All About the Xbox Mastercard

The Xbox Mastercard® is a no-annual-fee credit card tailored for gamers and Xbox enthusiasts, offering rewards on everyday purchases that can be redeemed exclusively for Xbox content.

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With 5X points on Microsoft Store purchases, 3X points on streaming and dining delivery services, and 1X points on all other purchases, it allows cardholders to earn valuable rewards while engaging in their favorite activities.


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 through the Microsoft Store.
  • 3X Points on Streaming Services: Get 3 points per $1 spent on services like Netflix, Disney+, and others.
  • 3X Points on Dining Delivery: Earn 3 points per $1 on purchases from Grubhub, DoorDash, and similar platforms.
  • 1X Points on All Other Purchases: Earn 1 point per $1 on everything else.
  • Sign-Up Bonus: Enjoy 5,000 points (equal to $50 in Xbox value) and three months of Xbox Game Pass Ultimate for new members after your first purchase.



The Xbox Mastercard® is an excellent choice for gamers looking to enhance their Xbox experience through exclusive rewards and benefits. With 5X points on Microsoft Store purchases, it provides significant value for those who frequently buy games, add-ons, and hardware. The card also rewards everyday spending with 3X points on streaming services like Netflix and Disney+, as well as dining delivery platforms such as DoorDash and Grubhub. For everything else, you’ll earn a solid 1X points per $1 spent.

The sign-up bonus is another highlight, offering 5,000 points (worth $50 in Xbox content) after your first purchase, plus three months of Xbox Game Pass Ultimate for new members. This card’s no-annual-fee structure ensures accessibility, while the option to personalize your card with your Xbox gamertag adds a unique, personal touch.

Although its rewards are Microsoft-centric, the Xbox Mastercard® excels in delivering value to its target audience. It’s best suited for loyal Xbox players who want to earn rewards through everyday spending while enjoying the perks of the Microsoft ecosystem.


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

Disclaimer: You will be redirected to the official website.


The Xbox Mastercard® allows cardholders to redeem their earned points for a wide range of Xbox content, making it incredibly rewarding for gamers. Points can be used to purchase games, downloadable content (DLC), add-ons, and even Xbox hardware, ensuring that your rewards directly enhance your gaming experience. This flexibility lets you tailor your redemptions to suit your preferences, whether it’s upgrading your console setup, exploring the latest game releases, or purchasing in-game items.

Benefits Breakdown

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

With the Xbox Mastercard®, you can truly make the card your own. Cardholders can choose from five iconic Xbox designs, each representing a unique aspect of the Xbox gaming universe. Additionally, you can personalize the card with your gamertag, adding a personal touch that reflects your identity as a gamer. This customization feature goes beyond aesthetics, allowing you to carry a piece of the gaming world with you wherever you go.


The Xbox Mastercard® can help you build or maintain a strong credit profile. Here’s how:

  1. Pay Bills On Time: Always make timely payments to maintain a positive credit history.
  2. Keep Utilization Low: Use less than 30% of your credit limit to improve your credit score.
  3. Monitor Credit Reports: Use tools to check your credit progress and dispute errors.
  4. Use the Card Regularly: Consistent usage, especially in bonus categories, demonstrates responsible credit management.
  5. Pay Balances in Full: Avoid interest charges by paying your statement balance every month.

By following these steps, you can steadily improve your credit score and unlock access to better financial products.


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

While its rewards are tailored specifically to the Xbox and Microsoft ecosystem, it excels in meeting the needs of its target audience. Gamers who frequently shop at the Microsoft Store will find the card particularly beneficial. However, those seeking more versatile redemption options might consider other rewards cards.

Overall, the Xbox Mastercard® is a rewarding and engaging choice for Xbox enthusiasts, combining everyday value with exclusive gaming benefits. Whether you’re leveling up in your favorite game or enjoying streaming services, this card ensures your spending is both fun and rewarding.


The card has no annual fee.

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

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