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PlayStation® Card from Capital One®: A Great Card For Gamers

PlayStation® Card from Capital One®
This card is not available through ValuePenguin.

PlayStation® Card from Capital One®: A Great Card For Gamers

PlayStation and Capital One® came together to offer gamers a great rewards card. 5 points per dollar on purchases through the PlayStation store is quite the deal. We estimate that to be a 5% value.
Editor's Rating: 4.0/5.0

Editor's Rating


Some of the staff here at ValuePenguin, myself included, happen to be big gamers. And when it comes to the next gen consoles we've all chosen to get behind the PS4.(Sorry Xbox Fans!) It was a pleasant shock to us when we came across the PlayStation Credit Card from Capital One a card that combined our love of games and personal finance. We're generally not a big fan of narrow use rewards credit cards. More often than not they make it hard to earn rewards. Even when you do earn rewards the rewards rate isn't much to talk about. The PlayStation Credit Card is one of the few examples we actually think is worth discussing.

Ridiculous Rewards on PlayStation Store Purchases

What really makes this credit card stand out is the ridiculously high rewards rate PlayStation owners stand to earn when making purchases on the PlayStation Store. The card rewards gamers with 5 points through Sony's reward program for every dollar spent. With points converted at a penny each towards games, accessories and gift cards, cardholders effectively receive a 5% value on all money spent through the PlayStation Store. Note you cannot redeem 1 point for $0.01. Instead, you need accumulate a certain number of points before you can use them to get rewards. For example, you can exchange 1,000 points to get a $10 PlayStation store code. Even the most generous travel rewards credit cards top off at 3-4% in value per purchase.

Growing Digital Options

In the past even the high reward rate may not have been attractive simply because there weren't many products you could buy through the PlayStation Network or Store. Nowadays however with nearly every major title releasing purchasable DLCs and Season Passes the digital options have opened up tremendously. If you're like me then you've even purchased digital copies of games directly from the store itself. The digital offerings are only going to get bigger as it is clear Sony had made it a big focus in their strategy. Each month the library of digital only indie titles continues to grow. Multiplayer fans paying for PlayStation Plus can add that on as another expense to earn rewards with.

Best of all the card has no annual fees, making it the perfect card to keep around for the singular purpose of squeezing out a little more value in your gaming purchases. If you're gamer that buys any digital content you really should consider making this your primary billing card when it comes to your PlayStation. The best strategy is to have this card and use it solely for your digital purchases or those you might make at

An Added $50 PlayStation Store Code

If the 5 points per dollar— which we estimate to be a 5% value—isn't reason enough, new cardholders are also being offered a $50 PlayStation Store code after their first purchase within the first 90 days of getting the card. If you're thinking about buying any DLC content why not take advantage of nearly a free game worth of value. If you don't have any immediate purchase plans buying credits to extend your PlayStation Plus membership is a viable way to earn the credit.

Obviously the one drawback with digital content is that you generally can't return or resell it. So if you like to sell your used games to stores like gamestop this card may be of a little less value. As with all rewards credit cards, the PlayStation® Card from Capital One® will only be worth it if you pay off your balance every month.

PlayStation® Card from Capital One®
PlayStation® Card from Capital One®
This card is not available through ValuePenguin.
Annual Fee
No Annual Fee
Purchase APR
15.49% - 24.99% Variable
Credit Needed Good

In-Depth Analysis

Card Features

A break down of how the card works including how rewards are earned and your redemption options.

Rewards Rates

When it comes to spending on PlayStation's digital content, this card provides a world class rewards rate. If you're a big fan of Sony electronics, the 5 points per dollar for purchases through or the Sony Store is not too shabby either.

Spending Category


PlayStation Store

5 points per $1 spent

PlayStation® and Sony® products at authorized retailers with purchase confirmation

5 points per $1 spent

Mobile phone bill

3 points per $1 spent

All Other

1 point per $1 spent

Redeeming Rewards

In order to redeem rewards, cardholders must be a member of Sony's loyalty program at Points earned through the card are associated with the account at Sony Rewards and can be used their for different redemption options. Effectively each reward point is worth a penny towards items available through the reward store, which includes games, movies, gift cards and just about every type of Sony product.

Comments and Questions

Opinions, analyses, reviews, or recommendations expressed here are the author's alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer's Affiliate Program. For a full list of our advertisers see our disclosure page

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: Premier Rewards Gold Card from American Express, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Amex EveryDay® Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, Starwood Preferred Guest® American Express Luxury Card, and Amazon Business American Express Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred® Card points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).