90,000 Points
Worth $1,170
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 1.3%Everywhere
Annual Fee
$499
Rec. Credit
Excellent
Barclays
Xbox Mastercard
The Xbox Mastercard is designed specifically for console gamers who want to turn everyday spending into Xbox games, add-ons, and subscriptions without paying an annual fee. While its rewards are tied strictly to the Microsoft ecosystem, an easy welcome bonus and zero annual fee make it a low-barrier option for dedicated Xbox players.
Welcome Offer
5,000 Points
Annual Fee
$0
Rec. Credit Score
Excellent
Good For
Xbox Gamers
All information about Xbox Mastercard has been collected independently by MaxRewards. Xbox Mastercard is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Xbox Mastercard worth it?
This card is great for...
Digital Xbox store purchases
Easy welcome bonus redemptions
With no annual fee and an effortless welcome bonus, the Xbox Mastercard offers a straightforward way for active Xbox players to earn store credit on everyday spending. Points redeem directly toward games, add-ons, and subscriptions through the Microsoft Store, making the rewards program convenient if you already spend regularly within the platform.
However, because your earnings are locked into Microsoft currency, this card lacks the versatility of traditional cash-back options. Cardholders who do not buy digital games frequently or who prefer flexible cash rewards will likely find greater long-term value elsewhere.
MaxRewards Verdict
This card is a fine, zero-fee companion for dedicated Xbox gamers, but anyone seeking flexible cash back will be better served by a standard cash-back card.
Welcome Offer
5,000 Points
after you spend $1 on purchases on your new card in your first 6 months of card membership.
Est. Value
$50
Required Spend
$1
Time Frame
6 Months
Est. Value
$50
Required Spend
$1
Time Frame
6 Months
Earning
Rewards
Earnings accumulate as Microsoft points that redeem at a flat rate of one cent per point toward Xbox games, downloadable content, and hardware.
CategoryRate
Everywhere
1%
Rewards percent based on a valuation of 1¢ per Microsoft point
Benefits
More Benefits
Earn two 3-month Game Pass Ultimate codes
When you spend $7,000 or more within your first 12 months of opening your account, you earn two 3-month codes to gift to friends or family to try Game Pass Ultimate for the first time.
Eligibility
Recommended Minimum Credit
Min: Excellent
Poor
Fair
Good
Excellent
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
19.24% - 29.99%
Variable
Transfer APR
19.24% - 29.99%
Variable
Cash Advance APR
29.99%
Variable
Foreign Transaction Fee
None
Late Payment
$41
Return Payment
$41
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Barclays
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100,000 Points
Worth $1,000
After you spend $5,000 on purchases on your new card in your first 5 months of card membership.
- 7%GM
- 3%Everywhere
Annual Fee
$0
Rec. Credit
Excellent
70,000 Points
Worth $910
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 7.8%JetBlue
- 2.6%Dining
- 2.6%Grocery
Annual Fee
$99
Rec. Credit
Excellent