Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
Apply now
On Capital One‘s site

Best Credit Card for Gamers of December 2022

Compare 8 credit cards for gamers on Myfin.us.

By Myfin Team
Reviewed by Anastasia Staples
Updated December 08, 2022

Best Credit Cards for Gamers in December 2022

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Capital One SavorOne Cash Rewards Credit Card best for Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use

SavorOne Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.36
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash bonus once you spend $500 on purchases within the first 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One SavorOne Rewards Credit Card offers 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

    The SavorOne Rewards Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 months on purchases and balance transfers. After that, the variable APR is 17.99% - 27.99%. The card has a balance transfer fee of 3%.

  • Pros:
    • High rewards rates on dining, entertainment, and grocery stores
    • One-time bonus
    • Introductory 0% APR on purchases
    • No annual fee
    • No foreign transaction fees
  • Cons:
    • No rewards for travel purchases
    • Excellent credit score needed
  • Benefits:
    • $200 cash bonus (once you spend $500 on purchases within the first 3 months from account opening);
    • 1% Cash Back on all other purchases;
    • No Foreign Transaction Fees;
    • Complimentary Concierge Service;
    • Extended Warranty;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services.
View all SavorOne details
Apply now
On Capital One‘s site
Card detail

Capital One Walmart Rewards® Mastercard® best for Walmart purchases

Capital One Walmart Rewards®
Annual fee:
$0
Regular APR:
17.99% - 27.74% Variable
Our Rating:
4.12
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 5% Cash Back at Walmart.com, including pickup and delivery.
    • 2% Cash Back in Walmart stores, at restaurants and on travel.
    • 1% Everywhere else Mastercard® is accepted.
  • Intro Offer:
    • 5% Cash Back in Walmart stores for the first 12 months after approval when you use your Card with Walmart Pay.
  • Balance Transfer APR:
    17.99% - 27.74% Variable
  • Issuer name:
    Capital One
  • Details:

    The Walmart Rewards® is a card for people who regularly shop at Walmart.

    The Card's APR: 17.99% – 27.74% (Variable). The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    The Walmart Rewards® Card earns 5% Cash Back on in-store purchases for the first 12 months when using Walmart Pay. The card offers 5% Cash Back at Walmart.com, including pickup & delivery; 2% Cash Back in Walmart stores, at restaurants and on travel; 1% Cash Back everywhere else Mastercard is accepted.

    The Walmart Rewards® Card charges no annual fee and no foreign transaction fee.

  • Pros:
    • No annual fee
    • No foreign transaction fee
  • Cons:
    • No 0% intro APR period
  • Benefits:
    • 5% Cash Back in Walmart stores (for the first 12 months);
    • 5% Cash Back at Walmart.com;
    • 2% Cash Back in Walmart stores, at restaurants and on travel;
    • 1% Cash Back on all other purchases;
    • $0 Fraud Liability.
View all Walmart Rewards® details
Apply now
On Capital One‘s site
Card detail

Chase Amazon Prime Rewards Visa Signature best for Metal

Amazon Prime Rewards Visa Signature Chase
Annual fee:
$0
Regular APR:
17.99% - 25.99% Variable
Our Rating:
4.6
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back at Amazon.com and Whole Foods Market with an eligible Prime membership.
    • 2% Cash Back at restaurants, gas stations and drugstores.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $150 Amazon Gift Card instantly upon approval.
  • Balance Transfer APR:
    17.99% - 25.99% Variable
  • Issuer name:
    Chase
  • Details:

    The Amazon Prime Rewards card is the premium Amazon credit card, available only to Amazon Prime members. It offers a strong 5% Cash Back on Amazon purchases and Whole Foods purchases with no limit to how much Cash Back you can earn. You'll also earn 2% back at restaurants, gas stations and drugstores.1% back on all other purchases. Plus, get a $150 Amazon.com Gift Card upon approval.

    The ongoing APR is 17.99% - 25.99% (Variable).

    In addition to the strong cash back rate, rewards are simple to redeem. You can use your Cash Back as a statement credit, direct deposit and for Amazon purchases.

    The Amazon Prime Rewards Visa is a Visa Signature card, which means it offers a strong set of travel-related benefits, especially when you consider that there’s no additional annual fee other than paying for Prime Membership.

    The auto rental collision damage waiver benefit could save you hundreds on a car rental by allowing you to decline the pricey extra coverage offered by car rental companies. You can also get lost luggage reimbursement and delay insurance by booking transport through the Amazon card’s Visa Signature card benefits. In addition, the Amazon Prime Rewards Visa doesn’t charge a foreign transaction fee.

  • Pros:
    • Great rewards in several categories
    • No annual fee or foreign transaction fees
    • No minimum redemption amount
  • Cons:
    • No intro APR offer
    • Extra Fees
  • Benefits:
    • 5% back on Amazon.com and Whole Foods purchases;
    • 2% back on restaurant, gas station and drug store purchases;
    • 1% back on other purchases;
    • $150 Amazon.com gift card;
    • Extended warranty protection;
    • Travel and emergency assistance;
    • Auto Rental Collision Damage Waiver;
    • Lost luggage reimbursement;
    • Baggage delay insurance;
    • Roadside dispatch.
Card detail

Comenity Bank PlayStation® Visa® best for Gamers

PlayStation® Visa® Comenity Bank
Annual fee:
$0
Regular APR:
15.49% - 24.24% Variable
Our Rating:
4.02
scorer
Credit score
Excellent (740-799)
  • 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.
  • Balance Transfer APR:
    26.99%
  • Issuer name:
    Comenity Bank
  • Details:

    The PlayStation® Visa® Credit Card earn 5x points on PlayStation or Sony purchases, 3x points on internet and cable bills, 2x points on restaurants (including takeout, fast food and delivery) and 1x point on all other purchases. Plus, earn a $50 PlayStation Store Code when you make your first purchase with the PlayStation® Visa® Credit Card within 60 days of account opening.

    The Card's APR: 15.49% - 24.24% Variable.

  • Pros:
    • No Annual Fee
    • Rewards for gamers
  • Cons:
    • Foreign Transaction Fee
    • Extra Fees
  • Benefits:
    • $50 PlayStation™ Store Code;
    • 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.
Card detail

Citi My Best Buy® Visa® best for Gamers

My Best Buy® Visa® Citi
Annual fee:
$0
Regular APR:
29.24% Variable
Our Rating:
2.25
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back in rewards at Best Buy (6% back in Rewards for Elite Plus Cardmembers).
    • 3% Cash Back on gas purchases.
    • 2% Cash Back on grocery, dining and takeout purchases.
    • 1% Cash Back on everyday purchases.
  • Issuer name:
    Citi
  • Details:

    The Best Buy® Visa® Credit Card is a store card.

    The Best Buy® Visa® Credit Card earns 5% Cash Back on all purchases at Best Buy and 5% Cash Back in rewards on your first day of purchases made on the credit card within 14 days of account opening (an additional 5% back in rewards, for a total of 10%). Plus, the Card offers 3% Cash Back on gas purchases, 2% Cash Back on dining and grocery purchases and 1% back on all other purchases.

    The Card’s variable APR is 29.24%.

    The Best Buy® Visa® Credit Card has no annual fee.

  • Pros:
    • Rewards on Best Buy purchases
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • High APR
  • Benefits:
    • Up to 10% back in rewards (Best Buy purchases);
    • 3% back on gas purchases;
    • 2% back on dining and grocery purchases;
    • 1% back on all other purchase.
Card detail

TD Bank Target REDcard™ best for Groceries

Target REDcard™ TD Bank
Annual fee:
$0
Regular APR:
25.15% Variable
Our Rating:
2.46
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on purchases at Target and Target.com.
  • Issuer name:
    TD Bank
  • Details:

    For those who shop for everything at Target — food, clothes, household essentials — the perks on the Target REDcard™ Credit Card hit the bull's-eye.

    The $0-annual-fee card gets you a 5% discount on all purchases, which means you don’t have to wait to redeem rewards; you’ll get savings right at checkout.

    Because the Target REDcard™ Credit Card carries high ongoing interest rates, it’s not a good fit for folks who are planning to spend time, well, in the red. But for those who pay their bills in full every month and are looking for some extra savings, it’s worth getting.

  • Pros:
    • High discount on Purchase of eligible items
    • Two-day free shipping on selected items
    • Extended time for returns and exchanges
    • 5% discount at several other places
  • Cons:
    • Limited acceptance
    • High APR
    • Certain products are excluded from discount
    • High Penalty Fees
  • Benefits:
    • 5% REDcard™ discount program rules;
    • REDcard™ extended returns program rules;
    • $50 off for new RedCard holders;
    • 0% discount coupon each year on your card anniversary.
Card detail

Wells Fargo Active Cash℠ best for Gamers

Active Cash℠ Wells Fargo
Annual fee:
$0
Regular APR:
14.99% - 24.99% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash rewards on purchases.
  • Intro Offer:
    • $200 Earn a $200 cash rewards bonus when you spend $1,000 in purchases in the first 3 months.
  • Purchase Intro APR:
    0% Introductory APR for 15 months from date of account opening
  • Balance Transfer APR:
    14.99% - 24.99% Variable
  • Issuer name:
    Wells Fargo
  • Details:

    Wells Fargo Active Cash℠ Card offers a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months. Plus, earn unlimited 2% cash rewards on purchases.

    Wells Fargo Active Cash℠ Card offers a 0% intro APR period (for 15 months from account opening on purchases and balance transfers), then a 14.99% to 24.99% (Variable APR). Balance transfers made within 120 days from account opening qualify for the intro rate and fee. Plus, the card has no annual fee.

    Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).

    Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases and balance transfer
  • Cons:
    • Foreign Transaction Fee
    • Extra Fees
  • Benefits:
    • Unlimited 2% cash rewards on purchases;
    • $200 cash rewards bonus;
    • Zero liability protection;
    • Concierge service 24/7;
    • Cell phone protection;
    • Luxury Hotel Collection.
Card detail

Citi Double Cash best for Cash Back, No Annual Fee, Daily use

Double Cash Citi
Annual fee:
$0
Regular APR:
17.74% - 27.74% Variable
Our Rating:
4.55
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
  • Intro Offer:
    • $200 Cash Back after spending $1,500 on purchases in the first 6 months of account opening.
  • Balance Transfer APR:
    17.74% - 27.74% Variable
  • Issuer name:
    Citi
  • Details:

    The Citi® Double Cash Credit Card offers a few concrete ways in which you can better your financial situation, improve your credit card habits and enjoy cash back rewards without the fuss of tracking rotating categories.

    Earn 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases. For a limited time earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

    The Citi® Double Cash offers a 0% percent (for 18-months) introductory APR offer on balance transfers (17.74 percent to 27.74 percent variable APR after).

    The Citi Double Cash extends a myriad of security and fraud protections.

  • Pros:
    • Flat-rate Cash Back Rewards on Everything
    • High Rewards Rate
    • No annual fee
    • Attractive Intro APR on Balance Transfers
  • Cons:
    • Losing your 1% Cash-Back Is Pretty Easy
    • Foreign transaction fee
    • Balance Transfer Fee
  • Benefits:
    • Citi Entertainment;
    • 2% Cash Back on every purchase;
    • Fraud Protection;
    • The Lost Wallet Service;
    • $0 Liability for Unauthorized Charges.
Card detail

Best Credit Cards for Gamers

A gaming credit card with rewards features allows you to capitalize on your love for video games by letting you earn while you spend.

Typically a rewards credit card can either let you earn a percentage of your purchase — in the form of "cash back" — or accrue points every time you buy that can be redeemed for various items.

Ultimately, a gaming credit card makes it possible for you to easily use your rewards or points for gaming purchases, like games themselves or electronics.

Short Review of Best Credit Cards for Gamers

Card Name Annual fee Regular APR Rewards
Capital One SavorOne Cash Rewards Credit Card $0 17.99% - 27.99% 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
Capital One Walmart Rewards® Mastercard® $0 17.99% - 27.74% 5% Cash Back at Walmart.com, including pickup and delivery.
Chase Amazon Prime Rewards Visa Signature $0 17.99% - 25.99% 5% Cash Back at Amazon.com and Whole Foods Market with an eligible Prime membership.
Comenity Bank PlayStation® Visa® $0 15.49% - 24.24% 5x Points on PlayStation or Sony purchases.
Citi My Best Buy® Visa® $0 29.24% 5% Cash Back in rewards at Best Buy (6% back in Rewards for Elite Plus Cardmembers).
TD Bank Target REDcard™ $0 25.15% 5% Cash Back on purchases at Target and Target.com.
Wells Fargo Active Cash℠ $0 14.99% - 24.99% 2% Cash rewards on purchases.
Citi Double Cash $0 17.74% - 27.74% 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.

Who should apply

Capital One SavorOne Cash Rewards Credit Card

Do you frequently use streaming services like Netflix, Hulu, or Disney Plus? Then the Capital One SavorOne Cash Rewards Credit Card should be on your radar. This card offers unlimited 3% cash back for dining, streaming, grocery store, and entertainment purchases. And, if something doesn't fall into those categories, you can receive 1% cash back on all other purchases. This card has a $0 annual fee, offers a $200 cash bonus once you spend $500 within the first three months of the account opening, and has a 0% intro APR for 15 months (17.99% - 27.99% variable APR after that). While it isn't directly tied to a game store, if you frequently dine out, engage in entertainment activities like movies or concerts, or make eligible streaming purchases,this card is worth checking out.

Read more about Capital One SavorOne Cash Rewards Credit Card

Capital One Walmart Rewards® Mastercard®

Did you order your last console, video game, or gaming chair through Walmart.com? Then, the Capital One Walmart Rewards®​ Mastercard should be at the top of your list to consider. While Walmart is known as a grocery store, it can facilitate many gaming purchases. With this card, you can get 5% cash back for qualifying purchases you make on Walmart.com, 2% cash back for in-store Walmart purchases, restaurants and travel, and 1% cash back everywhere else Mastercard is accepted. You can redeem rewards for cash, have them go toward a purchase or travel, or put them on a gift card. There isn't an annual fee, but the card also doesn't have an 0% intro APR rate.

Read more about Capital One Walmart Rewards® Mastercard®

Chase Amazon Prime Rewards Visa Signature

If Amazon is where you do most of your shopping, then the Amazon Prime Rewards Visa Signature​ Card should be on your list to consider as a credit card for gamers. Each $1 in % reward is equal to 100 points. You earn 3% back for purchases at Amazon and Whole Foods Market, but if you have an eligible Amazon Prime account that has your card loaded onto it, then you can earn 5%. You can earn 2% back at qualifying restaurants, gas stations, and drugstores and 1% back on utilities, rideshares, and other purchases. You can redeem rewards for eligible purchases at Amazon.com, but points can also be redeemed for cash, travel, gift cards, and in a couple of other ways. There's also no foreign transaction fee or annual fee. This card can be a great addition to your wallet if you purchase games or game-related items through Amazon.

Read more about Chase Amazon Prime Rewards Visa Signature

Comenity Bank PlayStation® Visa®

Is Sony or Playstation your game store of choice? If so, the PlayStation® Visa® credit card may be the right video game credit card for you. First, if you open and spend $500 on non-Playstation or Sony items within 60 days of account opening, you can receive a free $75 game if enrolled in the Sony Rewards Program. The gaming credit card rewards perks don't stop there. When you use the PlayStation® Visa® credit card, you'll earn 5 points for every $1 you spend on Sony and Playstation store purchases or through authorized retailers. You'll earn 3 points for every $1 you spend on cable and internet bill payments and 2 points for every $1 you spend at restaurants. For all other purchases, rewards are 1 point for every $1 spent. Remember that earning will only be awarded if the purchase's merchant code matches the category eligible for the offer. This is a great credit card for gamers who spend a lot on Sony or PlayStation-related products. It allows you to earn on utilities like cable and the internet, something most gamers likely already spend money on.

Read more about Comenity Bank PlayStation® Visa®

Citi My Best Buy® Visa®

​Best Buy is a popular place to score electronics and video game-related items. Because of that, it should be in the running as one of the best credit cards for gamers. The My Best Buy® Visa®​ Credit Card offers 5% back rewards, which amounts to 2.5 points per every $1 spent on qualifying Best Buy purchases. You can increase your rewards if you sign up for an Elite Plus membership, as those enrolled in this program receive 6% rewards back (an additional .5 points) for every qualifying Best Buy purchase. The My Best Buy® Visa®​ Credit Card comes with the additional perk of offering 10% back in rewards (an extra 2.5 points for every $1 spent) for the first day of qualifying Best Buy purchases if you buy something within 14 days of account opening. You could also qualify for a $0 annual fee depending on creditworthiness. However, where this card shines is with its financing options. At the time of this writing, depending on your credit score, you could qualify for 0% APR financing on eligible purchases if you repay the balance in full within 24 months. This is a great deal if gaming-related expenses are on your radar.

Read more about Citi My Best Buy® Visa®

TD Bank Target REDcard™

The Target REDcard™ Mastercard can be an excellent gaming credit card, mainly if you buy a lot of your gaming supplies online at Target. Unlike the other cards on this list, the Target REDcard™ Mastercard offers a 5% discount on Target purchases in-store and online instead of offering rewards or points. You also are eligible for free shipping on most purchases, and you receive an additional 30 days for returns. The Target REDcard™ seems to be most beneficial if you make many eligible Target purchases throughout the month.

Read more about TD Bank Target REDcard™

Wells Fargo Active Cash℠

The Wells Fargo Active Cash℠​ Card is an ideal credit card for gamers, as it is one of the most flexible options on this list. Instead of picking one or two rewards categories, this card offers unlimited 2% cash rewards on purchases. Other perks include 0% intro APR on purchases and balance transfers for 15 months (14.99% - 24.99%​ variable APR thereafter) and a $0 annual fee. You can also earn a $200 cash rewards bonus if you spend $1,000 in the first three months of account opening. If you don't have a specific game store that you shop with and you desire more flexibility, this is a card to consider.

Read more about Wells Fargo Active Cash℠

How to choose the best credit card for gaming

Selecting the best credit card for gaming depends on factors like your credit score, the value you're seeking, and where and what you spend your money on.

Many top rewards cards require you to have a good or excellent credit score. So, if your score doesn't meet their requirements, you should spend some time building your credit — which can include ensuring bills are paid on time or clearing up any fraudulent details on your credit report — before applying for a gaming credit card.

Also, ask yourself if the cash back or rewards you're receiving are worth it. For example, the Target REDcard™ Mastercard only offers a discount on purchases, whereas the Capital One SavorOne card provides a maximum of 3% cash back in specific categories. Do the math to see what the best option is for you.

Lastly, you want to keep factors like monthly purchases and your preferred game store in mind. For example, if you don't shop at a particular store, getting a co-branded card like the Amazon Prime Rewards Visa Signature or the My Best Buy® Visa® Credit Card may not make sense.

Additionally, suppose you find that much of your monthly expenses go to grocery shopping or eating out. In that case, cards like the Capital One SavorOne Cash Rewards or Discover it® Cash Back offer the most bang for your buck.

Gaming credit card rewards

There are different types of gaming rewards credit cards out there. Here are a few examples of some you may run into:

  • Discounts: Some cards, like the Target REDcard™ Mastercard, allow you to receive discounts for purchases. If you buy many things from a specific retailer, this could be a decent option for you.
  • In-game purchases: Make a lot of in-game purchases? A card like the PlayStation® Visa® card provides purchase rewards for in-game spend, which is excellent if you are constantly getting gaming items as you play.
  • Cash back rates and rewards: Most cards offer either cash back as a percentage of your purchases, or points that you can collect and redeem for items through credit card companies or an authorized retailer.

The best card for you will depend on your spending and needs.

How can you save money on gaming using a credit card?

The primary ways that you can save money on gaming using a credit card include:

  1. Stick to the rewards categories you already spend in: Don't make purchases that you usually wouldn't. Look at where you frequently shop and find a card that aligns with what they already are.
  2. Avoid interest payments: Be sure to avoid interest by paying your statement balance before the monthly billing cycle is up. You can find out what your statement balance and payment due date are on your credit card's online portal or by calling your credit card issuer. Doing this will allow you to avoid any interest payments and potentially spending more money than you’ve intended.
  3. Use the points on gaming purchases: Many of the rewards credit cards either allow you to redeem rewards on certain items through their website or get cash back in the form of a check, statement credit, or gift card. You can put these earnings toward gaming items.

FAQ

What are other credit cards to consider?

If you want broader cash back options that can go toward gaming purchases, then the Citi Double Cash Card and the US bank Cash+™ Visa Signature® Card are honorable mentions as best credit cards for gamers.
The former allows you to earn 2% cash back on unlimited purchases: 1% when you buy something and 1% when you pay it off on the card. It also offers 0% intro APR for 18 months for balance transfers (17.74% - 27.74% variable APR after that). There’s also no annual fee.
The US bank Cash+™ Visa Signature® Card offers 5% cash back on purchases within two categories of your choosing (on your first $2,000 in combined purchases each quarter), 2% cash back in one everyday category like gas and items from grocery stores, and 1% on everything else.
The card also comes with a $0 annual fee and $200 in cash back rewards bonus if you spend $1,000 on eligible purchases in 120 days.
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