Is There Any Benefit To Getting An Xbox Mastercard?

Thomas Coop

Xbox Mastercard

The Xbox Mastercard, supported by Barclays, is for dedicated gamers who want to earn rewards while making everyday purchases. With this card, you can earn points on game purchases, streaming services, and dining deliveries. You can then redeem these points for Xbox games and add-ons. When you make your first purchase, you’ll get 5,000 bonus card points, which equals a $50 value, and new cardholders receive 3 months of Xbox Game Pass Ultimate for access to a wide library of games.

The card has no annual fee and includes a FICO® Credit Score and perks like Spotify Premium. It is currently available to Xbox Insiders in the US and will soon extend to all Xbox players. The Xbox Mastercard is a great option for gaming enthusiasts looking for practical rewards and gaming perks.

Xbox Mastercard: Gaming Perks and Beyond

Rewards for Gamers

Earn 5X points on eligible purchases at the Microsoft Store. That means more games, accessories, and digital content for your Xbox. Enjoy 3X points on select streaming services (Netflix, Disney+, etc.) and food delivery services (Grubhub, DoorDash, etc.). Earn 1X points on all other purchases, making every swipe count.

Welcome Bonus

New cardholders receive a 3-month Xbox Game Pass Ultimate subscription after their first purchase. Share the love with two 3-month Game Pass Ultimate codes for friends or family after spending $7,000 in the first 12 months.

No Annual Fee

The Xbox Mastercard doesn’t have an annual fee, so you can enjoy its benefits without any extra cost.

Additional Benefits

The card offers contactless payments, $0 fraud liability protection, and access to your FICO® Score for free. It also includes Mastercard benefits like ID Theft Protection™, Zero Liability Protection, and Global Services for emergency assistance.

Who Should Get It?

The Xbox Mastercard is ideal for avid gamers who frequently shop at the Microsoft Store and use streaming or food delivery services. It’s also a good choice for anyone seeking a no-annual-fee card with decent rewards and additional perks.

Points Redemption

Redeem your points for Xbox games, subscriptions, gift cards, or even statement credits.

Rewards5X points on Microsoft Store purchases, 3X points on streaming and food delivery services, 1X points on all other purchases
Welcome Bonus3-month Xbox Game Pass Ultimate subscription + 2 codes for friends/family
Annual FeeNone
Additional BenefitsContactless payments, $0 fraud liability protection, FICO® Score access, Mastercard benefits
Ideal forAvid gamers, Microsoft Store shoppers, streaming/food delivery users

Key Takeaways

  • The Xbox Mastercard earns points on everyday purchases.
  • Cardholders get bonus points and Game Pass Ultimate.
  • No annual fee card with financial and security perks.

Xbox Mastercard Benefits and Features

The Xbox Mastercard offers various benefits that enhance the gaming experience. It focuses on rewards, exclusive offers for gamers, and features that make the card user-friendly.

Rewards and Points System

Cardholders earn card points on everyday purchases. The card offers 5x points on eligible products like Xbox games, add-ons, and subscriptions such as Xbox Game Pass Ultimate. Everyday purchases earn 1x points. After the first purchase, users receive a bonus of 5,000 points, equivalent to $50 in value. These points are redeemable for Xbox gift cards, games, hardware, and more at or on the Xbox console.

Exclusive Offers for Gaming

The Xbox Mastercard provides exclusive offers tailored to Xbox players. New cardmembers get three months of Xbox Game Pass Ultimate free if they are not existing members. There’s also a three-month free Spotify Premium trial available for first-time users who make a purchase within the specified period. Offers like these add extra value for a passion for gaming.

Digital and Physical Card Features

The Xbox Mastercard features digital and physical cards with iconic designs. Users can opt for contactless payments for safer commerce experiences. The card integrates with digital wallets, allowing for easy payment on the Xbox Insider Program and the Xbox app for PC. There’s no annual fee, making it an attractive option for Xbox enthusiasts. Additionally, Xbox Insiders had early access to help shape the card’s features, ensuring that it meets the needs of the gaming community.

Financial Considerations and Security

When considering the Xbox Mastercard, understanding costs and security features is essential. This card offers various fees and protections to keep user finances safe.

Costs and Fees

The Xbox Mastercard comes with no annual fee. However, other costs may apply. APR for purchases, balance transfers, and cash advances are variable. Users need to check their billing statement for exact rates. The card has a minimum monthly interest charge. There may be a foreign transaction fee and fees for balance transfers and cash advances. Knowing these fees helps in budgeting and managing credit effectively.

Security and Protection Services

Barclays provides robust security for Xbox Mastercard users. There is $0 fraud liability protection and ID Theft Protection™. Users benefit from emergency assistance and fraud prevention services. Zero liability protection ensures users are not held responsible for unauthorized charges. These features offer peace of mind and help protect against fraud.

Credit and Account Management

Managing credit with the Xbox Mastercard is streamlined through the Barclays app and website. Users can track their FICO® Credit Score, review their billing statement, and manage their budget. Barclays Money Basics offers educational resources to help users improve financial literacy. Access to credit score monitoring aids in maintaining good credit health.