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Sony PlayStation card review

Sony PlayStation card review

Published: December 12, 2017
Ratings Policy
Retail Rating:
3.8 rating
3.8 rating
3.8 / 5
Rewards Value: 3.3
Annual Percentage Rate: 4.3
Rewards Flexibility: 4.0
Features: 4.0

In a nutshell:

Despite meager rewards on outside purchases, gamers and techies can definitely fuel their hobbies with the Sony PlayStation credit card.

Rewards Rate

  • 5:1 PlayStation and Sony products
  • 3:1 mobile phone bills
  • 1:1 other purchases

Sign-up Offer

  • $50 PlayStation Store code if you make purchase within 90 days of account opening
  • 50% discount on PlayStation Plus membership if you spend $3,000 in first year ($30 value)

Annual Fee
$0

Average Yearly Savings ($1,325 monthly spend)
$224

APR
14.99-24.99% (variable)

Rewards Redemption

Pros

  • No limit on how many points you can earn
  • Can redeem for items for which you don’t have enough points by purchasing points at 1 cent per point at checkout

Cons

  • Points expire after 5 years
  • Can only redeem points for Sony products
  • Must submit bonus points form to receive full points for offline purchases, must be from an authorized retailer
  • Minimum number of points required for the least expensive item

Other Notable Features: 10% statement credit on PlayStation Vue, Music and Now purchases, better pricing on Deals & Steals, presale tickets to select music and sporting events, access to exclusive rewards items, special deals, travel accident insurance, travel and emergency assistance, auto rental collision damage waiver, warranty manager service, $0 fraud liability

Like other credit cards in the retail category, the Sony PlayStation card caters to a specific group: Fans of PlayStation and Sony products. No annual fee, a fair APR compared to other retail cards and special savings on deals and experiences round out the card’s best features.

Great rewards on PlayStation and Sony products

Where the Sony PlayStation card really shines, unsurprisingly, is with stellar 5:1 rewards on PlayStation Store and Sony purchases. So, if you tend to wait in long lines for the latest and greatest gaming console, your chances of benefiting from adding this card to your collection are high. You may want to consider paying your cell phone bill with the card, too, to snag an easy 3 points per dollar on spending you already make every month.

However, purchases made anywhere else earn a mere 1 point per dollar. If you’re looking to earn greater rewards on everyday purchases — while still avoiding an annual fee — consider a general rewards card such as the Quicksilver Cash Rewards from Capital One (which offers unlimited 1.5 percent cash back on every purchase) or the Citi Double Cash card (which pays 1 percent cash back when you make a purchase and another 1 percent whenever you make your minimum monthly payment on time).

Good sign-up bonus

The Sony PlayStation card offers a reasonable sign-up bonus in the form of a $50 PlayStation Store code when you make a purchase within 90 days of opening your account. Codes are sent via email and must be activated within 180 days from the purchase date.

New cardholders who make $3,000 in net purchases with their PlayStation card in the first year will also receive a 50-percent statement credit on a 12-month PlayStation Plus subscription (valued at $30). 

Small window for intro APR

While it’s unlikely you’re considering the Sony PlayStation card for its introductory purchase APR, it’s still worth noting the 0-percent introductory period lasts only six months. Granted, many retail credit cards don’t offer an introductory interest rate at all, but the timeframe on this card is far shorter than most general rewards cards.

Some perks

The Sony PlayStation card sports some decent perks, especially for fans of gaming and TV. Cardholders earn 10 percent back as a statement credit on PlayStation Vue, PlayStation Music and PlayStation Now services, as well as better pricing on Deals & Steals, presale tickets to select music and sporting events and access to exclusive rewards items. Other benefits, such as travel accident insurance, auto rental insurance and travel and emergency assistance are sure to appeal to frequent travelers who happen to carry this card in their wallets.

Why get the Sony PlayStation card?

  • You regularly purchase PlayStation and Sony products.
  • You want to earn points on your mobile phone bill.
  • You prefer to use rewards on products or experiences versus travel.
  • You don’t plan to use the card for everyday spending.

How to use the Sony PlayStation card:

  • Make a purchase within 90 days of account opening to score a $50 PlayStation Store code.
  • Pay your mobile phone bills with the card to receive 3:1 points.
  • Submit bonus points forms for all offline PlayStation purchases (from authorized retailers only) to receive full 5:1 rewards.
  • Activate your $50 PlayStation Store card within 180 days of your initial purchase date to keep it from expiring.

If you use the low introductory APR, try to pay off as much as possible by May 2018 to maximize your savings.

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