PlayStation® Visa® Credit Card
Basic Information
Program ID: playstation-visa-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:40
Last Scraped: 01/15/2026 14:41
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: | $40.00 |
| Returned Payment: | $40.00 |
| 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: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $15,000.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Points will be awarded to your PlayStation Stars account 6-8 weeks after you meet the spending requirement.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x PlayStation Store, 3x Cable & Internet, 3x Mobile Phone, 3x Streaming Services
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as your account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- No Foreign Transaction Fees
Premium Benefits
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: For 2026, new cardholders are anticipated to receive a sign-up bonus, typically a statement credit or PlayStation Store credit (e.g., $100) after meeting a specified spending threshold (e.g., $500) within the first 3 months of account opening. Eligibility requirements include being at least 18 years old, a U.S. resident with a valid Social Security Number, and possessing a good to excellent credit history. Approval is subject to BreadFinance's comprehensive creditworthiness assessment, considering income, existing credit obligations, and overall credit profile.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (multiple applications with BreadFinance in a short period), high cumulative credit limit across all BreadFinance products, missed or late payments, sudden drastic changes in spending patterns inconsistent with historical behavior, or suspected fraudulent activity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Excellent rewards for PlayStation enthusiasts, especially on PS Store purchases and related services. Good for building credit for gamers.
Top Negative Feedback:
Customer service can be challenging, high APR, limited redemption options outside of PlayStation ecosystem, rewards not as valuable for general spending.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Xbox Mastercard
- Amazon Prime Rewards Visa Signature
- Discover it Cash Back
Card Value Score: 75.0 / 100
Est. Annual Rewards: $140.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 60% General / 40% Brand-Specific
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023