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PlayStation® Card review

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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 670 to 850 recommended.


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)


Product NamePlayStation® Card
Card typeVisa
Annual fee$0
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
Balance transfer fee3%
Cash advance rate24.74% variable
Cash advance fee$10 or 3% of the cash advance amount, whichever is greater
Interest free periodUp to 25 days
Late payment feeUp to $38
Additional cardholder fee$0

Expert review

Adrienne Fuller

Review by

Adrienne Fuller is the head of publishing at Finder US. With a decade of experience creating guides in finance and education, she aims to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. For the past 3 years she has been the publisher of money transfers, helping readers save when they send money all over the globe. She has a BA from Colorado College and loves to hike with her two Catahoula dogs around her home in San Diego.

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 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.

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.

Compare credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.99% to 23.99% variable)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
20% at up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at up to $200 back in the first 6 months. Rates & fees
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Diamond Preferred® Card
0% intro for the first 18 months (then 14.74% to 24.74% variable)
An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.

Compare up to 4 providers

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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    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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