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Capital One PlayStation Credit Card

Christine Krzyszton
Updated on: 01/08/2019
RE®: 89
Our Rating
PlayStation® Card
Сompare Points Cards
For excellent/good credit
  • 87
    for PlayStation Users
  • 88
    for Purchases
  • 92
    for Everyday use

"Earn big rewards and discounts on PlayStation and other Sony purchases."

Sony Interactive Entertainment, a subsidiary of Sony Corporation, offers the popular PlayStation gaming console. With the large number of gamers in the world, it only makes sense that a credit card would ultimately sport the PlayStation brand.

PlayStation enthusiasts are definitely the target customers for the PlayStation card issued by Capital One as earning and redemption options center on PlayStation and Sony products and services. With earnings of five points per dollar for PlayStation and Sony purchases, 10 percent statement credits for PlayStation Vue, Now and Music purchases, and an entertainment-centric rewards catalog, the avid PlayStation customer would surely benefit from having the card.

Because the PlayStation card is a Visa, it can be used just about anywhere, but purchases other than PlayStation and Sony earn just one point per dollar. One exception is paying your mobile phone bill, which will earn you three points per dollar.

While redemption choices are limited to the Sony Rewards Catalog, there are thousands of options any gamer would love. You’ll also get 0% introductory APR through your 12/2018 billing period, but high APRs of 15.49% to 24.99% Variable± kick in after that, penalizing the cardholder who carries a balance.

If you spend money on PlayStation products and services and pay off your card each month, you can benefit from holding this card. However, you would do well to supplement it with a good cashback card that offers more rewards for your non-Sony purchases.

Features and Benefits

Jumpstart your earnings with a $50 store credit after your first purchase. The earnings continue with a generous 5 points per dollar on your PlayStation and Sony purchases. With no annual fee, a 0% introductory APR period on your purchases and the opportunity to earn statement credits for PlayStation digital entertainment service purchases, there’s a lot of benefits for the PlayStation aficionado. Add the perks of the Sony Rewards Program with the elevated earning capability when spending on the PlayStation card and you’ll certainly reap the rewards of being a cardholder.

What You Get

  • 5,000 Sony Rewards bonus points after your first card purchase. That’s like $50 in Sony Rewards points.
  • 5X points on PlayStation® Store purchases.
  • 5X points on PlayStation® and Sony purchases at authorized retailers with purchase confirmation.
  • 3X points on your monthly mobile phone bill.
  • 1X points on all other purchases.
  • 50% back as a statement credit off a 12-month PlayStation®Plus Membership after you spend $3,000 on any purchases you make within a year.
  • 10% back as a statement credit off the following entertainment services: PlayStation™Vue, PlayStation Music, PlayStation™Now.
  • No annual fee.
  • 0% introductory APR through your 12/2018 billing period

You must join the Sony Rewards Program to start accumulating points. There is no limit on how many points you can earn and points expire five years after they are earned.

Special Financing

Although the PlayStation card does not offer a special installment plan for Sony purchases, it does offer an introductory 0% APR offer for any purchases. This APR is valid through your 12/2018 billing period. You’ll have to be diligent, make scheduled minimum payments and pay off your balance prior to the deadline or you will be charged the normal APR of 15.49% to 24.99% Variable±.

Customer Perks

You don’t have to be a PlayStation credit card holder to join the Sony Rewards Program, but your earnings will accelerate and your experience will be enhanced when you do have the card. Because cardholders earn 5 points per dollar spent on PlayStation and Sony, their rewards add up faster. The sooner you build up rewards points, the sooner you’ll be able to redeem your points on options from the gigantic Sony Rewards Catalog. Cardholders also receive advanced access to special music and entertainment events.

What is the Value of Sony Rewards Points

The value of the Sony Rewards points you earn on your PlayStation card is generally around 1 cent per point. Rewards Points can be redeemed through the Sony Rewards Program by selecting from thousands of options in the Sony Rewards catalog. The music section alone has over 4,000 titles.

Your rewards points will generally be worth 1 cent per point, but there are some redemption options, such as gift cards, where you may receive less value. While you might find some items on sale elsewhere, thus making the redemption through the catalog a poor proposition, the values are generally in line with what you’d find in a store.

Earned Points
12,000 points
$100 Bed Bath and Beyond Gift Card
Average CPP
Dollar Value
Earned Points
998 points
Searching for Sugarman Sound Track
Average CPP
Dollar Value
Earned Points
1,000 points
$10 PlayStation Credit
Average CPP
Dollar Value
Earned Points
5,999 points
Call of Duty WWII PlayStation Video Game
Average CPP
Dollar Value

What is CPP and How is it Calculated?

Cents Per Point (CPP) is a way to measure the value of points. It tells you how many cents you get for each point you redeem by dividing the cash price of the hotel room by the number of points of an equivalent award stay costs. This can be a somewhat subjective calculation because the price of the stay in both cash and points fluctuates by season and availability.

We use the following formula to calculate the CPP:

The final result:

Should You Get the PlayStation Card?

If you’re big into gaming, you could have a lot of fun with the PlayStation Card. You could simply join the free Sony Rewards Program and earning with that membership alone, but having the PlayStation card elevates the program to another level.

You’ll earn points by spending on the card, get 10 percent statement credits for PlayStation Vue, PlayStation Now and PlayStation Music purchases and 50 percent back on a PlayStation Plus membership if you spend $3,000 in a year. You’ll also have ways to earn additional Sony Rewards, including shopping through their Marketplace, taking advantage of special deals and completing certain activities.

When it comes time to redeem your rewards, you’ll receive about a penny per point in value. While you’ll have to redeem points for products from the Sony Rewards Catalog, that isn’t necessarily a bad thing for a gamer. Despite the vast redemption selection, your options are still relatively limited compared to the flexibility you would have with a straight cashback card.

If you have a large purchase you want to finance, you could take advantage of the introductory 0% APR period that is valid through your 12/2018 billing period. However, the PlayStation card comes with high standard interest rates after that period. If you are not able to pay off that balance, you’ll be saddled with a lot of interest, and paying interest negates all the benefits of earning rewards. Don’t get the card if you plan to carry a balance after the initial 0% APR.

The PlayStation card comes with a $50 store credit as a sign-up bonus after your first purchase, and you’ll be earning a nice 5 points per dollar on all of your PlayStation purchases. Since it is issued as a Visa card, you can use it anywhere, but all of your other purchases will earn only 1 point per dollar. So I wouldn’t use the PlayStation card for all of my spending. Supplement it with a cashback card, such as the Citi Double Cash card, and you’ll fare much better overall.


Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.

  • How do I earn rewards on the PlayStation card?

    First, you must register for the Sony Rewards Program so you will be able to earn and redeem points accumulated from purchases you make on the PlayStation card. The Sony Rewards Program is free to join.
    All purchases on the Sony PlayStation network earn 5 points per dollar spent. Pay your mobile phone bill with the card and earn 3 points per dollar. All other purchases earn 1 point per dollar.
    You can earn bonus points when you purchase Sony or PlayStation products at an authorized retailer, too. You’ll automatically earn one point per dollar, but you’ll have to submit a bonus points form to get the additional four points. The form can be accessed on or by calling customer service.
    In addition to earning points, you can receive statement credits for purchases on PlayStation Vue, PlayStation Music and PlayStation Now entertainment services. You’ll receive a statement credit of 10 percent of the purchase price. If you spend $3,000 on the card within a year, you’ll receive 50 percent off of a 12-month PlayStation Plus membership.
    In addition to earning Sony points through purchases on your PlayStation card, you can earn rewards points within the Sony Rewards Program itself by shopping through their online Marketplace or by taking advantage of promotional offers.
  • How does the 0% APR work?

    Once you’re approved for the PlayStation card, you qualify for a 0% APR period during which you will not be charged interest on your purchases. The interest-free period is valid through your 12/2018 billing period. After that, you will be charged the standard interest rate of 15.49% to 24.99% Variable±, depending on your credit worthiness as determined by Capital One. These interest rates fluctuate as they are based on the market prime rate.
    While the 0% APR period can be beneficial for financing a large purchase on the PlayStation card, you’ll want to make sure you make your minimum payment requirements and pay off those balances prior to the deadline. If you don’t, significant interest rates will be applied to the balance on your card.
  • What are the redemption options for my rewards points?

    The rewards points you have accumulated in your Sony Rewards account can be redeemed for a wide variety of merchandise, shopping credits and experiences. You can shop the Sony Rewards Catalog which contains hundreds of options, including movies, music, PlayStation games/music/digital products, gift cards and much more.
    Generally, points are worth about a penny each in redemption value. There are special deals, however, where you can redeem for greater than one cent per point.
    As with most rewards programs, redeeming your points for gift cards can offer less value for your rewards. This is the case with the Sony Rewards Program where your points become worth far less than one cent each if you use them to purchase gift cards.
    If you don’t have enough Sony Rewards points to pay for an item, you can buy points for one cent each to complete your purchase using points and cash. Keep in mind that your points expire five years from the end of the month in which they are earned.
  • Where can I use my PlayStation card?

    Many store-branded cards can only be used at the affiliated store. This is not the case with the PlayStation card because it is also a Visa. This allows you to use the PlayStation card anywhere Visa is accepted.
    Aside from earning three points per dollar on your mobile phone bill, your earnings on purchases other than PlayStation and Sony purchases will be only one point per dollar. So while your PlayStation card can be used just about anywhere, your earnings will be less on those everyday purchases.
Have A Question?
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Compare Cards

The PlayStation and Sony cards are both issued by Capital One, and the Amazon Prime Store card is issued by Synchrony. The common denominator of these three no annual fee cards is that you can earn rewards at an elevated level for purchases of digital entertainment, gaming products and other expenditures at the card’s affiliated stores. Purchases outside of these affiliates earn much less.

PlayStation® Card
For Excellent/Good Credit
Check which Capital One card is the right fit for you
Сompare Points Cards

Comparing Cards in the Same Lineup

Sony Card℠From Capital OneSony Card℠From Capital OneAmazon Rewards Visa Signature CardAmazon Rewards Visa Signature Card
Sign-up bonus5,000 points5,000 points0 points
Annual Fee




APR On Purchases15.49% to 24.99% Variable ±15.49% to 24.99% Variable±15.74% to 23.74% Variable±
Foreign Fee0%0%0%
Bonus Value$50$50$0
Second Year Value$240$240$240

If you’re not into gaming but subscribe to a lot of online streaming services, such as Netflix, Amazon Prime and Spotify, you will fare well with the Sony card as you’ll get five points per dollar spent on these services. You’ll also earn five points per dollar for movie tickets and entertainment downloads. You’ll still be earning Sony Rewards Points, just as you do with the PlayStation card, but your earnings aren’t focused on gaming purchases.

When it comes time to redeem your points, you’ll still have access to the Sony Rewards Catalog to select from hundreds of redemption options. If you’d rather have a flat screen Sony TV versus a PlayStation, you’re more of a candidate for the Sony card. If you’re not playing video games but binge watching the latest Netflix series, the Sony card is probably a better fit.

The Amazon Store card, which is upgraded to the Amazon Prime Store card if you are an Amazon Prime member, earns a healthy 5 percent back on all Amazon purchases. After card approval, a $20 Amazon gift card value will be added to your account. With no annual fee and 5 percent back on Amazon purchases, the card is a great choice for the frequent Amazon shopper, especially since you can buy so much on

Gamers can even earn 5 percent back on their gaming and other digital entertainment purchases. The 5 percent back credits can be applied to future Amazon purchases. The downside of the Amazon Store card is that it can only be used on It charges no annual fee.

The PlayStation card stands out as the ultimate card for anyone spending on PlayStation or Sony. Earning a 5 percent return and a $50 sign-up bonus are great, and the benefits of the Sony Rewards Program just add to the positives. The downside, of course, is that everyday purchases receive only one point per dollar. Any good cashback card can get you more than that.

Some Alternative Cards for PlayStation Fans

While it’s tough to beat earning 5 points per dollar for using the PlayStation card for your gaming-related purchases, all of your other expenses are earning just one point per dollar. Let’s compare a few no annual fee cashback cards that will reward you with greater earnings on all of your everyday purchases.

5,000points offer
PlayStation® Card

Check if PlayStation® Card is the best option for you

Best Cashback Card

If you’re sold on the PlayStation card, you should consider supplementing it with a solid cashback card. The Citi Double Cash card would be a good choice for complimenting the PlayStation card and deserves consideration.

While it doesn’t offer a sign-up bonus, it has a simple rewards earning structure with 1 percent cash back when you make a purchase and another 1 percent back when you pay off your balance each month. That’s a total of 2.0 percent cash back on every purchase. There are no special bonus categories or quarterly incentives, just straightforward cash back on your purchases. It also doesn’t have an annual fee.

Best Rotating Category Card

Earn a 150 points bonus with the Chase Freedom after spending $500 in the first three months of card membership. Get 5 points per dollar spent on select rotating bonus categories. The points you earn with this card will never expire as long as your account is open. There’s also no limit on the amount of points you can earn, though the 5 percent bonus for select categories is only good for $1,500 worth of purchases per quarter. After reaching that cap, you’ll earn the standard 1 percent back.

This card also comes with 0% APR for 15 months on both new purchases and balance transfers. That makes this card a good choice if you’re thinking about making a big purchase that you’d want to pay off over time.

Get the Biggest Bonus

Uber Visa Credit Card offers generous cashback bonuses. You can earn 4.0 percent cash back at restaurants, 3.0 percent back for certain major travel expenses, 2.0 percent back on most online and mobile purchases (including Uber rides) and 1.0 percent back everywhere else. Plus, it’s a no-fee card that comes with a $100 sign-up bonus.

Card Overview

Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.

Card Details
Good credit score
From 700 to 749
Capital OneCapital One
Rewards Currency

Card Terms and Conditions

While it's easy to focus on the benefits of the PlayStation card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this Visa card.


Intro APR:
0% introductory APR through your 12/2018 billing period
Intro APR for balance transfers:
Ongoing APR:
15.49% to 24.99% Variable±
Minimum Grace Period:
25 days
Extended Warranty Protection:
Purchase an item with your PlayStation Visa and receive an extended warranty period up to one additional year on manufacturer’s warranties less than 3 years.

Cash Advance Features

Ongoing APR:
24.49% Variable±
Cash Advance Fee:
Either $10 or 3% of the amount of each cash advance, whichever is greater

Security and Protections

Capital One credit card accounts, including your PlayStation card, can be accessed online. Your card comes with chip technology and zero liability.

Online Access:
All Capital One credit card accounts can be accessed online. You can make a payment or set up custom alerts.
EMV Chip Technology:
Having your card enabled with chip technology creates greater acceptance and an extra layer of security.
Zero Liability:
If your card is lost or stolen and there is fraudulent activity, you will not be responsible for the purchases.

Additional Cardholder Benefits

Since the PlayStation card is a Visa, it brings a little more to the table than most store-branded credit cards. You’ll have peace of mind knowing that if something goes wrong, you’ll have access to coverage for rental cars, referral services for roadside assistance and emergency travel assistance. The card also does not charge a foreign transaction fee.

Visa Signature Travel Benefits

Auto Rental Collision Damage Waiver:
Decline the rental company’s insurance and receive theft and collision coverage for most rentals in the U.S. and abroad. Coverage is secondary to your personal insurance in the U.S.
Roadside Assistance:
Referral services that can help you obtain lockout service, towing, jumpstart and gas delivery help. Service fees apply.
Travel and Emergency Services:
Assistance and referrals for arranging emergency transport, sending messages, replacing tickets, and other travel emergencies. Service charges may apply.
No Foreign Transaction Fee:
You can use your card abroad, and you won’t be charged a foreign transaction fee.

Editorial Disclosure: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

UGC Disclosure: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.