Gamers who make frequent PlayStation or Sony purchases may be eager to get their hands on the PlayStation Visa Credit Card.
Issued by Comenity Bank, the $0-annual-fee card offers decent rewards for brand products, but you’re limited in terms of what you can redeem those rewards for.
A general cash-back credit card would prove much more versatile.
Here are five things to know about the PlayStation Visa Credit Card.
🤓 Nerdy Tip
Previously, holders of the PlayStation Visa Credit Card were automatically enrolled in the separate Sony rewards program when they opened the card. (Enrollment was a requirement in order to earn rewards.) But the Sony rewards program ended on Dec. 31, 2024, which was also the last day cardholders could log into their accounts and redeem Sony points. The PlayStation Visa Credit Card is now part of the PlayStation credit card rewards program, and any remaining Sony rewards points will be transferred to the PlayStation credit card rewards program by March 2025. 1. Rewards are decent for PlayStation loyalists
Cardholders will earn the following:
- 5 points per $1 spent when you shop directly with PlayStation and at the Sony store.
- 3 points per $1 spent on cable and internet bill payments, including streaming services.
- 2 points per $1 spent at restaurants, including takeout and delivery.
- 1 point per $1 spent on all other purchases.
Point values will vary depending on what you redeem them for. For example, point values for gift cards hover around 0.8 cent, while you can snag PlayStation store codes for a penny per point (as of February 2025).
The elevated rewards on Sony and PlayStation products is compelling for loyalists. And you’ll also earn decent 3x and 2x rates for non-brand products — which is not always the case for co-branded and store credit cards.
🤓 Nerdy Tip
Comenity also previously offered the $0-annual-fee Sony Visa Credit Card. But that card is no longer available. Current cardholders were to be converted to the PlayStation Visa Credit Card at the end of April 2025, according to the issuer. 2. Redemption options are limited
Points earned with the PlayStation Visa Credit Card can be redeemed toward gift cards, store codes and other products available through the Sony PlayStation rewards catalog, including select video games and digital collectibles. Note that points expire after five years, so you must redeem your points during that time frame or lose them.
Although other store-branded credit cards come with similarly restrictive redemption options, the best rewards credit cards typically don’t limit what you can use your rewards for. For more flexible rewards, consider a card that earns cash back you can redeem for more than purchases within a specific brand.
For instance, if you spend a lot on specific bills — like streaming services, for example — consider the Blue Cash Preferred® Card from American Express. It earns 6% back on select U.S. streaming subscriptions; 6% cash back at U.S. supermarkets on up to $6,000 in spending per year; 3% back on transit and U.S. gas stations; and 1% cash back on everything else. Terms apply. Cash back can be redeemed as a statement credit. There's a $0 intro annual fee for the first year, then $95.
Terms apply; see rates and fees.
Or if you don't want to keep track of multiple bonus spending categories, you can find many other general-purpose credit cards that offer a high flat rate on all purchases.
Flat-rate cards to consider
Annual fee
- $0
- $0
- $0
- $0
Rewards rate
2% cash back on purchases — 1% when you buy something and 1% when you pay it off.
2% cash back on all purchases.
1.5% cash back on all purchases and 5% cash back on hotels, vacation rentals and car rentals booked through Capital One Travel.
1.5% cash back on all purchases.
(BofA Rewards® members can earn a higher rate.)
Bonus offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
Learn more
3. There is a modest welcome bonus
As of this writing, once you open the PlayStation Visa Credit Card and spend $500 in the first 60 days, you'll earn a $100 statement credit.
Compared to other retail credit cards, this is a decent sign-up bonus. But other general rewards cards have much more valuable welcome offers. With the Wells Fargo Active Cash® Card, for example, new cardholders can get this offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
The card also offers 2% cash back on all purchases, for a $0 annual fee.
4. You can shop instantly after you're approved for the card
Once you’re approved for the credit card, you’ll be sent a temporary shopping pass, which will allow you to make online purchases immediately, rather than having to wait first for the physical card to be sent to you.
5. It can be expensive to carry a balance
As of February 2025, the variable APR for purchases made with the card can surpass 32%.
If you pay your balance on time and in full each month, this isn't going to be a problem. But if you need to carry a balance, a credit card that offers a 0% intro APR period will be a better choice.
To view rates and fees of the Blue Cash Preferred® Card from American Express, see this page.
