The Best Credit Cards for Gamers

In the ever-evolving world of gaming, a credit card can be your ultimate power-up, akin to a mythical sword that slashes through costs. Whether you’re aiming to redeem rewards for new games or looking to save on that latest console, the right credit card can make all the difference. Ready to level up? Here’s our guide to the best credit cards for gamers.

Top Cards for Gamers

1. Wells Fargo Active Cash® Card

Wells Fargo Active Cash Card
  • Rewards: Unlimited 2% cash rewards on all purchases.
  • Sign-up Bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Annual Fee: $0.
  • APR: 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers for 15 months; then, the ongoing APR of 20.24%, 25.24%, or 29.99% Variable APR.

Why We Like It: The Wells Fargo Active Cash® Card offers simplicity with a rich 2% cash reward rate on all purchases, making it a versatile option for gamers. It’s a great addition to your wallet, working well with other cash-back cards to maximize rewards.

Drawbacks: Redemption options may be slightly less flexible if you’re not a Wells Fargo customer.

2. Bank of America® Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards credit card
  • Rewards: 3% back on a category of your choice (including online shopping) and 2% back on grocery stores and wholesale clubs for the first $2,500 of combined spending per quarter; 1% back on other purchases.
  • Sign-up Bonus: $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days.
  • Annual Fee: $0.
  • APR: 0% intro APR on Purchases for 15 billing cycles and Balance Transfers for 15 billing cycles; then, the ongoing APR of 18.24%-28.24% Variable APR.
  • Why We Like It: This card allows you to choose a top-earning rewards category, making it perfect for gamers who spend on online purchases. The sign-up bonus and introductory APR offer additional benefits.

Drawbacks: Watch out for spending caps, and redemptions are limited if you’re not a Bank of America® customer.

3. U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Credit Card
  • Rewards: 5% cash back on the first $2,000 in combined eligible net purchases each quarter in two chosen categories; 2% back in one “everyday” category; 1% back on other eligible net purchases.
  • Sign-up Bonus: $200 bonus after spending $1,000 in eligible purchases within the first 120 days.
  • Annual Fee: $0.
  • APR: 0% intro APR for 15 billing cycles on purchases and balance transfers; then, the ongoing APR of 19.49%-29.74% Variable APR.

Why We Like It: Ideal for gamers with specific internet services or cell phone providers, this card offers valuable rewards on electronic store purchases, making it a great addition to your gaming arsenal.

Drawbacks: Quarterly spending caps and category management can be cumbersome.

4. U.S. Bank Shopper Cash Rewards™ Visa Signature® Card

U.S. Bank Shopper Cash Rewards™ Visa Signature® Card  - NerdWallet Exclusive
  • Rewards: 6% cash back on your first $1,500 in combined eligible purchases each quarter at two chosen retailers; 3% cash back on your first $1,500 in eligible purchases each quarter in one everyday category; 1.5% cash back on other eligible purchases.
  • Sign-up Bonus: $250 bonus after spending $2,000 in eligible purchases within the first 120 days.
  • Annual Fee: $0 intro for the first year, then $95.
  • APR: 19.74%-29.74% Variable APR.

Why We Like It: This card offers elevated rewards rates on gaming-related purchases, with customizable options every quarter. The list of eligible retailers includes major gaming outlets like Walmart, Target, and Best Buy.

Drawbacks: To maximize value, you’ll need to spend a significant amount annually.

5. Prime Visa (Amazon Prime Rewards Visa Signature Card)

Amazon Prime Rewards Visa Signature Card
  • Rewards: 5% back at Amazon.com and Whole Foods Market; 2% back at restaurants and gas stations; 2% back on local transit and commuting; 1% back on other purchases.
  • Sign-up Bonus: Get a $100 Amazon Gift Card upon approval exclusively for Prime members.
  • Annual Fee: $0.
  • APR: 19.49%-27.49% Variable APR.

Why We Like It: Ideal for Prime members, this card offers robust rewards on Amazon purchases, making it perfect for buying games, consoles, and more. Additional perks include free games, in-game loot, and a free subscription to Twitch.tv.

Drawbacks: No 0% intro APR and requires an Amazon Prime membership.

6. Target REDcard™ Credit Card

Target REDcard™ Credit Card
  • Rewards: 5% discount on all eligible Target purchases.
  • Sign-up Bonus: N/A
  • Annual Fee: $0.
  • APR: 29.95% Variable.

Why We Like It: For dedicated Target shoppers, this card provides a 5% discount on all purchases, including gaming-related items. It’s a straightforward way to save on games, electronics, and accessories.

Drawbacks: Limited to Target purchases, and no reward accumulation for future use.

7. Capital One® Walmart Rewards™ Mastercard®

  • Rewards: 5% back on purchases at Walmart.com and through the Walmart app; 2% back for in-store purchases; 2% back at travel and restaurants; 1% back on other purchases.
  • Annual Fee: $0.

Why We Like It: Perfect for Walmart enthusiasts, this card offers a lucrative 5% back on online purchases, including gaming-related items. It provides flexibility in redeeming rewards, including statement credits, travel, and gift cards.

Drawbacks: Complex rewards structure with varying categories.

8. PlayStation Visa Credit Card

  • Rewards: 5 points per $1 spent on PlayStation and Sony products; 3 points per $1 on cable and internet bill payments; 2 points per $1 at restaurants; 1 point per $1 on other purchases.
  • Sign-up Bonus: Earn a $50 PlayStation store code on the first purchase within 60 days.
  • Annual Fee: $0.

Why We Like It: Tailored for PlayStation enthusiasts, this card offers points on PlayStation and Sony purchases, providing opportunities to offset gaming expenses.

Drawbacks: Low point values, limited redemption options, and a higher APR.

9. Best Buy Credit Cards

  • Rewards: 5% back on all purchases at Best Buy.
  • Sign-up Bonus: Receive a total 10% back in Best Buy points on the first day of purchases upon approval.
  • Annual Fee: $0-$59, depending on the card.
  • APR: 29.99% Variable.

Why We Like It: Designed for frequent Best Buy shoppers, these cards offer rewards on gaming purchases and potential financing options.

Drawbacks: Limited control over the version of the card received, and some versions have an annual fee.

10. Xbox Mastercard

  • Rewards: 5 points per $1 on qualifying games and purchases within the Microsoft Store; 3 points per $1 on eligible delivery and streaming services; 1 point per $1 on other qualifying purchases.
  • Sign-up Bonus: Receive 5,000 points after the first purchase.
  • Annual Fee: $0.
  • APR: 31.99% Variable.

Why We Like It: A boon for Xbox gamers, this card provides enhanced rewards on Microsoft Store purchases and food delivery services.

Drawbacks: Points can only be redeemed for games and add-ons, limiting redemption options.


In conclusion, choosing the right credit card can significantly enhance your gaming experience. Whether you’re a loyal Amazon shopper, a Target enthusiast, or a PlayStation or Xbox devotee, there’s a credit card that aligns with your gaming preferences. Level up your financial game with these top credit card picks for gamers. Game on!

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