Xbox Mastercard

Apply now and, after your first purchase, earn a bonus of 5,000 card points ($50 value), 3 months of Game Pass Ultimate for new members, and more.1,2,3

Five Xbox credit card designs assembled in a line


Introducing the no annual fee Xbox Mastercard.1 Earn card points with everyday purchases. Redeem card points on games, add-ons, hardware, and more at,, on console, and in-game (applied as a credit on your billing statement).2

Earn card points on the things you love


Digital Microsoft Store

Earn 5X card points on eligible products at the digital Microsoft Store.2


Streaming services

Earn 3X card points on eligible streaming services like Netflix®, Disney+®, and Spotify.2


Dining delivery services

Earn 3X card points on eligible dining delivery services like Grubhub® and DoorDash®.2


Everyday purchases

Earn 1X card points on everyday purchases.2

Woman playing a game on her phone with an Xbox controller
Xbox Credit card in front of a TV, Xbox game box art, Xbox Series S, and a Microsoft gift card

Redeem your card points, get more gaming

Redeem card points on games, add-ons, a controller or console, pre-orders, Xbox Gift Cards, the first month of your Game Pass membership, and more at,, on console, and in-game (applied as a credit on your billing statement).2

Personalize your card

Choose one of five iconic designs with the option to personalize it with your gamertag.4

Isometric of Xbox Game Pass games, TV screen, Xbox Series S, Xbox wireless controller, tablet, and mobile phone

Game Pass Ultimate for you, your friends, or family

Earn 3 months of Game Pass Ultimate for new Game Pass members after your first purchase. Already a Game Pass member? Gift it to a friend or family member. Plus, when you spend $7,000 or more within your first 12 months of opening your account, you earn two 3-month codes to gift to friends or family to try Game Pass Ultimate for the first time.2,3,*

Teenager listening to music with headphones while leaning on a wall

3 months of Spotify Premium Individual

Get 3 months of Spotify Premium Individual after your first purchase with your Xbox Mastercard. With Spotify, it’s easy to find the right ad-free music or podcast for every moment – on your phone, your computer, your tablet, and more. Soundtrack your life with Spotify.5

A medal icon inside a glowing neon circle.

Earn more with Microsoft Rewards

Earn the rewards you love faster with Microsoft Rewards. As a cardmember, in addition to the card points you earn, you also get the benefits of Microsoft Rewards with Level 2 status.2


Check out more of the Xbox Mastercard features

No annual fees icon

No annual fee1

Contactless payment icon

Contactless payments

FICO score icon

FICO® Score for free6

Zero fraud liability icon

$0 Fraud Liability protection

Digital wallet icon

Digital Wallets supported

Master Chief looking into the distance
Log in icon

Sign in with your Microsoft account

Sign in or create a new Microsoft account to link your Xbox profile with your Xbox Mastercard.

Application complete icon

Complete your application

You’ll be transferred to to complete your application.

Earning and redeeming points icon

Start earning and redeeming points

Once approved, you can instantly start shopping and earning card points with your Xbox Mastercard.2

Manage your card icon

Manage your card account

View your card points and manage your payments at


Frequently Asked Questions