Xbox Mastercard

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

Five Xbox credit card designs assembled in a line


Currently only available to Xbox Insiders that have joined the Xbox Mastercard Preview.

Introducing the no annual fee Xbox Mastercard.1 Earn card points with everyday purchases. Redeem card points on games and add-ons at (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® and Disney+®.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

Women playing a gaming 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 and add-ons at (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 logo

3 months of Game Pass Ultimate

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.2,3 Be the first to play new games on day one and enjoy hundreds of high-quality games with friends on console, PC, and cloud.*

Check out more of the Xbox Mastercard features

No annual fees icon

No annual fee1

Contactless payment icon

Contactless payments

FICO score icon

Free FICO® Score5

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.

Preview icon

Xbox Mastercard Preview

The Xbox Mastercard Preview is rolling out to Xbox Insiders now. Join and be the first to experience the Xbox Mastercard. Not an Xbox Insider? Enroll now!

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