PlayStation Card from Capital One

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A no-brainer for gamers who love PlayStation.

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our 0% apr category page.

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If you’re a serious gamer — or you have one living under your roof — the PlayStation Card from Capital One could save you some dough on PlayStation games, accessories and other Sony products.

Review

You won’t find another card that offers as high a rewards rate on gaming as this one. The Playstation Card from Capital One pays a generous 5 rewards points for every $1 spent at the PlayStation store and also 5 rewards points for every PlayStation or Sony purchase made from authorized retailers. If your goal is to earn credit for more PlayStation games and products, you can’t beat this card.

Sony knows its audience here, as you’ll earn 3x points on mobile phone bills you pay with this card. All other purchases earn 1x point, which means this probably shouldn’t be your credit card of first choice for everyday spending.

With your very first purchase on the card (made within 90 days of account opening), you’ll also get a $50 PlayStation Store code — enough to nearly buy a new game for free.

The points earned from this card are redeemable through the Sony Rewards network, which means that cardholders can redeem their points for anything in the vast online Sony Rewards catalog, including electronics, DVDs, gift cards and even bid on VIP packages to concerts and other events.

You can use your rewards to buy select movies, TV shows and music, but the prices to do so are no bargain. Average movie rentals are around $4.99 each, so you’d likely be better off with a monthly Netflix or Hulu subscription for a few dollars more that offers unlimited viewing. The real value is in the 5x the rewards for buying PlayStation and Sony products and then redeeming those rewards for additional PlayStation stuff.

One big downside of this rewards program is that rewards can’t be used for cash back or a statement credit. You may find the redemption options are too restrictive.

You can also get 50% back as a statement credit off the cost of a 12-month PlayStation Plus Membership if you spend at least $3,000 on the card within a year. Owning this card automatically will get you 10% back as a statement credit off of PlayStation Vue, PlayStation Music and PlayStation Now streaming services.

Who should own this card

Anyone who wants to earn PlayStation-based rewards for their kid (or inner kid) can benefit from owning this card to use on their gaming purchases.

Advantages
  • Get a $50 PlayStation Store code after you make your first purchase with the card within 90 days of account opening.
  • Generous earnings of 5x points for every $1 spent on PlayStation store purchases.
  • Late payments won’t affect your APR.
Disadvantages
  • You can only redeem the points through the Sony Marketplace.
  • This isn't the most rewarding card for everyday spending.
  • Your credit line may be as little as $300.
  • You'll automatically receive 1 point for every $1 spent on Sony products at an authorized dealer. You'll need to submit a bonus points form to claim the additional 4 points per $1.

Fees and APR

  • There’s no fee to own this card.
  • This card comes with an introductory 0% APR offer, which lasts until May 2018. After that, it’s a variable 14.99% to 24.99%.

Extras, perks and using rewards

Once you’re approved for the card and create an online account, you can log back into your account within 7 to 10 days and choose from one of the offered designs to customize your card.

Rewards can be redeemed through the online Sony Marketplace. There is a section on the website that offers deals where you can purchase merchandise at a discounted rewards price. Points will expire five years from the end of the month in which they were earned.

How this card compares

Amazon Prime Rewards Visa Signature Card

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our 0% apr category page.

Card Details
  • 5% back at Amazon.com.
  • 2% back at restaurants, gas stations, and drug stores.
  • 1% back on all other purchases.
Credit Needed Excellent
Regular APR 14.99% to 22.99%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.
Annual Fee No Annual Fee.
Balance Transfers Intro APR

Think of the Amazon Prime Rewards Visa Signature Card as a constant coupon for the busy household that uses Amazon Prime to buy everything from bulk pantry goods to birthday party gifts, sports equipment and other items for their kids. This card’s 5% return on Amazon purchases is among the highest rewards of any credit card on the market today.

GM BuyPower Card from Capital One®

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our 0% apr category page.

Card Details
  • Earn 5% cash back towards new GM vehicles on the first $5,000 in purchases each year.
  • Earn 2% cash back towards new GM vehicles on all other purchases for the rest of the year.
Credit Needed Excellent
Regular APR 0% Introductory APR for the first 12 months. After that, your APR will be 13.90%, 17.90%, 20.90% or 23.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Annual Fee No Annual Fee.
Balance Transfers Intro APR

If you’re yearning for a new Chevrolet, Buick, GM or Cadillac, the GM BuyPower Card from Capital One can help you save toward that goal. The card gives generous rewards back on spending toward a new car within the General Motors family.

That being said, unless you want to be locked into using rewards solely toward a new GM, we’d steer clear of this one and choose a card with greater redemption flexibility.

NFL Extra Points Credit Card

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our 0% apr category page.

Card Details
  • Earn 2 points per $1 spent on NFL or team purchases in-stadium and at the Pro Shop.
  • Earn 1 point per $1 on all other purchases.
Credit Needed Excellent
Regular APR 15.99%, 20.99% or 25.99% based on your credit worthiness. This APR will vary with the market based on the Prime Rate. 0% promotional APR for six billing cycles from the transaction date on all "Qualifying NFL Team Ticket Purchases." After that, your APR for your Qualifying NFL Team Ticket Purchases will be 15.99%, 20.99% or 25.99% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.
Annual Fee No Annual Fee.
Balance Transfers Intro APR 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) your APR will be 15.99%, 20.99% or 25.99% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

With double rewards on all NFL purchases, which includes tickets and concessions at the game and swag from NFLShop.com, owners of the NFL Extra Points Credit Card can revel in all things pigskin.

But there are other rewards cards that will earn you greater rewards across a broader range of categories. And you should use another rewards card with a better rate then the NFL card’s 1x points per $1 spent on all other spending.

Citi® Double Cash Card
Card Details
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Credit Needed Excellent
Regular APR 14.49% - 24.49%* (Variable)
Annual Fee $0*
Purchase Intro APR N/A
Balance Transfers Intro APR 0% for 18 months*

When it comes to rewards value, the Citi Double Cash Card ranks among the very best cash-back credit cards that charge no annual fee.

The card earns an unlimited 1% cash back when you make a purchase and another 1% back when you pay for those purchases. Big spenders may find this nets more cash-back overall as there’s no ceiling on what you can earn back.

EDITORIAL NOTE

Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines, or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.