9
Benefits4
Reward Categories5x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: playstation-visa-credit-card
Issuer: BreadFinance
Card Name: PlayStation® Visa® Credit Card
Card Type: Credit
Network: Visa
Card Tier: Signature
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of credit, including a 36% annual percentage rate cap on the cost of credit.
Rewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| PlayStation Store Purchases | 5x | Points | Purchases made at the PlayStation® Store. | No Cap | |
| PlayStation & Sony Purchases | 3x | Points | Qualifying purchases at authorized PlayStation® and Sony retailers, including PlayStation.com, PlayStation Direct, Sony.com, and Sony retail stores. | No Cap | |
| Cable, Internet & Mobile Phone Bills | 2x | Points | Qualifying payments made directly to cable, internet, and mobile phone service providers that are classified with the appropriate merchant category code (MCC). | No Cap | |
| All Other Purchases | 1x | Points | All purchases not falling into other bonus categories. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x PlayStation Store purchases, 3x Cable & Internet bill payments, 3x Mobile phone bill payments, 3x PlayStation and Sony products at authorized retailers
Quarterly Rotating: No
Expiration Policy: Points expire 36 months after the month in which they were earned.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 9 Total
PENDINGFinancial 2
No Annual Fee
$0There is no annual fee charged for maintaining the credit card account.
Special Financing Offers
Varies by offerCardmembers may be eligible for special financing offers on qualifying PlayStation® and Sony product purchases.
Lifestyle 3
Cable & Internet Bill Payments Rewards Earning
3X points per $1Earn 3 points for every $1 spent on eligible cable and internet bill payments.
Mobile Phone Bill Payments Rewards Earning
3X points per $1Earn 3 points for every $1 spent on eligible mobile phone bill payments.
Streaming Services Payments Rewards Earning
3X points per $1Earn 3 points for every $1 spent on eligible streaming service payments.
Shopping 4
PlayStation Store Rewards Earning
5X points per $1Earn 5 points for every $1 spent on eligible purchases made at the PlayStation® Store.
PlayStation & Sony Products Rewards Earning
5X points per $1Earn 5 points for every $1 spent on eligible PlayStation® and Sony products purchased from authorized dealers.
Everyday Purchases Rewards Earning
1X point per $1Earn 1 point for every $1 spent on all other eligible purchases not falling into bonus categories.
PlayStation Rewards Redemption
Varies by redemption optionPoints earned can be redeemed for PlayStation® Store codes, games, accessories, and other eligible items.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING$50
Cash BackRequirement: Spend $500 in 90 days
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance 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 & APR
PENDINGStandard APR
Purchase APR: 21.24% - 30.24%
Balance Transfer APR: 30.24%
Cash Advance APR: 30.24%
Intro APR Offers
Intro Purchase APR: 0% for 12 months
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The PlayStation Visa Credit Card, issued by BreadFinance, is projected for 2026 to offer a sign-up bonus, typically in the range of 5,000 PlayStation Stars points after spending $500 within the first 90 days of account opening. Eligibility requirements include being at least 18 years of age, a U.S. resident, possessing a valid Social Security Number or ITIN, and meeting BreadFinance's creditworthiness criteria, which involves a satisfactory credit history and income assessment. Approval is subject to a comprehensive credit review.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: BreadFinance (formerly Comenity) generally does not enforce traditional 'card family' rules or 'once per lifetime' bonus restrictions like major banks. Instead, their primary consideration for new applications and credit limit increases is the applicant's overall creditworthiness and total credit exposure across all BreadFinance-issued products. While it's possible to hold multiple cards, approval for new lines is heavily influenced by your existing credit limits and payment history with the issuer, rather than specific card family restrictions.
Special Events: PlayStation Store seasonal sales (e.g., Spring Sale, Summer Sale, Black Friday Sale), new console or major game launches, PlayStation Plus subscription promotions, and exclusive cardholder offers tied to PlayStation events or anniversaries.
Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season (November-December), New Year's Sales (January), and other major retail holidays.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Strong rewards for PlayStation Store purchases and Sony products; good for dedicated gamers; offers bonus points on cable/internet and dining.
Top Negative:
Customer service issues with Comenity Bank; rewards can be limited outside of PlayStation ecosystem; general rewards rate is low.
Approval Experience: 65.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Amazon Prime Rewards Visa Signature Card
- Chase Freedom Flex
Card Value Score: 75.0 / 100
Est. Annual Rewards: $275.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: PSTN_PT_0124