Sony Card from Capital One

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Sony loyalists could profit from having this card in their wallets.

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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Gamers, media hounds and techies have something to sing about with the Sony Card from Capital One. Its generous point structure allows cardholders to earn up to 5 Sony Rewards points per dollar on Sony purchases at authorized retailers, including Sony’s own marketplace. You’ll also earn 5 points per dollar on select entertainment purchases, including digital streaming and subscription services, concert and sporting events, music and video downloads and movie and theater tickets.

If you’re planning to make a big electronics purchase, like a Sony 4k Ultra HD television, then this card will save you money. Until May 2018, there’s a 0% introductory APR on purchases, so you can carry a balance and still rack up the points. After the intro offer expires, the variable APR is 14.99% to 24.99%.

Review

The Sony Card from Capital One targets entertainment enthusiasts who spend money on games, movies, music and new tech. The big value here is the points you can earn on Sony products, an impressive 5 points per dollar. This includes everything from Sony video games to home entertainment.

You can also snag 5 points per dollar for music and video downloads, movie theater purchases and movie rentals, as well as digital streaming and subscription services. By linking your Sony card to various accounts, such as Netflix and Amazon, subscribers will accumulate points for dollars they would’ve spent anyway. All other purchases earn 1 point per dollar.

If you shop at the Sony Rewards Marketplace, you will find some other points-earning opportunities, including a stellar 8 points per dollar when you buy Columbia Sportswear products, 4x the points at Foot Locker and 5x the points at Textbooks.com.

Until May 2018, you won’t have to pay any interest, making it a smart option for people who plan to carry a balance. Plus, new cardholders also will get a freebie after making their first purchase on the card: a $50 statement credit after your first card purchase within 90 days of account opening.

Who should get this card

Tailor-made for entertainment and tech consumers, the Sony Card from Capital One is one of the best cards for rewarding these types of purchases.

For people who don’t spend much on tech and entertainment, there are many other rewards cards out there that offer more flexible ways to earn points, such as the popular Chase Sapphire Preferred Card.

Advantages
  • Pay no interest until May 2018.
  • Get a $50 statement credit just for using your card one time.
  • This card does not have an annual fee.
  • Points don’t expire for five years.
Disadvantages
  • The biggest point-earners are limited to Sony products.
  • You must redeem points through the Sony Marketplace.
  • Getting eligible points is not always an automatic process, in some instances you might have to scan bar codes or provide other proof before the points are issued.

Fees and APR

  • There is no annual fee.
  • You’ll pay no foreign transaction fee on purchases made outside the U.S.
  • Until May 2018, new cardholders will get a 0% intro APR. After that, the APR falls between 14.99% and 24.99%, depending on your creditworthiness.
  • The cash advance fee is either $10 or 3% of the amount of each cash advance, whichever is greater.

Extras, perks and using points

 

You can use your rewards points to bid on exclusive concerts and other special events.

Earn more points on various products through the Sony Marketplace, including 8x the points for Columbia Sportswear purchases.

How this card compares

Card Details
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed Good
Regular APR 15.99% - 24.74% Variable
Annual Fee $0
Purchase Intro APR 0% for 15 months
Balance Transfers Intro APR 0% for 15 months

The Chase Freedom card is fee-free and offers rotating bonus categories that pay 5% back, with a cap of $1,500 in each category and an unlimited 1% back on everything else. You also have to sign-up each quarter to get the bonus. An advantage of this card over Discover’s rotating bonus category cash-back cards it’s a Visa, which is more widely accepted than the Discover card.

Blue Cash Everyday® Card from American Express
Card Details
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees
Credit Needed Excellent
Regular APR 13.99%-24.99% Variable
Annual Fee $0
Purchase Intro APR 0% on Purchases for 15 months
Balance Transfers Intro APR 0% on Balance Transfers for 15 months

Depending on your spending habits, the no-annual-fee Blue Cash Everyday Card from American Express may ultimately give you better cash-back earnings with a rate of 3% at supermarkets, 2% at gas stations and select department stores and 1% on all other spending.

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

If you’re looking to earn maximum rewards back on your everyday shopping, you may want to consider the Amazon Prime Rewards Visa Signature Card. The card is free with a $99 Amazon Prime membership and the card pays 5% back on all Amazon.com purchases. Depending on how you spend, this card may result in greater net earnings for you.

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.