Want to write for our blog? Get in touch about becoming a sortitoutsi writer.
The Xbox Mastercard offers Microsoft fans and gamers an exciting way to earn rewards, but it comes with limitations that might make you rethink your decision. While the card offers some great rewards on gaming and streaming purchases, its restrictions on point redemption and high APR could make it less appealing for users looking for broader benefits.
Attractive Rewards for Microsoft Shoppers
The Xbox Mastercard shines when it comes to rewards for purchases within the Microsoft Store. Cardholders earn 5 points per $1 spent on qualifying Xbox games, accessories, and digital products. Those who regularly order food or stream music and videos will also benefit, as the card offers 3 points per $1 spent on services like Netflix, Spotify, and DoorDash. For all other purchases, you’ll earn 1 point per $1. Additionally, new members get a three-month Xbox Game Pass Ultimate subscription as a welcome bonus, plus two three-month codes after spending $7,000 in the first year.
Limited Redemption Options
One of the main drawbacks of the Xbox Mastercard is that points can only be redeemed for products within the Microsoft ecosystem, such as game consoles, games, and Xbox gift cards. This may appeal to dedicated Xbox fans but limits the flexibility of the card compared to other cash-back cards that allow rewards to be used more broadly.
Modest Sign-Up Bonus and Instant Card Access
The card offers a modest 5,000-point sign-up bonus after your first purchase, worth $50, plus a three-month Xbox Game Pass Ultimate subscription. The application process is quick, and once approved, your card details are instantly available in your Microsoft account, allowing you to start earning rewards right away.
Be Cautious of the High APR
The Xbox Mastercard comes with a steep variable APR of 31%. If you carry a balance, interest charges can quickly outweigh the rewards you earn. For users who plan to carry a balance or finance large purchases, a credit card with a lower or 0% introductory APR, such as the Citi Simplicity® Card, might be a better choice.
To learn more, you can visit Z2U.COM, which not only has the latest game guides but also provides Xbox Gift Card Deals trading services for players. If you are looking for Xbox Game Pass Gift Card, Z2U will be your best choice, with 24-hour online service, and fast and secure transactions, so you no longer have to worry about everything!
You'll need to Login to comment