There are going to be Xbox credit cards


Microsoft has announced the Xbox Mastercard, a console-themed credit card that earns you points which can be spent on the Xbox store.

Just as important, these cards also bear one of five neat designs that show off the Xbox console logo.

The bad news: for now, the Xbox Mastercard is only available to folks who live in the “continental United States, Alaska, or Hawaii”.

We have approached Xbox UK for comment on plans to release a similar card for gamers in the UK.

However, even if you are a green card away from having one of these Xbox credit cards yourself, it’s still worth taking note of exactly what they get you.

Like plenty of other card schemes, the Xbox credit card racks up points with every purchase.

How Xbox credit card points work

You get one point per dollar spent on normal purchases, three points spent on the streaming services or the US’s equivalent of Just Eat and Deliveroo, DoorDash, and Grubhub. And five points per dollar for money spent at the Microsoft/Xbox stores.

These look similar to, but are not related to, the Xbox Reward points you can already collect by playing games today. In the UK, these can be used to buy Xbox and Game Pass gift cards, get digital currency in Overwatch, and to buy vouchers for many other retailers including Waitrose, Apple, and IKEA.

You’ll get better per-point returns from these Xbox Mastercard points by the sound of it, as 1,500 points gets you a $15 Xbox gift card, whereas you need 22,800 Rewards points to get a £15 Xbox gift card at present.

Those who sign up for the card also get the sweetener of 5,000 bonus points, a three-month Game Pass Ultimate subscription, and the option to customise their card with their gamer tag. Double-plus nerd points.

The card will be available to Xbox Insider subscribers from September 21, before being opened up to people across the US in 2024. Microsoft’s Xbox Insider programme is for folks who want to try out the latest in-progress software update for Xbox and Windows 11, people willing to put up with the odd bug or two in favour of getting access to the latest features.