The Xbox Mastercard with Barclays is available now in the US, but is it the card for you?
Bear in mind, this is a brand-new card so there are not yet any user reviews.
What is the Xbox Mastercard?
The card also comes with a variety of bonuses and perks for spending, which we’ll dig into.
How can I apply?
If you’re accepted, you’ll receive a card and can start shopping and accumulating points.
The card will become available to the general public in 2024.
What is the points system?
Like other credit cards, the Xbox Mastercard allows users to earn “card points” on their purchases.
The categories for the Xbox Mastercard are, naturally, themed around gaming and entertainment.
Here is a rundown of the points system:
There are some noteworthy exceptions here.
Xbox Mastercard points can be redeemed to purchase games and add-ons through Xbox.com.
You will receive the bonus after your first purchase.
Existing Game Pass Ultimate members are not eligible.
But they will still get the bonus that they can then give to a friend.
Xbox Game Pass Core members are eligible, however.
The card supports contactless payments and can be loaded onto your smartphone.
Annual fee, APR, and other fees
The Xbox Mastercard has no annual fee.
Cardholders can avoid paying interest on purchases by paying their statement balances in full on time.
Another key thing to know is the Xbox Mastercard has a 3% fee for foreign transactions.
The late and returned payment fees are $41, though the amount varies by state.
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