$0
Annual fee
See the card
Card reviewBarclays
Updated Jul 28, 2026 · research
BarclaysXbox Mastercard Card Points
Xbox Mastercard
Choose from one of five iconic card designs and personalize with your gamertag.
Entry LevelPersonal
Mastercard
$0
Annual fee
5x pts eligible products at the digital microsoft store
Top rate
3%
Foreign fee
N/A
Rating
Current Welcome Offer
Earn 5,000 points
Spend $0 in 180 days
Verifiedlanding page
Card Offers
public
Earn 5,000 points
Spend $0 in 180 days
landing page
Earning Rates
Eligible products at the digital Microsoft Store
5xpoints
Includes digital stores, apps, consoles, and Xbox Design Lab; exclusions apply.
Eligible dining delivery services
3xpoints
Includes select dining delivery merchants such as Grubhub and DoorDash.
Eligible streaming services
3xpoints
Includes select video, music, and ebook streaming merchants.
Everyday purchases
1xpoints
Pros & Cons
Pros
- No annual fee.
- High 5X points on digital Microsoft Store purchases.
- 3X points on streaming and dining delivery.
- Welcome bonus of 5,000 points after first purchase.
- Intro 0% APR on balance transfers for 12 months.
Cons
- 3% foreign transaction fee.
- Rewards limited to 1X on most everyday spending.
- High ongoing APR up to 29.99%.
- Niche rewards focused on Microsoft ecosystem.
Key Takeaways
- Earn 5X points on digital Microsoft Store, ideal for Xbox users.
- No annual fee with straightforward 1X base earning on other purchases.
- Welcome bonus provides $50 value after first purchase in 180 days.
- Includes Game Pass Ultimate offer and card personalization for gamers.
- Features intro balance transfer APR and FICO score access.
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
APR Information
- Purchase APR
- 19.24% - 29.99%
- Balance Transfer APR
- 19.24% - 29.99%0% intro APR for 12 months
- Cash Advance APR
- 29.99%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
4 benefits
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
What is the annual fee for the Xbox Mastercard?
The Xbox Mastercard has no annual fee. This applies every year with no introductory waiver.
What are the rewards earning rates?
Cardholders earn 5X points per dollar on eligible digital Microsoft Store purchases, 3X points on select streaming services and dining delivery services like Grubhub and DoorDash, and 1X points on all other purchases. Points redeem as statement credits on eligible Xbox and Microsoft purchases.
What is the welcome bonus?
New cardholders earn 5,000 points, worth $50, after making the first purchase within 180 days. This is a public offer listed on the product page.
Does the card have an intro APR offer?
It features a 0% intro APR on balance transfers for 12 billing cycles. Purchases and cash advances have variable APRs ranging from 19.24% to 29.99%.
What credit score is needed to apply?
The card requires good credit for approval. Barclays issues the card.
Are there foreign transaction fees?
Yes, a 3% foreign transaction fee applies to international purchases.
What benefits does the card offer?
Benefits include zero fraud liability, complimentary FICO score access with alerts, Apple Pay and Google Pay support, card personalization with gamertag options, and three months of Game Pass Ultimate for new members after first purchase within 180 days.
How do I access my FICO score?
Cardholders get free online access to their FICO score with change alerts. Access requires an open, active account in good standing within 150 days.
About This Card
The Xbox Mastercard suits gamers and Microsoft enthusiasts who frequently shop the digital Microsoft Store, use streaming services, or dining delivery. It fits those with good credit seeking no-fee rewards tied to Xbox and gaming perks.
Earn rewards on gaming, streaming, and dining with the Xbox Mastercard. Personalize the card with your gamertag, get 5X points on digital Microsoft Store purchases, and enjoy no annual fee.
It stands out in the entry-level tier with Xbox-themed personalization, Game Pass offers, and high rewards on digital Microsoft Store purchases versus generic cashback cards.
Ready to Decide?
Apply for the Xbox Mastercard
Earn 5,000 points with no annual fee.
Spend $0 in 180 days
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Sources & Methodology
Sources & Methodology
Data Collection
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Data Quality
- 4 of 4 benefits rated high confidence
- 4 source citations across benefits
- 1 of 1 offer verified
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