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Everything you need to know about the Xbox credit card: free Game Pass, fees, and more.

Microsoft has made available an actual Xbox credit card, which gives users some benefits for using ranging from points to free Game Pass months.

Everything you need to know about the Xbox credit card: free Game Pass, fees, and more.

Announced in September of this very year, the Xbox Mastercaard credit card is now available in the United States for a select few users. This collaboration between Microsoft and Mastercard brings with it benefits that range from special redeemable points to free access to Game Pass. Below you’ll find everything we know about this card.

What is, and how to get, the Xbox Mastercard

Created by Microsoft and Barclays, a financial institution that has backed other special credit cards, the Xbox Mastercard basically functions like any other credit card, allowing its users to make purchases with it and paying it later. There are specific fees and interests related to its use, but this specific card comes with special bonuses, from discounts to rewards.

You should know that, as of this moment, the card is only available in the US, and you have to be a member of the Xbox Insider program to be eligible to get one. If you’re already a member, you’ll have to check the Xbox Insider Hub to see if the “Xbox Mastercard” option is available to you. If it is, it means you have been invited to apply for one.

However, you still need to be approved. If you wish to register to try and obtain one, you’ll have to sign in with your Xbox Insider account details on the official Xbox Mastercard website, where you’ll be redirected to Barclay’s portal in which you’ll need to fill in an application to be granted a card.

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What are the benefits of the Xbox Mastercard?

The main attractor of the Xbox Mastercard is its points program. For every purchase an user makes with the card, they’ll receive a certain amount of points depending on the size of the transaction. These points can later be redeemed for rewards or used to pay for other purchases.

Certain payments will also give extra points, in this case those related to a few storefronts: Transactions in the Microsoft Store will give 5x points, Netflix, Disney+, and other streaming services give 3x points, as do certain food delivery services, and every other type of transaction offers the regular 1x points.

According to Microsoft, 5,000 points are equivalent to around $50 USD, which means that every point is worth close to $0.01 USD. below is a list of every participating service that offers the previously mentioned extra points:

Video Streaming Services

  • Amazon Prime Video
  • Apple TV
  • Crunchyroll
  • discovery+
  • Disney+
  • ESPN+
  • fuboTV
  • Hulu
  • Hulu + Live TV
  • Netflix
  • Paramount+
  • Peacock
  • Philo
  • Showtime
  • Sling TV
  • Starz
  • Vudu
  • Willow TV
  • WOW Presents Plus
  • YouTube Premium
  • YouTube TV

Music Streaming Services

  • Amazon Music Unlimited
  • Apple Music
  • iHeartRadio
  • Pandora
  • Qobuz
  • SiriusXM
  • SoundCloud
  • Spotify
  • Tidal
  • YouTube Music

Audiobooks/Ebook Streaming Services

  • Audible
  • Kindle
  • Kobo

Dining Delivery Services

  • Caviar
  • ChowNow
  • DoorDash
  • Goldbelly
  • Grubhub
  • OrderUp
  • Postmates
  • Seamless
  • Uber Eats

The points accumulated by the Xbox Mastercard can be redeemed in the Xbox store to purchase games and add-ons, which could also be used to pay for a Game Pass subscription.

Free Xbox Game Pass

The Xbox Mastercard also comes with three free months of Game Pass Ultimate for its users. This reward will be available only after first making a purchase with the card, and it is only available for new subscribers to the service. This means that existing members are not eligible to get these three months, but they can still receive the gift code and give it to a friend.

Fees, costs, and other important information.

As of right now, the Xbox Mastercard has no annual fee for its users. Its APR (Annual Percentage Rate) is 20.99%, 26.99%, or 31.99%, depending on the user’s credit history. These same rates apply for transfers, and raises to 32.49% for cash advances.

By paying the monthly statement balances in full, the users can avoid paying interests for their purchases. The due date of the Xbox Mastercard to make these payments is 23 days after the closing of each billing cycle. Otherwise you’ll be subject to late or returned payment fees, which in addition to interests will add $41 USD to the amount (varies by state).