Is the Xbox Mastercard Worth It? Pros and Cons for Gamers

For gamers who are deeply invested in the Xbox and Microsoft ecosystems, the Xbox Mastercard offers a way to earn rewards on hardware, software, and services like Xbox Game Pass. Issued by Barclays, the card carries no annual fee and provides substantial rewards for certain purchases. However, the card’s restricted redemption options may not appeal to everyone.

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Key Rewards for Gamers
The Xbox Mastercard is ideal for those who spend a significant amount on Xbox-related items. Cardholders earn 5 points per $1 spent on purchases made within the Microsoft Store, including consoles, games, and accessories. For food delivery and streaming services like DoorDash, Netflix, and Spotify, you’ll earn 3 points per $1, and 1 point per $1 on other qualifying purchases. For those who use Xbox Game Pass, the card includes a bonus three-month subscription for new members, plus two additional three-month codes after spending $7,000 within the first year.

Rewards Redemptions Are Limited
Although the points accumulation is attractive, the Xbox Mastercard has a major limitation: redemption options are restricted to the Microsoft Store, including game purchases, Xbox gift cards, and subscriptions like Xbox Game Pass. While this setup is ideal for gamers who exclusively buy from Microsoft, it may not suit those who prefer the flexibility of redeeming rewards for a wider range of products and services.

Sign-Up Bonus and Instant Access
When you first get approved for the Xbox Mastercard, you’ll receive a 5,000-point bonus (worth $50) after making your first purchase within 180 days. New Xbox Game Pass members will also get a complimentary three-month subscription to Game Pass Ultimate. Furthermore, the card provides instant access to your account number, allowing you to make purchases immediately without waiting for the physical card to arrive.

High APR May Be a Dealbreaker
One of the biggest downsides of the Xbox Mastercard is its high variable APR, which tops out at 31%. This makes it a costly option for anyone who might carry a balance. If you plan to use the card for larger purchases and want to avoid excessive interest charges, a 0% APR card like the Citi Simplicity® Card could offer more financial flexibility.