Is the PlayStation® Card worth it? April 2018

Review: PlayStation® Card – April 2018

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Make of most of your PlayStation gaming with this no-fee card.

  • Get this card if… you’re an avid gamer on PlayStation and PS4.
  • Good to excellent credit score of 680 to 850 recommended.
Product NamePlayStation® Card
Balance Transfer Rate (not intro)14.99%, 17.99%, 20.99% or 24.99% variable
APR for Purchases ( Purchase Rate )14.99%, 17.99%, 20.99% or 24.99% variable
Annual fee$0
Cash Advance Rate23.99% variable
Card TypeVisa
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 25 days
Minimum Credit ScoreFair (660-699)
Minimum Age18 years of age
Annual fee$0
Late Payment Fee$35
Cash Advance Fee$10 or 3% of the amount of each cash advance, whichever is greater
Rewards ProgramCapital One
Rewards Points per $ spent (VISA/MC)5
Points ExpiryNever

The basics

How much do you spend money on PlayStation purchases? You don’t have to tell us, but if you’re an avid gamer, the PlayStation Card from Capital One could be for you. This card comes with a signup bonus of 5,000 points when you make a purchase within the first 90 days — that’s $50 to spend on new titles. PlayStation Store purchases come with 5x points, and you’ll earn 3x points on all PlayStation and Sony purchases at authorized retailers.

The perks

  • 0% intro APR. The current intro offer includes no interest on purchases through 03/2018 billing period.
  • Signup bonus. The PlayStation Card comes with 5,000 bonus points with any purchase made in the first 90 days from opening your account.
  • Earn points. Earn 5x points on all PlayStation Store purchases and 3x points on PlayStation and Sony purchases at authorized retailers. You’ll also get 3x points on purchases at movie theaters, at fast food restaurants and through your mobile phone bill. All other purchases earn 1x points.
  • Redeem points. Browse through a rewards catalog, or use your points to bid on exclusive cardmember offers.
  • No annual fee. Keep more money in your gaming coffers with no annual fee over the life of the card.

What to watch out for

  • End of intro APR. Confirm the end date for your intro APR offer to avoid a nasty surprise.
  • Penalties and fees. Late and returned payments can cost you $35 or more.

Consider other cards if …

  • You want a variety of redeeming options. You’re limited to using points on Sony purchases. But you’ll find other cards out there offer travel rewards, hotel perks and cash back.
  • You want an intro APR offer on balance transfers. If you’re looking to consolidate existing balances to one card, look into other cards that come with intro APR offers on transfers.

What to know before you apply

You can apply for PlayStation Card if:

  • You’re at least 18 years old.
  • You’re a resident of the US.

Always consider your options and your financial situation before you apply for a credit card.

What credit score do I need?

You’ll have a better chance of approval if your credit score is 680 or higher.

How to apply for the card

1. On the PlayStation Card website, click Apply Now.

Playstation credit card step 1

2. Provide all required information, including your personal information and financial details.

Playstation credit card step 2a

Playstation credit card step 2b

Playstation credit card step 2c

3. Confirm the details you’ve provided are correct and submit your application.

How long will it take to be approved?

An online system notifies you of conditional approval soon after submitting your application.

Bottom line

This card is best for the casual or hardcore gamer who spends a lot on PlayStation and other Sony purchases. But if you’re looking for a more flexible rewards card, you might want to pass it up.

Common questions about PlayStation Card

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2 Responses

  1. Default Gravatar
    RussellFebruary 23, 2018

    When I sign up for the card do I have to pay for it? Also do you have to pay anything while owning the card as in after “X” amount of months Do u have to renew/pay for it again?

    • Staff
      joelmarceloMarch 7, 2018Staff

      Hi Russell,

      Thanks for leaving a question on finder.

      This card does not have any sign up fees and it is also does not have any annual fees. As long as your PlayStation Card
      information is saved as a method of payment on your PlayStation Network Account and you meet all the eligibility criteria for the
      statement credit.

      Please see eligibility criteria:

      1. Ensure your PlayStation® Card account is linked to Sony Rewards account
      2. Link your Sony Rewards account to your PlayStationTMNetwork account
      3. Spend $3,000 on your PlayStation® Card within one year of the day your account was approved and
      4. Within 1 year of meeting the criteria above, use your PlayStation® Card as the method of payment for a 12-month
      PlayStation®Plus subscription from PlayStation™Store
      5. You must have an open PlayStation® Card account in good standing at the time the statement credit is applied to your account
      Once you have met the above criteria, Capital One will automatically apply 50% of the amount paid for your subscription service
      as a statement credit, within 1-2 billing cycles. Please note that any applicable sales tax is not included in the discount calculation.
      Account credits do not count toward minimum monthly payment.


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