Barclays
Xbox Benefits, Credits & Annual Fee
No annual fee
The Xbox Mastercard is a no-annual-fee card built for gamers, earning 5x points at the digital Microsoft Store, 3x on streaming and dining delivery, and 1x on everything else. Points redeem toward Xbox and Microsoft purchases.
- 5xOnline Shopping
- 3xStreaming
- 3xDining
Maintained by Creddy Editorial · Catalog checked Oct 9, 2026
Xbox at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- Barclays
Xbox Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Online retail | 5x | |
| Streaming | 3x | |
| Dining | 3x | |
| Everything else | 1x |
Who Should Get the Xbox?
The Xbox fits people who spend most on online retail (5x) and streaming (3x). It has no annual fee, so it costs nothing to keep.
Is the Xbox Worth It?
The Xbox has no annual fee, so every reward you earn is value you keep. Compare its earning rates with your spending.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Xbox Welcome Bonus
5,000 card points and 3 months Game Pass Ultimate; two additional gift codes after $7,000 spend
Offer history
- Sep 75,000 card points and 3 months Game Pass Ultimate; two additional gift codes after $7,000 spend
- Sep 15,000 bonus card points ($50 value) plus 3 months of Game Pass Ultimate
- Oct 165,000 bonus card points
Tracked since Oct 2024
Xbox Statement Credits and When They Reset
Creddy's catalog lists no statement credits for the Xbox. Its value comes from its rewards and other benefits on this page.
More Xbox Card Benefits
Bonus Earnings
- 5X Card Points on Digital Microsoft Store Purchases5x points
Earn 5 card points per $1 spent on eligible purchases at the digital Microsoft Store. This covers digital games, apps, movies, and other qualifying content bought online. Physical retail Microsoft Store purchases may not qualify.
Checked Oct 1, 2026 - 3X Card Points on Streaming Services3x points
Earn 3X card points for every $1 spent on eligible streaming services such as Netflix, Disney+, and Spotify.
Checked Oct 1, 2026 - 3X Card Points on Dining Delivery3x points
Earn 3X card points for every $1 spent on eligible dining delivery services.
Checked Oct 1, 2026 - 1X Card Points on Everyday Purchases1x points
Earn 1 card point per $1 on all everyday purchases that don't qualify for a higher points category. There's no cap on how many points you can earn. Points can be redeemed toward Xbox and Microsoft purchases.
Checked Oct 1, 2026
Purchase Protection
- $0 Fraud Liability Protection
You pay $0 for any unauthorized charges made on your Xbox Mastercard. If you spot a charge you didn't make, report it and you won't be held responsible. This protection applies as long as you report fraud promptly.
Checked Oct 9, 2026
Entertainment
- Microsoft Rewards Level 2 Status
Your Microsoft account is upgraded to Level 2 status in the Microsoft Rewards program. The upgrade happens automatically once you activate your Xbox Mastercard. It applies only to the primary cardmember's linked Microsoft account.
Checked Oct 9, 2026
Fees & Miscellaneous
- Personalized Card Design with Gamertag
Choose from five card designs and personalize your Xbox Mastercard with your Xbox gamertag.
Checked Jul 4, 2026 - 0% Introductory APR on Balance Transfers
Get a 0% introductory APR on balance transfers for the first 12 billing cycles. To qualify, the balance transfer must post to your account within 45 days of opening. After the intro period ends, the standard variable APR applies.
Checked Jul 4, 2026 - No Annual Fee$0 / yr
The Xbox credit card has a $0 annual fee. Keep and use the card without paying a yearly fee for the account; interest and other applicable charges can still apply.
Checked Oct 7, 2026 - Card Points Redemption for Xbox and Microsoft Purchases
Use card points toward eligible Xbox and Microsoft purchases. Redeem points for purchases at xbox.com, Microsoft.com, on console, or in-game; the redemption appears as a credit on your billing statement rather than a discount at checkout.
Checked Oct 7, 2026 - Complimentary FICO Credit Score Access
Get free access to your FICO Credit Score online and receive alerts whenever your score changes. Log in to your account to view your score at any time. This is a soft inquiry and does not affect your credit.
Checked Jul 4, 2026 - Foreign Transaction Fee3% / yr
A 3% fee applies to each purchase made outside the U.S. or in a foreign currency.
Checked Sep 26, 2026
Xbox vs Other Barclays Cards
- AARP Essential RewardsNo annual fee
- AARP Travel RewardsNo annual fee
- Carnival WorldNo annual fee
- JetBlueNo annual fee
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Xbox FAQs
Is the Xbox Mastercard worth the annual fee?
Compare Xbox's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits can Creddy track for Xbox?
Creddy's September 26, 2026 catalog check found no trackable benefit records for Xbox. That describes Creddy's tracking coverage, not the card's full rewards, insurance or issuer benefits. Review the earning tables and the exact issuer terms for those separate features.
What is the annual fee for the Xbox Mastercard?
Creddy's catalog lists a $0 annual fee for Xbox as checked on September 26, 2026. Confirm current pricing and any additional-card fees with Barclays before applying or renewing.
Does the Xbox Mastercard come with a welcome bonus?
Welcome offers for Xbox can change and may depend on your application or account history. Check Barclays's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Xbox Mastercard?
Xbox may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Xbox Mastercard compare to other Barclays cards?
Compare Xbox with other Barclays cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.