In a world where gaming continues to take its evolutionary course, a credit card can very well be your power-up—more magical than any mythical sword, swiping costs out of your way.
Whether you prefer cash rewards that can be used toward new games or would just like to save a buck on the latest console, the right card makes all the difference.
Ready to level up? Here’s our guide to the best credit cards for gamers.
Top Cards for Gamers
1. Wells Fargo Active Cash® Card
- Rewards: Unlimited 2% cash rewards on all purchases.
- Sign-up Bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Annual Fee: $0.
- APR: 0% introductory APR on purchases for the first 15 billing cycles following the opening of your account and 0% introductory APR for the first 15 billing cycles following the opening of your account on balance transfers; after that, a variable APR will be 20.24%, 25.24%, or 29.99
Why We Like It: Simple card with a powerful 2% cash-back rate on purchases, this is one great way for gamers to further fuel their need for remaining active.
Great addition to your wallet, it will play well with others in order to make your rewards grow.
Drawbacks: Redemption options may be slightly less flexible if you’re not a Wells Fargo customer.
2. Bank of America® Customized Cash Rewards Credit Card
- Rewards: 3% cash back on a category of your choice (including online shopping) and 2% cash back at grocery stores and wholesale clubs on combined spending of up to $2,500 in each quarter; 1% cash back on other purchases.
- Sign-up Bonus: $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days.
- Annual Fee: $0.
- APR: 0% intro APR on Purchases for 15 billing cycles and Balance Transfers for 15 billing cycles, then a variable APR of 18.24% – 28.24%.
Why We Like It: What makes the card rather appealing is that it lets one choose among the highest-earning rewards categories, which makes it an excellent pick for any gamer spending money on online purchases.
Throw in a signup bonus and introductory APR for good measure.
Drawbacks: Watch out for spending caps, and redemptions are limited if you’re not a Bank of America® customer.
3. U.S. Bank Cash+® Visa Signature® Card
- Rewards: 5% cash back on the first $2,000 in combined eligible net purchases each quarter in two chosen categories; 2% back in one “everyday” category; 1% back on other eligible net purchases.
- Sign-up Bonus: $200 bonus after spending $1,000 in eligible purchases within the first 120 days.
- Annual Fee: $0. APR: 0% intro APR on purchases and balance transfers for 15 billing cycles, then an APR of 19.49% – 29.74% Variable.
Why We Like It: Best for customers of one of the best Internet services or wireless service providers, this card adds valuable rewards onto electronic store purchases for you to level up your gaming toolkit.
Drawbacks: Quarterly spending caps and category management can be cumbersome
4. U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- NerdWallet Exclusive Rewards: 6% cash back on the first $1,500 in combined eligible purchases each quarter at two chosen retailers. 3% cash back on the first $1,500 in eligible purchases each quarter in one everyday category. 1.5% cash back on other eligible purchases.
- Sign-up Bonus: $250 bonus after spending $2,000 in eligible purchases within the first 120 days.
- Annual Fee: $0 intro for the first year, then $95. APR: 19.74%-29.74% Variable APR.
Why We Like It: Provides high reward rates on gaming-related spending with quarterly changing options.
Eligible retailers include some of the most popular, with those taking part in the program such as Walmart, Target, and Best Buy.
Drawbacks: To maximize value, you’ll need to spend a significant amount annually.
5. Prime Visa (Amazon Prime Rewards Visa Signature Card)
- Rewards: 5% back at Amazon.com and Whole Foods Market, 2% back on restaurants and gas stations, 2% back on local transit and commuting, 1% on other purchases.
- Sign-up Bonus: Get a $100 Amazon Gift Card upon approval exclusively for Prime members.
- Annual Fee: $0. APR: 19.49%-27.49% Variable APR.
Why We Like It: Whether purchasing games, consoles, or many other gaming must-haves, driven by strong rewards towards Prime member Amazon purchases, this card gets the most for your money.
Exclusive rewards include free in-game items and a free Twitch.tv subscription.
Drawbacks: No 0% intro APR and requires an Amazon Prime membership
6. Target REDcard™ Credit Card
- Rewards: 5% discount on all eligible Target purchases.
- Sign-up Bonus: N/A
- Annual Fee: $0.
- APR: 29.95% Variable.
Why We Like It: This card is a Target-fanatic must-have and provides a 5% discount on all purchases, including gaming merchandise, electronics, and accessories.
It’s a simple way to save money on games, electronics, and extras.
Drawbacks: Limited to Target purchases, and no reward accumulation for future use.
7. Capital One® Walmart Rewards™ Mastercard®
- Rewards: 5% back on your purchases through the Walmart App and Walmart.com; 2% back at their stores; 2% back at travel and restaurants; and 1% back for other purchases.
- Annual Fee: $0.
Why We Like It: This card is a wonderful addition for anyone who loves shopping at Walmart.com, because the card offers an extremely generous 5% cash back on purchases to include gaming gear.
Statement credit, travel, and gift cards are among the redemption options available.
Drawbacks: Complex rewards structure with varying categories.
8. PlayStation Visa Credit Card
- Rewards: 5x points for every dollar spent on PlayStation and Sony products, 3x points for every dollar payment on cable and internet bills, 2x points for every dollar spent in restaurants, and 1 point for every dollar spent on other purchase categories.
- Sign-up Bonus: Earn a $50 PlayStation store code on the first purchase within 60 days.
- Annual Fee: $0.
Why We Like It: Maximizing the rewards for die-hard PlayStation fans, it is the highest reward point of the reward card on every PlayStation and Sony purchase to help mitigate bigger game purchases.
Drawbacks: Low point values, limited redemption options, and a higher APR.
9. Best Buy Credit Cards
- Rewards: 5% back on all purchases at Best Buy. Sign-up Bonus: Receive a total 10% back in Best Buy points on the first day of purchases upon approval.
- Annual Fee: $0-$59, depending on the card.
- APR: 29.99% Variable.
Why We Like It: A card that caters to some of the biggest Best Buy shoppers out there, this rewards card is for gaming purchases, and financing might be the aim.
Drawbacks: Limited control over the version of the card received, and some versions have an annual fee.
10. Xbox Mastercard
- Rewards: 5 points on every dollar spent for eligible games and Microsoft Store purchases, 3 points on every dollar spent on qualifying delivery and streaming services, and 1 point on each dollar spent elsewhere for eligible purchases.
- Sign-up Bonus: Receive 5,000 points after the first purchase.
- Annual Fee: $0.
- APR: 31.99% Variable.
Why We Like It: A great perk for Xbox gamers, it offers added rewards on purchases at the Microsoft Store and while ordering food delivery services.
Drawbacks: Points can only be redeemed for games and add-ons, limiting redemption options.
Absolutely, it is of the essence to pick out a credit card that will avail one an outstanding gaming experience.
In other words, you are likely to be a hardcore fan of Amazon or an enthusiastic fan of Target, or be a devotee for PlayStation or Xbox, and there is that credit card which will be in line with all your game preferences.
Level up your financial game with these top credit card picks for gamers.