Xbox Mastercard

The Xbox Mastercard is built for Xbox fans who want a no-annual-fee card tied to the Microsoft ecosystem, not for someone trying to maximize everyday rewards. Its value is straightforward: simple earning, a small welcome offer, and a niche perk that matters most if Xbox spending or gifting Game Pass fits your routine.

Welcome Offer

5,000 Points

Annual Fee

Rec. Credit Score

Excellent

Good For

Xbox fans

How to Apply

All information about Xbox Mastercard has been collected independently by MaxRewards. Xbox Mastercard is no longer available through MaxRewards.

Is the Xbox Mastercard worth it?

This card is great for...

Microsoft ecosystem spending

No-fee everyday purchases

Game Pass gifting

This card is worth a look if you already spend within the Xbox or Microsoft world and want a $0 annual fee card that keeps things simple. The welcome offer is easy to earn, and the Game Pass Ultimate perk can add some extra value, but only if you expect to put enough spending on the card and have someone eligible to use the gifted codes.

For most readers, though, this is a niche product rather than a strong everyday card. A flat 1% return on general purchases is easy to understand, but it is not especially competitive, and the rewards are tied to Microsoft value instead of more flexible cash back. If your main goal is stronger ongoing rewards, you will likely do better with a different no-annual-fee card.

MaxRewards Verdict

The Xbox Mastercard fits loyal Xbox users who want a simple, no-fee card connected to a brand they already use. Outside that audience, its everyday rewards are too limited to make it a strong primary 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

Time Frame

6 Months

Est. Value

$50

Required Spend

Time Frame

6 Months

What's your average monthly spend?

$100

You should easily hit the bonus threshold with this spend!

Rewards

Rewards percent based on a valuation of 1¢ per Microsoft point

This card earns Microsoft value rather than broad cash back, so the key question is whether that is useful to you. With a flat 1% return on purchases, the rewards side is easy to follow but light on bonus categories.

CategoryEst. yearly spendRateRewards

Everywhere

Est. yearly spend

Rate1%

Rewards

Est. Annual Rewards

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.

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.