Xbox Mastercard
The Xbox Mastercard from Barclays earns up to 3% effective value on other in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Apply now and, after your first purchase, earn a bonus of 6,000 card points ($60 value), 3 months of Game Pass Ultimate for new members, and more.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Other
- Effective value
- 3%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Xbox Mastercard earn in each category?
Other is the strongest category at 3% effective value (3x points at about 1 cents each). That other rate ranks higher than about 85% of the 1,546 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Other is the strongest category at 3% effective value (3x points at about 1 cents each). That other rate ranks higher than about 85% of the 1,546 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 3x points | 3% Top category |
Madeen values XBOX points at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Xbox Mastercard reward caps and conditions?
The Xbox Mastercard has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 3x card points on eligible streaming services like Netflix® and Disney+®
Who should get the Xbox Mastercard?
The Xbox Mastercard fits spenders who put meaningful volume in other and can earn 3x points. Best for spenders who put meaningful volume in other and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Xbox Mastercard fits spenders who put meaningful volume in other and can earn 3x points. Madeen ranks its other effective rate higher than about 85% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in other and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend.
Best for other-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is other at about 3% effective (3x points).
- That other rate ranks higher than about 85% of cards we track in the category.
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
- XBOX points value depends on how you redeem, not straight cash back.
Does the Xbox Mastercard have an annual fee, and what's the welcome bonus?
The Xbox Mastercard has an annual fee of $0 and a foreign transaction fee of $3. New applicants may see: Apply now and, after your first purchase, earn a bonus of 6,000 card points ($60 value), 3 months of Game Pass Ultimate for new members, and more.. Confirm current issuer terms before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
- Signup bonus
- Apply now and, after your first purchase, earn a bonus of 6,000 card points ($60 value), 3 months of Game Pass Ultimate for new members, and more.
What benefits come with the Xbox Mastercard?
The Xbox Mastercard includes Free FICO® Score, Global emergency services, HealthLock in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Free FICO® Score
Free online access to cardmember’s FICO® Credit Score
- Global emergency servicesIncluded with Standard Mastercard
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with Standard Mastercard
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- InstacartIncluded with Standard Mastercard
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
- Mastercard ID Theft ProtectionIncluded with Standard Mastercard
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
- Mastercard Music and Entertainment Access benefitIncluded with Standard Mastercard
Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
- Mastercard Transit BenefitIncluded with Standard Mastercard
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
- Protection wherever you shopIncluded with Standard Mastercard
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Common questions about the Xbox Mastercard
Does the Xbox Mastercard have an annual fee?
The Xbox Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Xbox Mastercard?
Other is the strongest Madeen category for the Xbox Mastercard at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Xbox Mastercard charge foreign transaction fees?
The Xbox Mastercard charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Xbox Mastercard welcome bonus?
The Xbox Mastercard welcome offer in our snapshot: Apply now and, after your first purchase, earn a bonus of 6,000 card points ($60 value), 3 months of Game Pass Ultimate for new members, and more.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Xbox Mastercard?
Madeen's catalog lists a typical credit range of Good for the Xbox Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Xbox Mastercard?
Rewards on the Xbox Mastercard post as XBOX points. Redemption value depends on how you use XBOX points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Xbox Mastercard compare to similar cards?
Compare the Xbox Mastercard against Wyndham Rewards Earner Business (7.2% on Gas, $95 fee); Wyndham Rewards Earner Plus (5.4% on Gas, $75 fee); Wyndham Rewards Earner (4.5% on Gas, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Xbox Mastercard This card | Other | 3% | $0 |
Barclays | Gas | 7.2% | $95 |
Barclays | Gas | 5.4% | $75 |
Barclays | Gas | 4.5% | $0 |
| Dining | 3.6% | $99 |
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