PlayStation® Card from Capital One

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Good to Excellent (670 - 850)

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Annual Fee:
Purchase Intro APR:
0% intro on purchases for 6 months
Regular APR:
13.99%–22.74% Variable
Terms and Restrictions Apply | Rates and Fees

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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.


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.

  • 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.
  • 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 September 2018. After that, it’s a variable 15.49% 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.