Xbox Mastercard
Earn 5X points per $1 at the digital Microsoft Store, 3X on eligible streaming services and dining delivery, 1X everywhere else. $0 annual fee. Welcome bonus of 5,000 points after first purchase.
Current Welcome Offer
5,000 points
$50 estimated value
Card Offers
public
5,000 points
$50 estimated value
Earning Rates
Eligible products at Microsoft Store on Xbox, Microsoft Store, Xbox Design Lab, consoles, Xbox App for Windows PC, Microsoft Store App. Exclusions apply.
Eligible services such as Grubhub, DoorDash, Uber Eats. See merchant list.
Eligible video, music, audiobook/ebook streaming services. See merchant list for details.
Everyday purchases
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
5 benefits including 1 hidden gems
Purchase Protection
Lifestyle Benefits
Coverage Tier Legend
Frequently Asked Questions
What is the annual fee for the Xbox Mastercard?
What are the rewards earning rates?
What is the welcome bonus?
Does the card have an intro APR offer?
What credit score is needed to apply?
Are there foreign transaction fees?
What benefits does the card offer?
How do I access my FICO score?
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.
The Xbox Mastercard is a no-annual-fee cashback rewards card that earns card points redeemable as statement credits on eligible Xbox and Microsoft purchases. Key rewards include 5X points on digital Microsoft Store purchases, 3X on select streaming and dining delivery services, and 1X on all other purchases. Additional perks include card personalization with gamertag, Game Pass Ultimate offers, digital wallet support, FICO score access, and zero fraud liability.
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
5,000 points, worth about $50 estimated value, with no annual fee.
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Sources & Methodology
Sources & Methodology
We collect card details from official issuer pages, then verify them through editorial review.
Last updated:
Pending editorial review.
- 5 of 5 benefits rated high confidence
- 1 of 1 offer verified
Read our full methodology for how we collect, verify, and rate credit cards.
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