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PlayStation® Card review

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 670 to 850 recommended.
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Points as welcome offer

Up to 5x



Annual fee


Intro purchase APR

for the first 6 months (then 15.74%, 18.74%, 21.74% or 24.99% variable)


Annual fee$0
Welcome offerEarn an additional 5x points when you shop directly at PlayStation. This is on top of the 5x you already earn on PlayStation products, totaling 10x points.
Rewards5x on PlayStation purchases, 3x on mobile bills and 1x on all other purchases
Purchase APR0% intro for the first 6 months (then 15.74%, 18.74%, 21.74% or 24.99% variable)
Balance transfer APR15.74%, 18.74%, 21.74% or 24.99% variable
Minimum credit score670

Review by

Kevin Joey Chen was a credit cards, banking and investments writer for Finder. His work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and

Expert review

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 1x points, and you’ll earn 3x points on all PlayStation and Sony purchases at authorized retailers.

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 2aPlaystation 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.

Compare PlayStation® Card with two rewards cards

PlayStation® Card

Blue Cash Everyday® Card from American Express


Finder rating 4.6 / 5

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Minimum credit score


Minimum credit score


Annual fee


Annual fee


Purchase APR

0% intro

Purchase APR

0% intro

Balance transfer APR

15.74%, 18.74%, 21.74% or 24.99% variable

Balance transfer APR

0% intro for the first 15 months (then 18.49% to 29.49% variable) Either $5 or 3% of the amount of each transfer, whichever is greater.


Up to 5x points


Up to 3% cash back

Welcome offer

Earn an additional 5x points when you shop directly at PlayStation. This is on top of the 5x you already earn on PlayStation products, totaling 10x points.

Welcome offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months.

The perks

  • 0% intro APR. The current intro offer includes no interest on purchases through 0%.
  • 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 1x 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 5x 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 $38 or more.

What credit score do I need?

You’ll have a better chance of approval if your credit score is 670 or higher.

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

Where can I use the PlayStation Card?
Use it anywhere that Visa is accepted.

What bank is behind the PlayStation Card?
Capital One issues the PlayStation® Card.

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    Default Gravatar
    February 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?

      Default Gravatar
      March 7, 2018

      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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