All About the Xbox Mastercard

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Designed for Xbox enthusiasts, this card is offering up to 5X points on Microsoft Store purchases and rewarding everyday spending categories like streaming and dining delivery, ensuring your gaming experience is more rewarding.


Xbox Mastercard

Disclaimer: You will be redirected to the official website.


  • 5X Points on Microsoft Store Purchases: Earn 5 points per $1 spent on eligible purchases, including games, add-ons, and hardware.
  • 3X Points on Streaming Services: Enjoy 3 points per $1 spent on platforms like Netflix, Disney+, and others.
  • 3X Points on Dining Delivery: Get 3 points per $1 spent with services like DoorDash and Grubhub.
  • 1X Points on All Other Purchases: Earn 1 point per $1 on all remaining purchases.
  • Sign-Up Bonus: Receive 5,000 points ($50 in Xbox value) and three months of Xbox Game Pass Ultimate after your first purchase.



The Xbox Mastercard® is an excellent choice for gamers who want to earn rewards while enhancing their Xbox experience. With 5X points on Microsoft Store purchases, it provides significant value for gamers buying games, add-ons, or hardware. The card also rewards everyday spending with 3X points on streaming services like Disney+ and Netflix, and dining delivery from platforms like DoorDash and Grubhub. For all other purchases, cardholders earn a steady 1X points per $1.

The card’s sign-up bonus further adds value, offering 5,000 points worth $50 in Xbox content after the first purchase, along with three months of Xbox Game Pass Ultimate for new members. With no annual fee, the Xbox Mastercard® is an affordable way for gamers to earn rewards while enjoying their favorite activities.

Although its rewards are best suited for the Xbox and Microsoft ecosystem, the card is an excellent choice for loyal gamers. Its customization options, including iconic Xbox card designs and gamertag personalization, add an extra layer of engagement, ensuring your card reflects your gaming identity.


  1. Visit the Xbox Website: Navigate to the Xbox Mastercard page.
  2. Check Eligibility: Confirm that you meet the application requirements.
  3. Complete the Application: Enter your personal, financial, and contact information.
  4. Submit the Application: Double-check the details and apply online.
  5. Activate Your Card: Upon approval, activate your card and start earning rewards.

Disclaimer: You will be redirected to the official website.


The Xbox Mastercard® makes it easy to turn your rewards into gaming enhancements. Points can be redeemed for a variety of Xbox content, including games, downloadable content (DLC), add-ons, and hardware. This redemption flexibility allows cardholders to tailor rewards to their preferences, whether upgrading a console, exploring new games, or purchasing in-game items.

Benefits Breakdown

FeatureDetails
Rewards Rate5X on Microsoft Store; 3X on streaming and dining delivery; 1X on all other purchases
Annual Fee$0
Sign-Up Bonus5,000 points ($50 in Xbox value) + 3 months of Xbox Game Pass Ultimate
Personalization OptionsFive designs with gamertag customization
Redemption OptionsXbox content: games, add-ons, hardware, and more
Foreign Transaction FeeNone

Cardholders can choose from five Xbox-themed designs, representing different elements of the Xbox gaming universe. For a personal touch, you can customize your card with your gamertag, showcasing your unique identity as a gamer. This design feature is perfect for loyal Xbox fans who want to carry a piece of the gaming world wherever they go.


The Xbox Mastercard® can help you maintain or enhance your credit score when used responsibly. Follow these tips to maximize its benefits:

  1. Pay Bills On Time: Always make payments by the due date to maintain a strong payment history.
  2. Keep Utilization Low: Use less than 30% of your credit limit to optimize your credit score.
  3. Monitor Credit Reports: Regularly check your credit report for errors and track your progress.
  4. Focus on Bonus Categories: Use the card for Microsoft Store purchases, streaming, and dining delivery to maximize points while managing spending.
  5. Pay Balances in Full: Avoid carrying a balance to eliminate interest charges and maintain financial health.

By following these strategies, you can improve your credit score while enjoying rewards tailored to your gaming lifestyle.


The Xbox Mastercard® is a fantastic credit card for Xbox enthusiasts and gamers who want to earn rewards while engaging in their favorite activities. Its 5X points on Microsoft Store purchases and 3X points on streaming and dining delivery ensure that your everyday spending translates into valuable Xbox content. With no annual fee and a generous sign-up bonus, the card offers excellent value for gamers without adding to their costs.

While the rewards are Microsoft-centric, the card meets the needs of its target audience perfectly. It’s especially beneficial for gamers who frequently shop at the Microsoft Store and enjoy the flexibility of redeeming points for games, add-ons, or hardware. The ability to customize the card with Xbox designs and gamertags adds a unique personal touch that reflects your gaming identity.

For Xbox fans, the Xbox Mastercard® is a top-tier option that combines practical rewards with exclusive perks. Whether upgrading your console, streaming your favorite shows, or dining in, this card ensures that your spending is both rewarding and fun.


The card has no annual fee.

Earn 5X points on Microsoft Store purchases, 3X points on streaming services and dining delivery, and 1X points on all other purchases.

Get 5,000 points ($50 value in Xbox content) after your first purchase and three months of Xbox Game Pass Ultimate for new members.

Points can be redeemed for Xbox content, including games, DLC, add-ons, and hardware.

Yes, the card has no foreign transaction fees, making it suitable for international purchases.

It’s ideal for Xbox players and Microsoft enthusiasts who want to earn rewards on everyday spending.

No, the card does not include an introductory APR offer.

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