Sony 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.
Advertiser Disclosure: This post contains references to products from one or more of our advertising partners.
Editor’s note: This offer may have expired or no longer be available.
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 October 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 15.49% to 24.99%.
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 October 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.
Fees and APR
- There is no annual fee.
- You’ll pay no foreign transaction fee on purchases made outside the U.S.
- Until August 2018, new cardholders will get a 0% intro APR. After that, the APR falls between 15.49% 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
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.
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.
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.