$150 Cash||Review|
|Huntington 5 Checking||$200 Cash||Review|
|Chase College CheckingSM||$100 Cash||Review|
|You InvestSM by J.P. Morgan||$625 Cash||Review|
|Chase Private Client||$1,250 Cash||Review|
|TD Bank Beyond Checking||$300 Cash||Review|
|TD Bank Convenience CheckingSM||$200 Cash||Review|
|Discover Cashback Debit Account||$360 Cash||Review|
|Huntington Bank Unlimited Plus Business Checking||$500 Cash||Review|
|Huntington Bank Unlimited Business Checking||$400 Cash||Review|
|Huntington Bank Business Checking 100||$200 Cash||Review|