Barclays
Xbox
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.
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Online retail | 5x | |
| Everything else | 1x |
Benefits
Welcome Bonus
- Game Pass Ultimate Membership (3 months for new members)5,000 pts
New Game Pass members get 3 months of Game Pass Ultimate free. Make your first card purchase within 180 days of account opening to trigger the reward. Only available to cardholders who are not already Game Pass members.
Bonus Earnings
- 1X Card Points on Everyday Purchases
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.
Resets: Yearly - 5X Card Points on Digital Microsoft Store Purchases
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.
Resets: Yearly
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.
Resets: Yearly
Fees & Miscellaneous
- No Annual Fee
There's no annual fee to carry the Xbox Mastercard. You get full access to all card benefits at no yearly cost.
Resets: Yearly - 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.
Resets: Yearly - Personalized Card Design with Gamertag
Choose from five card designs and personalize your Xbox Mastercard with your Xbox gamertag.
- 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.