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[Celcius]

Have any of you guys ever gotten gaming-related credit cards before? Sony and MS both offer them (not Nintendo though).

PlayStation

PlayStation Credit Card

Earn Points. Get Rewarded. When you use the PlayStation Visa Credit Card. Apply Now.

www.playstation.com

Xbox

Xbox Mastercard | Xbox

Introducing the Xbox Mastercard. Earn card points with everyday purchases and redeem those points on games and add-ons.

www.xbox.com

I've always wondered who actually gets these. Looks like you can earn points/rewards for shopping with Sony/MS and then you can redeem them for stuff and the interest rates as seem to be in the 17%-31% range. You can use the credit card anywhere though, not just on the PS/Xbox store.

Do any of you guys use these? Have the points been a big deal to y'all?

 

[Magic Carpet]

I have the Apple card. Does that count? I have lots of games on my iPhone and iPad.

 

[JerryinSoCal]

I know the PlayStation one gives you points you can use towards Sony products and playstation giftcards.

 

[LyricalShrike]

Does the interest rate matter if the benefits are good? Just don't carry a balance. I've only ever bothered with cashback cards myself. I don't spend enough in any niche for the benefits of cards to matter.

 

[DownLikeBCPowder]

I thought about it but I rarely buy anything digitally on Microsoft or Sony store so it's not really worth it, so I just stick with a generalized reward card.

 

[hououinkyouma00]

Are the benefits of these cards good enough to even bother?

I have the Apple card. Does that count? I have lots of games on my iPhone and iPad.

Same. I love it mostly because of how easy it is to make payments/transparency and the easy Daily Cash back.

 

[DownLikeBCPowder]

Does the interest rate matter if the benefits are good? Just don't carry a balance. I've only ever bothered with cashback cards myself. I don't spend enough in any niche for the benefits of cards to matter.

Interest rate doesn't matter at all as long as you clear your balance correct.

Are the benefits of these cards good enough to even bother?

If you dont have a cashback / general reward card, sure. And maybe even still depending on percentages. I funnel almost all spending through such cards though I don't have any of these.

 

[Codes 208]

Best buy and thats it

 

[reinking]

I used to have the PlayStation card and it was great at the time. Just make sure you pay the balance off each month. I was able to keep PS+ paid annually and buy a game or two each year with the rewards. Unfortunately, in my case, after several years, someone kept changing my shipping address. It was only the address and there was never an alert they were doing logging into the website. Since Comenity Bank could not tell me how it was happening, I ended up closing the account and moving to an Apple card.

 

[phant0m]

No. Unless PSN/Xbox digital store are your primary ways of spending money, you're better off with a more generic card that you can earn points faster and allow you to use the points to buy gift cards.

Example: I get 5x points on travel, 3x points on dining and 3x points on groceries on my Sapphire Preferred. Spend waaaay more in an average month on all 3 of those things then on gaming in general, let alone one store specifically. I then redeem my points in the chase reward store for Gamestop, Xbox or Best Buy gift cards. I usually end up with $150-200 in gift cards every year

 

[DownLikeBCPowder]

No. Unless PSN/Xbox digital store are your primary ways of spending money, you're better off with a more generic card that you can earn points faster that allow you to buy gift cards.

These are Visa or MC branded cards - spending isn't constricted to the walled gardens, just the rewards.

Example: I get 5x points on travel, 3x points on dining and 3x points on groceries on my Sapphire Preferred. Spend waaaay more in an average month on all 3 of those things then on gaming in general, let alone one store specifically. I then redeem my points in the chase reward store for Gamestop, Xbox or Best Buy gift cards. I usually end up with $150-200 in gift cards every year

But yes generally I'm sure there are better reward schemes.

 

[phant0m]

These are Visa or MC branded cards - spending isn't constricted to the walled gardens, just the rewards.

I know that - but the speed in which you earn rewards is tied to those stores. Both of them offer 5x points for their respective stores. That's great, but it's ONLY on money you spend there. Both also have 3x on streaming services, but what're most people really spending on that? Maybe they've got 3 and it's $45/mo? Not a lot of dough/points there. PS has dining which is nice, but Xbox is just delivery (DD/UE).

Groceries, Travel, Gas (common categories on generic cards) - you get nothing extra, just 1x. I spend more on Groceries in a week for my family than I spend most months on all of gaming.

Like I said, if you're a PS guy and it's the main/only platform you play and you buy all digital on PSN? Heck yeah, great cards especially for $0 annual fee. But if you've got a wider range of larger monthly costs, and maybe you split your gaming spend between PS and PC? Better off with a generic card you can earn more points with, and use them for gift cards on different stores as needed.

 

[DownLikeBCPowder]

I know that - but the speed in which you earn rewards is tied to those stores. Both of them offer 5x points for their respective stores. That's great, but it's ONLY on money you spend there. Both also have 3x on streaming services, but what're most people really spending on that? Maybe they've got 3 and it's $45/mo? Not a lot of dough/points there. PS has dining which is nice, but Xbox is just delivery (DD/UE).

Groceries, Travel, Gas (common categories on generic cards) - you get nothing extra, just 1x. I spend more on Groceries in a week for my family than I spend most months on all of gaming.

Like I said, if you're a PS guy and it's the main/only platform you play and you buy all digital on PSN? Heck yeah, great cards especially for $0 annual fee. But if you've got a wider range of larger monthly costs, and maybe you split your gaming spend between PS and PC? Better off with a generic card you can earn more points with, and use them for gift cards on different stores as needed.

Ok, yes, I agree.

 

[ReBurn]

I have the Apple card. Does that count? I have lots of games on my iPhone and iPad.

I have one of these, too. I've used it three times in as many years.

There's no real benefit to the Xbox and PlayStation credit cards for me.

 

[Puscifer]

I said this last time it came up, I'm still vehemently anti credit card and only kept 2 after my divorce.

General piece of advice to everyone, unless it's an Airline credit card or cashback card that applies to your spending habits 99% of these meme cards shouldn't be on your credit report. There's cash back cards with up to 5% back and this is just a joke.

I pay rent with my united credit card and put bills on another I get thousands of miles a month and cash back on another. This lets me fly to see my family 3 times a year for free because of it, just don't do it. You really want Xbox points instead of free flights or cash back that stacks up?

For the love of God don't lock yourself into brand/store credit.

 

[nikos]

I got the PlayStation card when it first launched. It had a horrible interest rate.

Stopped using credit cards altogether.

 

[Bridges]

I have the Xbox card, I use it for Game Pass and digital game purchases but I don't use it for anything outside the Xbox store.

I got Helldivers 2 when it came to Xbox essentially for free through rewards points. I use a different card for all my non-xbox purchases

 

[kevboard]

 

[IAmRei]

hmm, never seen those, anyway, xbox design is better, as usual

 

[awwr999999]

PlayStation needs to start accepting Bitcoin for PSN payments.

 

[RavageX]

I have the Playstation card, I've gotten a few games and such out of it. I don't carry a balance on it. I use other cards for large purchases when I have 0% APR offers.

 

[Soodanim]

I love the idea of someone being on a hot date and whipping out their PlayStation credit card to pay for dinner.

 

[ahtlas7]

Nope but my debit card is Darth Vader themed. Best choice I have ever made.

 

[MudoSkills]

If the PS card was available in the UK I'd probably get one.

Those interest rates are what you would expect with almost any credit card.

 

[StueyDuck]

Didn't Kojima have his own

 

[CuteFaceJay]

No consumer debt for me thanks, That shit is a trap.

 

[Unknown Soldier]

It's better to get a credit card which gives rewards which can be used generally, not just on one company's narrow range of products and services

 

[Susurrus]

You'd have to be a really heavy user of Playstation or Xbox for it to be worth it. The point earn is pretty awful except on Playstation stuff, and then it looks like you can only use the points on Playstation at a 1x rate? Xbox seems to be mostly the same except a bit better on dining but you can only use the points on digital stuff.

I'm not sure in what world this is a smart card to have.