Comenity PlayStation® Visa® Credit Card Review
PlayStation® Visa® from Comenity Bank — all information about the credit card.
Good Choose for Gamers
- Rewards Rate:
- 5x Points on PlayStation or Sony purchases.
- 3x Points on internet and cable bills.
- 2x Points on restaurants (including takeout, fast food and delivery).
- 1x Points on all other purchases.
- Intro Offer:
- $50 PlayStation Store Code when you make your first purchase with the PlayStation® Visa® Credit Card within 60 days of account opening.
- Annual Fee:$0
- Purchase Intro APR:None
- Regular APR:19.24% - 27.99% Variable
- Balance Transfer APR:26.99%
We recommend more cards
Comenity Bank PlayStation® Visa® Rewards Calculator
All benefits
- Points
- 5x On PlayStation or Sony purchases.
- 3x On internet and cable bills.
- 2x On restaurants (including takeout, fast food and delivery).
- 1x On all other purchases.
Rate and fee information
- Purchase Intro APR
- None
- Purchase APR
- 19.24% - 27.99% Variable
- Intro Balance Transfer APR
- None
- Balance Transfers APR
- 26.99%
- APR for Cash Advances
- 28.99% Variable
- How to Avoid Paying Interest
- Your due date is at least 25 days after the close of each billing period. You will not be charged interest on purchases if you pay your entire balance by the due date each month. If you do not, you will not get a grace period on purchases again until you pay the entire balance by the due date for two billing periods in a row. You will be charged interest on balance transfers and cash advances on the transaction date.
Fees
- Annual Fee
- $0
- Fees for Balance Transfer
- Either $10 or 5% of the amount of each transfer, whichever is greater
- Fees for Cash Advances
- Either $10 or 5% of the amount of each cash advance, whichever is greater
- Return Payment
- Up to $41
- Late Payment
- Up to $41
Pros & Cons
- No Annual Fee
- Welcome bonus
- Tiered rewards system
- Foreign Transaction Fee
- Limited benefits
- Need a credit score of 700+
Features
- No Annual Fee
- Fraud Protection
- Rewards
- Bonus points
- Purchase Protection
- Excellent Credit
About the issuer
Compare with other cards
- NoneAnnual Fee
- 18.49% - 24.49%Regular APR
- 5%Cash Back on hotels and rental cars booked through Capital One Travel.
- NonePurchase Intro APR
- NoneAnnual Fee
- NoneRegular APR
- 2x - 7x:Points on restaurants.
- NonePurchase Intro APR
- NoneAnnual Fee
- 19.99% - 29.99%Regular APR
- 10%Cash Back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024.
- NonePurchase Intro APR
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Comenity Bank PlayStation® Visa® Credit Card Review
The Comenity Bank PlayStation® Visa® Credit Card was designed for gamers. This Card will be a good choice for those who want to earn rewards on game purchases. With no annual fee and a fantastic welcome bonus, the PlayStation® Visa® Card is a no-brainer for avid gamers. Enjoy redeeming your points for once-in-a-lifetime experiences, gift cards, and more.
Comenity Bank PlayStation® Visa® Credit Card: pros and cons
| Pros: | Cons: |
|---|---|
| No annual fee. Enjoy using your card each year without paying anything additional. | Foreign Transaction Fees. 3% of each transaction in US dollars. |
| Welcome bonus. Earn a free $75 game when you spend $500 on purchases outside PlayStation and Sony within 60 days of account opening. Earn a $50 PlayStation Store Code when you make your first purchase with your card within 60 days of account opening. | Limited benefits. This Card does not have any frills, which means there are relatively limited benefits compared to other cards on the market. |
| Low Variable APR. Depending on creditworthiness, your variable APR will be from 19.24% - 27.99%. | Need a credit score of 700+. Although this is not a set-in-stone rule, your approval odds are much greater if you have a good or excellent credit score. |
| Tiered rewards system. You get 5 points per dollar spent on PlayStation and Sony Products, which can quickly lead to fantastic reward |
Rewards system in a nutshell
Enjoy a tiered earning system and rewards program, with the highest categories from shopping at PlayStation:
- Earn 5X points on purchases directly from PlayStation, including games, consoles, accessories, subscriptions, and more;
- Earn 5X points on purchases of PlayStation and Sony products at PlayStation Store and at authorized retailers with purchase confirmation;
- Earn 3X points on your cable and internet bill payments;
- Earn 2X points at restaurants, including dine-in, takeout and delivery;
- Earn 1 point for every $1 spent on all other purchases.
When you redeem your points to earn rewards, you can score VIP experiences, bid on one-of-a-kind bundles, get the latest games and gear, purchase the latest tech, or receive PlayStation Store codes. So many credit cards on the market right now are tailored to travel or general shopping, so seeing a more niche credit card is excellent.
Who can benefit from getting the Comenity Bank PlayStation® Visa® Credit Card?
This Card is designed for gamers and PlayStation fanatics. However, we think it does a great job of going beyond just gaming to include rewards for cable and internet bills and restaurants. It is relatively uncommon to see a credit card spend 3 points per dollar on cable and internet bills, but it makes sense as it is a technology-focused card. Although any gamer could benefit from this card, we think it is best for newer gamers looking to stock up on equipment and games. If your inventory is relatively low right now, using your card to buy consoles and games could give you a pretty hefty point balance that you can use on future purchases.
This Card is not for consolidating debt through a balance transfer. The balance transfer APR is 26.99% and has a 5% fee attached, with no welcome offer to offset it. You would likely accumulate more interest by transferring balances to this card. However, there are plenty of other cards that can satisfy this need. Generally speaking, you should have multiple cards in your wallet to maximize rewards, earnings, and benefits in all spending categories.
Are there any other benefits?
This card does not have a ton of add-ons to it, so the focus can stay on what the card does best.
- Select your card design – This unique option lets you choose between six different card designs with select game images to recognize your favorite game each time you swipe.
- Shop instantly using a virtual card – Once approved, you do not have to wait for your physical card to come in the mail. Shop instantly using your virtual card and start earning.
- Enjoy tap to pay – Your PlayStation® Visa® Card can be added to your virtual wallet through Google Pay, Apple Pay, and Samsung Pay. You can also tap your card for secure and easy checkout.
Conclusion
PlayStation lovers need to apply for the Comenity Bank PlayStation® Visa® Credit Card. There is no annual fee, the variable APR is lower than some other cards on the market right now, and there are special award categories that let you earn the most for your PlayStation purchases. Remember that cardholders do not get a lot of extra perks as it is mainly gaming-focused. But, if you’re in the market for a new PS4 or want to use PSN points as payment at the Sony Store, fill out the credit card application today. Just make sure you meet the bonus, and you can get your free game.
FAQ
What is the customer service phone number for the Comenity Bank PlayStation® Visa® Credit Card?
How to check my application status for the Comenity Bank PlayStation® Visa® Credit Card?
How do I link my Comenity Bank PlayStation® Visa® Card to Sony rewards?
- NoneAnnual Fee
- 19.48% - 29.99%Regular APR
- 5%Cash Back at Walmart.com, including pickup and delivery.
- NonePurchase Intro APR