Comenity Bank
PlayStation® Visa® Credit Card Review 2026
5 points per $1 on PlayStation and Sony purchases, plus tiered rewards on streaming and dining — no annual fee.
Who PlayStation® Visa® Credit Card is best for
PlayStation/Sony households with good credit who want gaming-focused rewards on a card usable everywhere Visa is accepted.
At a glance
- Annual fee
- $0
- Purchase APR
- 17.49% or 31.49% variable
- Top rewards rate
- 5 pts/$1
- Welcome offer
- $100 credit
Verified Aug 2026
Assigned by creditworthiness, per Comenity Bank
PlayStation Store, playstation.com, Sony products at authorized retailers
After $500 spend in first 60 days
Pros
- +5 points per $1 direct from PlayStation and on Sony products — a strong niche rate
- +General-purpose Visa, usable anywhere Visa is accepted, not store-only
- +No annual fee
- +$6,000/yr spend threshold unlocks a 12-month PS Plus Premium membership
Cons
- −31.49% APR tier applies to lower-creditworthiness approvals — high if you carry a balance
- −Typically requires good credit (700+) to qualify
- −1 point per $1 on general purchases is modest next to dedicated 2% flat-rate cash-back cards
- −PS Plus Premium perk requires a high $6,000/yr spend threshold
PlayStation® Visa® Credit Card requirements
- Good credit (700+) typical
- US residents 18+
- Hard credit pull required
PlayStation® Visa® Credit Card alternatives
Top alternatives worth comparing from PlayStation Visa Credit Card: Complete 2026 Guide.
Comenity Capital Bank
GameStop Pro Credit Card
Want a higher points rate specifically at GameStop stores, and don't need a general-purpose Visa
Not sure which card fits?
Answer 3 quick questions and get matched to the right card type for your spending profile.
Find your card type — 60-second quiz→The full lineup
See all picks in PlayStation Visa Credit Card: Complete 2026 Guide
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
PlayStation® Visa® Credit Card scores 4.0 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: PlayStation/Sony households with good credit who want gaming-focused rewards on a card usable everywhere Visa is accepted.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about PlayStation® Visa® Credit Card
Does the PlayStation card earn rewards on Sony products outside the PlayStation Store?+
Yes — the 5-points-per-$1 rate applies to PlayStation and Sony product purchases at authorized retailers with purchase confirmation, not just playstation.com, per issuer terms verified August 2026.
What's the lower APR tier for on the PlayStation card?+
Comenity assigns either the 17.49% or 31.49% variable APR tier based on the applicant's creditworthiness at approval — stronger credit profiles are more likely to receive the lower rate, though Comenity doesn't publish exact score cutoffs.
Is ClearValue Lending a bank or card issuer?+
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the PlayStation Visa Credit Card. The card is issued by Comenity Bank on behalf of Sony/PlayStation. Rates, fees, and terms are determined solely by the issuer and may change — verify current terms directly with the issuer before applying.
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Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.
https://clearvaluelending.com/reviews/playstation-credit-card