In September 2023, Xbox Insiders received early access to the Xbox Mastercard to help shape the customer experience. The credit card delivers a unique value tailored to players by using a points system that allows them to spend points on things they love.

Starting today, the Xbox Mastercard with no annual fee is available to all residents in the continental United States, Alaska and Hawaii. Learn more about earning card points that can be redeemed for digital games, add-ons, the first payment of subscriptions, consoles, accessories, and more at Xbox.com.

With the Xbox Mastercard, cardmembers can earn card points for every $1 spent on purchases including: 

• Xbox & Microsoft – Earn 5x card points on eligible products at the Microsoft Store.  
• Streaming services – Earn 3x card points on eligible streaming services like Netflix and Disney+. 
• Dining delivery services – Earn 3x card points on eligible dining delivery services like Grubhub and DoorDash. 
• Everyday purchases – Earn 1X card points on all other everyday purchases. 

Cardmembers will also get access to more benefits including a few new benefits that start today:

• A bonus of 5,000 card points (a $50 value) after first purchase. 
• Three months of Xbox Game Pass Ultimate for new Game Pass members after their first purchase. Current Game Pass members can easily gift it to a friend or family member so everyone can join the fun.
• (New) Plus, both new and existing cardmembers can earn two 3-month codes to gift to friends or family to try Game Pass Ultimate for the first time when $7,000 or more is spent within first 12 months of opening the card account.
• (New) Cardmembers are upgraded to Level 2 of Microsoft Rewards, earning rewards faster with Xbox Mastercard.
• (New) Boost the volume with 3 free months of Spotify Premium Individual for new and existing cardmembers (for new Spotify Premium Individual users only). ³
• Flexibility of use with contactless payments and digital wallets. 
• Online access to cardmembers’ credit score for free, which allows users to keep an eye on their credit score and receive alerts when their score has changed. 
• $0 Fraud Liability protection, so cardmembers are not responsible for charges they didn’t authorize. 
• (New) Plus, Barclays Money Basics is now available for educational information to build your financial knowledge on credit scores, fraud prevention, budgeting, and more. 

All benefits are available to both new and existing cardmembers. Terms and conditions apply.  

Cardmembers can choose from one of five iconic designs and personalize it with their gamertag. Play anywhere with Xbox, pay anywhere Mastercard is accepted.

^1 Xbox Mastercard Terms and Conditions
^2 Xbox Mastercard Reward Rules
^3 Spotify Paid Subscription Terms and Conditions

Editor’s Note (April 18, 2024): Updated Summary section to clarify where users can redeem points on digital games, add-ons, and more.