Xbox Mastercard Review: Game On!
- Annual fee
- None
- Recommended credit
- Excellent
- Card network
- Mastercard
- Regular purchase APR
- 20.99%, 26.99% or 31.99% variable based on creditworthiness and the Prime Rate
At a glance
The Xbox Mastercard is an interesting retail credit card from Barclaycard. The card earns an impressive 5X points on eligible Microsoft purchases, 3X on streaming and dining, and 1X on everything else. New accounts also enjoy a decent point bonus and free trial of Xbox Game Pass Ultimate just for using the card.
Our review of the Xbox Mastercard Review
The Xbox Mastercard is a unique retail credit card that offers exceptional rewards for dedicated gamers. Similar to the PlayStation® Visa® from Comenity Bank, the Xbox Mastercard allows cardholders to earn up to 5X points on eligible purchases, comes with a modest welcome bonus, and has no annual fee.
Basic Welcome Offer
New cardholders can enjoy a 5,000-bonus point welcome offer (a $50 value) after making their first purchase with the card. Additionally, they will receive three months of Xbox Game Pass Ultimate for new Game Pass members after their first purchase.
How to Earn Points
The Xbox Mastercard earns enhanced points in key gaming categories as well as everyday essentials. Here’s a breakdown of the rewards:
- 5X points per $1 on eligible products at the Microsoft Store
- 3X per $1 on eligible streaming services, dining, and delivery services
- 1X per $1 on all other purchases
Gaming Card Comparison
Here’s a comparison between the Xbox Mastercard and its closest rival, the PlayStation Visa:
| Feature | Xbox Mastercard | PlayStation® Visa® |
|---|---|---|
| Annual fee | $0 | $0 |
| Rewards on gaming | 5X per $1 | 5X per $1 |
| Other rewards | 3X on dining and select streaming services, 1X on all else | 3X on cable and internet bill payments, 2X on dining, 1X on all else |
| Issuer | Barclays | Comenity |
| Credit needed | Excellent | Fair to Good |
How to Redeem Points
Xbox Mastercard rewards points can be used towards games, downloadable content, or add-ons. Points can also be redeemed for Xbox Mastercard Gift Cards that can be used for additional purchases at the Xbox store. Cardholders can also apply points as a statement credit towards their card account balance.
Customized Card Design
In addition to lucrative points and three months of Xbox Game Pass Ultimate, cardholders have the option to choose from five different card designs. They can also personalize the card with their Xbox Gamertag.
Other Card Features
Apart from gaming rewards and a sign-up bonus, the Xbox credit card offers benefits and safety protections found in most Mastercard products, including $0 Fraud Liability protection, Zero Liability Protection, Mastercard Global Services, ID Theft Protection, and free online access to view their FICO credit score.
Here are consumer and expert ratings for Barclays as a credit card issuer:
Should You Apply for the Xbox Mastercard
Overall, the Xbox Mastercard Credit Card is a compelling option for avid gamers who want a credit card that offers rewards for both gaming and everyday expenses. It provides an excellent opportunity to earn rewards while purchasing games, technology, and more from Microsoft. For those fully immersed in the Xbox/Microsoft ecosystem, this card can be a valuable tool for stacking up points.
If you’re interested in exploring other card offers, feel free to browse through our selection.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Earn 5X points on eligible Microsoft or Xbox purchases
- Earn 3X points on select streaming and dining
- Earn 1 point per $1 spent on all other purchases"
Who this card may suit
- You prefer Xbox as your gaming platform
- You're considering buying a new Xbox console and want to earn points on it
- You want a stylish card that shows your love for your favorite game series
- You don’t want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 20.99%, 26.99% or 31.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 20.99%, 26.99% or 31.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 5% of the amount of each transaction, whichever is greater |
| Cash Advance APR | 32.49% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit.
Apply Now for Xbox Mastercard Review (opens in a new tab)View issuer terms for Xbox Mastercard Review (opens in a new tab)
Xbox Mastercard Review
Apply Now for Xbox Mastercard Review (opens in a new tab)You will leave this site for the issuer’s page. Confirm current terms there.
Similar cards
Sephora Visa® Credit Card
- 4% back on all Sephora purchases
- 1% back on all other purchases
- Annual fee
- None
- Recommended credit
- Fair
- Purchase APR
- 21.99% or 30.74% variable based on creditworthiness and the Prime Rate
AEO Real Rewards Visa® Credit Card
- Up to 20X points per $1 spent at American Eagle Outfitters
- 5X points per $1 spent everywhere else
- Annual fee
- None
- Recommended credit
- Good / Fair
- Purchase APR
- 31.24% variable based on the Prime Rate
At Home Mastercard®
- Earn 5X points on purchases at any At Home store
- Earn 3X points on groceries and 1X points for all other purchases
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Purchase APR
- 32.24% variable based on the Prime Rate