Barclays
Xbox Mastercard
Key Features
| Annual Fee | $0.00 |
| Intro APR | 0% introductory APR for the first twelve billing cycles following each balance transfer that posts to your account within 45 days of account opening. |
| Regular APR | 19.24% to 29.99%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. After that, (and for balance transfers that do not post within 45 days of account opening) your APR will be 19.24% to 29.99%, based on your creditworthiness and other factors.This APR will vary with the market based on the Prime Rate. 29.99%.This APR will vary with the market based on the Prime Rate. |
| Other Fees | Balance transfer fee Either $10 or 5% of the amount of each transfer, whichever is greater. The minimum monthly interest charge will be $1. Cash advance fee: 5% (min. $10). Foreign transaction fee: 3%. |
| Network | Mastercard |
About this card
The Xbox Mastercard is a niche card with mixed strengths and weaknesses, resulting in an overall rating of 2.9. Its main appeal lies in its rewards program tailored to Xbox enthusiasts, offering accelerated earnings on Microsoft Store purchases and select streaming/delivery services, combined with no annual fee and a sign-up bonus. However, the value is limited by the restrictive redemption options within the Xbox ecosystem, the high regular APR, and the presence of foreign transaction fees. Furthermore, the reputational concerns surrounding the issuer, Barclays, particularly regarding customer service, weigh down the overall assessment. While it can be beneficial for dedicated Xbox users, a general cash-back card might offer better flexibility and value for most consumers.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Sign-up bonus
- Rewards on purchases
Things to consider
- High regular APR
- Foreign transaction fees apply
- Balance transfer fee
What this card offers
Sign-up bonuses
- Earn 5,000 bonus card points after making your first purchase within the first 180 days of account opening. That's a $50 value.
- For new Game Pass members after making your first purchase within the first 180 days of account opening.
- 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.2,3
Rewards
- Earn 5X card points for every $1 spent on eligible products at the digital Microsoft Store
- Earn 3X card points for every $1 spent on eligible streaming services
- Earn 3X card points for every $1 spent on eligible dining delivery services
- Earn 1X card points for every $1 spent on everyday purchases
Other features
- Personalize your card Choose from one of five iconic card designs and personalize with your gamertag.4
- Redeem your card points On eligible purchases at xbox.com, Microsoft.com, on console, and in-game (applied as a credit on your billing statement).2
- Enjoy the flexibility of digital wallets Such as Apple Pay and Google Pay.
- Complimentary FICO Credit Score Online access to your FICO Credit Score lets you keep an eye on your credit score and get alerts when we learn that your score has changed.5
- $0 Fraud Liability protection You're not responsible for the charges you did not authorize.
Additional Notes
The Xbox Mastercard is issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated.