Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Up to 5X (Microsoft Store)
Highest rate (conditional)
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
XBOX points
Credit Required
Good
Bonus: 5,000 points
Benefits & Perks
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Free online access to your FICO® Credit Score, as long as your account is open, active, and in good standing.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Reviews & Analysis
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
| Purchase APR | 19.24%–29.99% (Variable) |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Barclays | Barclays: Multiple card facts | |
| Issuer Page |
| Issuer Page: Welcome offer |
| Issuer Page | Issuer Page: Welcome offer |
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
