GameStop PowerUp Rewards Credit Card
Basic Information
Program ID: gamestop-powerup-rewards-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:16
Last Scraped: 01/15/2026 12:18
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 3,224.00% - 3,224.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 3,299.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $50.00
Time Period: 30 days
Bonus Timing: Typically applied as a statement credit within 1-2 billing cycles after the qualifying first purchase posts.
Rewards Program
Reward Type: GameStop PowerUp Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x GameStop Purchases
Point Value Estimate: 0.0000 cents/point
Expiration Policy: Points expire 1 year after earning for PowerUp Rewards Basic members; for PowerUp Rewards Pro members, points expire 6 months after Pro membership expires.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion
Issuer Rules
Rules: The GameStop PowerUp Rewards Credit Card, issued by BreadFinance, is primarily designed for US residents aged 18 or older with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Applicants typically need a fair to good credit score for approval, though specific underwriting criteria can vary. A PowerUp Rewards membership is often a prerequisite or highly recommended for application, integrating the card benefits directly with the loyalty program. Bonus rules for 2026 are anticipated to follow historical patterns, potentially offering an initial discount on the first purchase (e.g., 10-20% off) or a fixed amount of bonus PowerUp Rewards points after the first transaction within a specified period. Ongoing benefits usually include accelerated PowerUp Rewards point earnings on GameStop purchases.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Missed payments, high credit utilization across multiple BreadFinance (Comenity) accounts, excessive credit seeking (multiple applications in a short period), fraudulent activity, abuse of store return policies, or manipulation of the PowerUp Rewards program.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
High rewards rate on GameStop purchases, special financing offers, relatively easy approval for those with fair credit, exclusive GameStop member benefits.
Top Negative Feedback:
High APR, limited value outside of GameStop, poor customer service experience with Comenity, confusing deferred interest promotions, restrictive reward redemption.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Amazon Prime Rewards Visa Signature
- Discover it Cash Back
- Capital One QuicksilverOne
Card Value Score: 55.0 / 100
Est. Annual Rewards: $85.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 60% Store / 40% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023