Xbox Mastercard
- Annual Fee
- $0
- points · Welcome Bonus
- 5,000
- Highest rate (conditional)
- Up to 5X (Microsoft Store)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Mastercard Standard
- Rewards Currency
- XBOX points
- Credit Required
- Good
Welcome Offer
Bonus: 5,000 points
Earning Rates
- 5X
Microsoft Store
Earn 5x card points on eligible products at the digital Microsoft Store
- 3X
Food Delivery
Earn 3x card points on eligible dining delivery services like Grubhub® and DoorDash®
- 3X
Streaming
Earn 3x card points on eligible streaming services like Netflix® and Disney+®
Benefits & Perks
Insurance & Protections
3 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Free FICO® Score
Free online access to your FICO® Credit Score, as long as your account is open, active, and in good standing.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Reviews & Analysis
The Math: Is $0 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 19.49%–29.99% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Barclays | Barclays: Multiple card facts | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Barclays | Barclays |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
