Are you really serious about this card being good? Lol hard pull doesn't even give you an Xbox. This is the worst deal I've ever heard of in my life. Considering a hard pull would give you 100k chase ultimate rewards on many cards they offer that's 3 XBSX consoles. This is a trash card. Absolutely horrible. Hilariously they give you only one time two 3-month Xbox game pass codes after you spend and getting debt $7,000 hahaha You can just do Bing rewards every month and get a free month. This is the worst card I've ever seen in the history of my life. It's a horrible horrible deal.
This won't hurt my SSI payments correct or food stamps since won't get much on Xbox mastercard like $1 per income I'm worried about it messing up my SSI payments I get every month
lol it's tough because the way the Sony card has you claim the Sony purchases is awful. This is done better but some what limited unless you go thru the MS store
Would be nice for MS 365 subscription but that's not enough spend to justify. Not enough multipliers / categories. And you suspect it will be from Barclays? Never again after the Uber credit card...
so is real money and 1x-5x points separate or are they all combined as points, i play xbox a lot but i feel like if there combined real money and points i could just use it to deposit real money or something, or does no one know yet (or maybe they wont let you use bonus points to be used as real money and only Microsoft items)
What do you mean about real money? All the purchases you make earn points. The points sit on your account until you redeem them. From the original terms, cashing out points for real money isn't an option. It's limited to what we put on the redemption slide (I forget lol). Which is kinda like real money in the sense that you were going to spend real money on the item.
I know it says no annual fee but i saw somewhere that there was a 50 cent monthly fee. Is that true and is it normal for credit cards to have monthly fees even if you dont purchase anything? Im new to the credit card adult stuff
I haven't seen anything about an annual fee in the terms. It's also not normal. Bank accounts can charge a dormancy or inactivity fee but I've never seen a card do it. They may close a card that's not been used in a year or so. Send me the link and I'll take a look
@RJFinancial I'm not sure how to send you the link but you can see it as soon as you sign in and try to apply. It says exactly "The minimum monthly interest charge will be $0.50." I'm a little confused by the wording. Like do I have to pay even if I don't use the card that month?
Last time I looked at the PlayStation card it was much harder to use. You have to fill out a form to get the points or something like that. Since they included Sony purchases but Sony doesn't sell direct for most things.
My only concern is mainly how it works vs a normal card you can get from your local banks, like how am I supposed to deposit cash into the account/pay for it? because I don't think I can just pull up to any of my banks to do so, can you just not deposit cash? can you only use checks to add money into the account? seems very odd to not be running at least through a well known bank chain.
We're confusing products. This is a credit card issued by a Barclays bank, cobranded with Microsoft. There isn't a way to deposit cash to any credit card. Credit cards work off of a revolving line of credit. Barclays is a massive bank, they pulled their retail division out of the States some time ago but still issue cards and are big overseas. If you mean deposit cash as in pay the card balance, you'd be able to do that by linking an external bank account, sending a bill pay from an external bank, or sending a check if you really wanted to.
@@RJFinancial Yeah the 2nd half is what I mean, I was wondering how that would work, since I know its not like a debit card but you still gotta give them money somehow lol, thanks.
@@itsmehere1You can normally do it online from a bank account or you can mail in checks. Generally thats how credit cards from any bank work with the exception of local bank credit cards. some of them still require you to send it to a certain address though
No idea. On one hand I've heard Barclays can be uptight but with cobranded cards they tend to cast a wide net and manage risk with credit limit and APR. Barclays has historically used TransUnion
Best game online - www.profitablecontent.com
Are you really serious about this card being good? Lol hard pull doesn't even give you an Xbox. This is the worst deal I've ever heard of in my life. Considering a hard pull would give you 100k chase ultimate rewards on many cards they offer that's 3 XBSX consoles. This is a trash card. Absolutely horrible. Hilariously they give you only one time two 3-month Xbox game pass codes after you spend and getting debt $7,000 hahaha You can just do Bing rewards every month and get a free month. This is the worst card I've ever seen in the history of my life. It's a horrible horrible deal.
There is a PlayStation visa credit card also the only one who doesn’t have one is Nintendo
Can you do a review for an Adult Superstore cash back card?
Probably not without it getting demonetized or limited at best
Cheevo hunters and people who buy games benefit from the x5 points.
If I get approved for this card, I’m gifting you the 3 months…TRUST
Ha you’re too kind sir. We can play halo any time… as long as you carry us lol
This won't hurt my SSI payments correct or food stamps since won't get much on Xbox mastercard like $1 per income I'm worried about it messing up my SSI payments I get every month
Can't answer that. I can say card points are considered a rebate and not taxable
Thanks for the info + video!
It says first purchase get 5,000 points is there a requirement for what you have to purchase to get the free points?
No requirement. Buy a pack of gum and you've met the requirement.
@@RJFinancial Sweet thought it was first purchase related to Xbox store thanks just got the card
So if i was approved for this if i bought the $1 Ultimate deal right now would that give me the 5,000 points and 3 Months of Ultimate ????
Yes. They don't specify a purchase amount
Can you use the points for the 50cent monthly payment?
No. They can cover specific purchases from MS
www.barclaycardus.com/applycontent/TnCs.jsp?tc45206
Basically a store card for the Xbox.
Other multipliers are meh depending on what you have. I see it similar to Amazon and Target card, albeit with far more limited use
Ew.... barclays... haha.
Coulda been Synchrony
@@RJFinancial😂😂
@@RJFinancialOr Credit One
@@Apply.Bank.CreditYou should get it just don’t have a 400 credit score lol
@flipyapd2321 I started credit score back 2023 its already in good shape not sure where score is I think 500 or 800
I might get for the layup sign up bonus. Definitely not a great card all around. Poor points categories and redemption options.
The main category is solid. The rest are meh, depending on what you already have. Basically a free game intro offer
We want a Microsoft Rewards Mastercard credit card now to compete with the Sony Visa credit card!
(We don't game a lot, you know.)
lol it's tough because the way the Sony card has you claim the Sony purchases is awful. This is done better but some what limited unless you go thru the MS store
Would be nice for MS 365 subscription but that's not enough spend to justify. Not enough multipliers / categories. And you suspect it will be from Barclays? Never again after the Uber credit card...
Press release says Barclays will issue it. Woulda guess Synchrony myself. This is slightly better
so is real money and 1x-5x points separate or are they all combined as points, i play xbox a lot but i feel like if there combined real money and points i could just use it to deposit real money or something, or does no one know yet (or maybe they wont let you use bonus points to be used as real money and only Microsoft items)
What do you mean about real money? All the purchases you make earn points. The points sit on your account until you redeem them. From the original terms, cashing out points for real money isn't an option. It's limited to what we put on the redemption slide (I forget lol). Which is kinda like real money in the sense that you were going to spend real money on the item.
You? Xbox? I thought you were an Apple guy.
Apple is good for candy crush lol
@@RJFinancialI have Samsung galaxy A14 5G I use Android and play xbox on my phone I play Clash of clans and royal match
RJ amazing thumbnail😂
Lol I stole the background from the press release. Figure they wouldn't mind
I hope sledge gets this card.
I know it says no annual fee but i saw somewhere that there was a 50 cent monthly fee. Is that true and is it normal for credit cards to have monthly fees even if you dont purchase anything? Im new to the credit card adult stuff
I haven't seen anything about an annual fee in the terms. It's also not normal. Bank accounts can charge a dormancy or inactivity fee but I've never seen a card do it. They may close a card that's not been used in a year or so. Send me the link and I'll take a look
@RJFinancial I'm not sure how to send you the link but you can see it as soon as you sign in and try to apply. It says exactly "The minimum monthly interest charge will be $0.50." I'm a little confused by the wording. Like do I have to pay even if I don't use the card that month?
@@DeathDBRit’s talking about interest, if you have a balance on your card by the end of the period you’ll have to pay that minimum fee
Based RJ
Yall don't want that... wait till they turn power off you can't use that crap... all digital cards of any sort SUCK. Remember That...Cash is king
They send you a physical card from what I can tell...
Seems like a product to compete against the PlayStation card
Last time I looked at the PlayStation card it was much harder to use. You have to fill out a form to get the points or something like that. Since they included Sony purchases but Sony doesn't sell direct for most things.
I should be able to qualify since got high credit score 😊
Good hunting
So the card is just digital currency (points) for real money?
These can't be turned into anything other than Microsoft points.
@@RJFinancial thanks for the response 🤝
What is 5000 points? 5 bucks?
At 1 cent per point, yes. Not sure what things cost in the MS Store but it's not much of an intro offer
Not for me but interesting.
Same, I'm happy to see any card punch up to 5x
My only concern is mainly how it works vs a normal card you can get from your local banks, like how am I supposed to deposit cash into the account/pay for it? because I don't think I can just pull up to any of my banks to do so, can you just not deposit cash? can you only use checks to add money into the account? seems very odd to not be running at least through a well known bank chain.
We're confusing products. This is a credit card issued by a Barclays bank, cobranded with Microsoft. There isn't a way to deposit cash to any credit card. Credit cards work off of a revolving line of credit. Barclays is a massive bank, they pulled their retail division out of the States some time ago but still issue cards and are big overseas.
If you mean deposit cash as in pay the card balance, you'd be able to do that by linking an external bank account, sending a bill pay from an external bank, or sending a check if you really wanted to.
@@RJFinancial Yeah the 2nd half is what I mean, I was wondering how that would work, since I know its not like a debit card but you still gotta give them money somehow lol, thanks.
@@itsmehere1You can normally do it online from a bank account or you can mail in checks. Generally thats how credit cards from any bank work with the exception of local bank credit cards. some of them still require you to send it to a certain address though
@@itsmehere1 it work just like any other credit card lol you add your bank account to make the payments...
Does this come with available credit, like a normal Credit Card would...?
Yes, this is a credit card like from chase/citi
Credit score required? Pulls from who?
No idea. On one hand I've heard Barclays can be uptight but with cobranded cards they tend to cast a wide net and manage risk with credit limit and APR. Barclays has historically used TransUnion