90,000 Points
Worth $1,080
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 1.2%Everywhere
Annual Fee
$499
Rec. Credit
Excellent
Barclays
Xbox Mastercard
The Xbox Mastercard is a niche, no-annual-fee card built specifically for dedicated gamers who spend heavily within the Xbox and Microsoft ecosystems. It functions best as a specialist card for funding digital games, hardware, and Xbox subscriptions rather than as a primary option for daily spending.
Welcome Offer
5,000 Points
Annual Fee
$0
Rec. Credit Score
Excellent
Good For
Xbox and Microsoft 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...
Xbox store purchases
Game Pass Ultimate perks
Fee-free gaming rewards
For dedicated Xbox enthusiasts, this card offers an easy entry point thanks to its $0 annual fee and an accessible initial bonus after making your first purchase. The included Game Pass Ultimate trial provides immediate practical value right out of the box, making it appealing if you already spend regular money on digital games and subscriptions.
However, the card loses momentum on routine expenses outside of the Microsoft ecosystem. Because it earns a basic 1% on general purchases, most cardholders will earn significantly more value by using a standard cash-back card for everyday bills and using this card strictly for gaming purchases.
MaxRewards Verdict
This card is a great fit for frequent Xbox buyers looking to offset the cost of games and subscriptions, but its low base earn rate keeps it from being a strong everyday 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
Points earned on this card convert directly into Microsoft currency for Xbox games, add-ons, and subscriptions, making the reward structure straightforward for active gamers.
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.
Earn 3 months of Game Pass Ultimate
For new Game Pass members after making your first purchase within the first 180 days of account opening. Complete Game Pass Ultimate subscription terms can be found at xbox.com/subscriptionterms.
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.
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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 $840
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 7.2%JetBlue
- 2.4%Dining
- 2.4%Grocery
Annual Fee
$99
Rec. Credit
Excellent