WalletHub Rating
1.8/5
Nice rewards Info about the GameStop Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.4/5
76 reviewsRead and write reviews
Editor’s Review
1.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
1.8
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
3.3
Other Features
0.0
1.8/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
33.24% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Receive 5,000 bonus points when you open and use your card within 90 days of account opening.
Earn 40 points (4% cash back) per $1 spent on all purchases with a Pro membership.
Earn 20 points (2% cash back) per $1 spent on all purchases without a Pro membership.
Free Year of GameStop Pro when GameStop Pro Credit Card is activated.
Points never expire for active cardholders.
GameStop Credit Card's Additional Info
Use your card to shop in store or online.
Exclusive offers.
Maximize benefits by signing up for Power-Up Rewards (Pro Membership is $25 per year).
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Learn More
at Comenity's secure site
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
August 1st, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
GameStop Credit Card Pros & Cons
No membership fees
High rewards rate
5,000 points initial rewards bonus
Qualify with fair credit
High regular APR
GameStop Credit Card Review
1.0 / 5
Nice rewards
The GameStop PowerUp Rewards Credit Card can help gamers rack up 40 points per $1 spent on all purchases with a Pro membership and 20 points per $1 spent on all purchases without a Pro membership. The Pro membership normally costs $25 per year, but the card gets you a free year when you activate it.
There's also an initial bonus, but it's worth just $5, and there's the potential for sporadic discounts moving forward. Nevertheless, getting this card likely means leaving a lot of value on the table compared to the market's best rewards credit cards.
No Annual Fee
The GameStop PowerUp Credit Card has many faults, but its fee structure is not among them. With no annual fee, it is $22.22 cheaper than the average credit card, according to WalletHub's latest Credit Card Landscape Report. With that being said, the GameStop Card is far from the only no-annual-fee rewards card on the market, so it's worth looking for a more lucrative offer.
Best for People with Fair Credit
As is the case with most store credit cards, you can get approved for the GameStop PowerUp Card with just “fair” credit. And since people with fair credit should prioritize low costs over other credit card features, this isn't a bad choice for folks focused on credit-building. If that's your aim, don't forget that you can monitor your progress withWalletHub's free daily credit score updates.
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Compare The GameStop Credit Card vs. Popular Alternatives
 GameStop Credit Card |  PlayStation® Visa® Credit Card |  Prime Visa |
|---|---|---|
1.8WalletHub Rating WalletHub Rating 1.8 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 1.0 User Reviews 3.4 Market Comparison 1.8 fees: 5.0 rewards: 0.0 cost: 3.3 Other Features: 0.0 | 3.7WalletHub Rating WalletHub Rating 3.7 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.2 Market Comparison 3.6 fees: 5.0 rewards: 3.8 cost: 3.3 Other Features: 0.0 | 4.3WalletHub Rating WalletHub Rating 4.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 Market Comparison 4.3 fees: 5.0 rewards: 4.1 cost: 4.5 Other Features: 0.0 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR33.24% (V) | Regular APR19.24%, 25.24% or 27.99% (V) | Regular APR20.49% - 29.24% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about GameStop Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
3
Upvotes
How do I apply for the GameStop Credit Card?
Reply
3
Robert Sambrick, WalletHub Analyst
@robsam
The easiest way you can apply for the GameStop Credit Card is online. Alternatively, you can submit an application at any GameStop location. You won't be able to apply for the GameStop Credit Card over the phone.
Keep in mind that you will need at least fair credit for this card, but the issuer will also take into consideration various other factors, like your credit history, your income and any debts you might have. You can check your credit score for free on WalletHub to see where you stand.
How to Apply for the GameStop Credit Card Online
- Visit the GameStop Credit Card webpage and click on “Apply.”
- Enter your name, address, date of birth, income, and contact information and click the “Next” button.
- Review the GameStop Credit Card's Terms & Conditions and hit “Submit Application.”
Some applicants receive a decision in seconds. If you're not immediately approved or denied, allow 7-10 business days for the issuer to review your application. You can also check your GameStop Credit Card application status at any time, by calling customer service at (855) 497-8168.
2
3
Upvotes
What's the GameStop Credit Card credit score requirement?
Reply
3
Leon Denerus, WalletHub Analyst
@Leo.DC
The GameStop Credit Card credit score requirement is 640, at a minimum. That means applicants need fair credit or better for approval.
Other factors, such as your annual income, credit history and your overall ability to make credit card payments will also be taken into consideration when evaluating your application. Applicants also need a physical U.S. address and be the age of majority in their state or territory. They also need a valid government-issued photo ID...
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2
1
Upvote
How do I increase my GameStop Credit Card credit limit?
Reply
1
Maria Adams, Credit Cards Moderator
@m_adams
You can increase your credit limit by using the card regularly, staying below your credit limit, and paying more than the minimum amount due each month. does not accept credit limit increase requests from cardholders, though they do keep track of your account activity to see if you are eligible for a credit limit increase. If you do qualify for a higher credit limit, the increase will apply automatically, and you will be...
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Upvotes
Can I use a GameStop Credit Card anywhere?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
No, you cannot use a GameStop Credit Card anywhere you want, as you can only use it for purchases at GameStop stores and on gamestop.com. This is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The GameStop Credit Card offers 20 points / $1 spent without a GameStop Pro membership and 40 points / $1 with a...
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2
Upvotes
How can I get a GameStop Credit Card cash advance?
Reply
2
Lee Olsen
@lee.olsen
You can get a GameStop Credit Card cash advance at any ATM using your card and your PIN code.
You can also take your card and ID to a teller at your local bank to ask for a cash advance.
Please keep in mind that cash advances are extremely expensive. They have a high interest rate without a grace period, but also a cash advance fee and depending on the location, you could...
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1
What are the fees for the GameStop credit card?
Reply
1
Theresa Chalfant, Writer
@theresa_chalfant
The GameStop Credit Card has a $0 annual fee, so it shouldn't cost you anything as long as you pay your full statement balance by the due date each month to avoid interest. The only fees are for late or returned payments and payments made over the phone.
Fees for the GameStop Credit Card
Type of Fee | Cost |
Late Fee | $30 to... |
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1
Upvote
What's the usual GameStop credit card approval time?
Reply
1
Hector Molina, WalletHub Analyst
@hectormolina
The Gamestop credit card approval time is usually short. It could be instant if your credit is good, but in some cases it may take up to 30 days.
1
Upvote
Why when I pay off the balance I get charged an extra $20 month when I don't use?
Reply
1
2
Upvotes
How does a GameStop Credit Card work?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
A GameStop Credit Card works like a regular credit card, on a buy-now-pay-later basis. When you use a GameStop Credit Card to make a purchase, you're borrowing money from the issuer to complete the transaction, and then repaying the amount by the due date, either in part or in full.
If you pay a credit card bill in full each month, you will avoid interest charges. Interest will apply if you do not pay the bill in full, and...
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GameStop Credit Card Reviews
Share your insights and review for the GameStop Credit Card
5
32%
4
24%
3
16%
2
14%
1
14%
3.4
76 reviews
76 reviews
What's Your Rating?
Most Recent
Jonathan
@jollygreengiant3032
4 Star Rating
Use it to purchase games/consoles at GameStop. Don't use the card for much else. Comes in handy for large video game related purchases that can be paid overtime when you don't want to drop a lump sum of money at one time.
Comment
James
@jimmyztt_zang
1 Star Rating
Fighting a two year old credit dispute that I've already paid for. They keep tacking on late fees after multiple conversations. If you prefer lousy service to say getting a colonoscopy, comenity bank may be perfect for you!
Comment
Heather
@heatherb_234
5 Star Rating
GameStop on Flatbush is great! All the employees are very helpful! Sabrina went over and beyond to help me! When I needed help the most she helped figure out what I needed for that very day which was my son's 13th Birthday. I couldn't find what I was looking for anywhere else and she made sure to find it and find my account online! She literally saved the day!
Comment
Matthew
@matthew_schmanski
3 Star Rating
Comenity Capital Bank really doesn't help or have the want to help it's credit card holders. Other than that the card itself really isn't too bad
Comment
Maria
@luisamaa01
5 Star Rating
So far I'm enjoying the card. Only draw back is low credit limit. Wating to see if they will give me an increase. If you are a gamer you will enjoy this card
Comment
Douglas
@dfs6996
3 Star Rating
Good card for GameStop purchases. I had this for a long time. I always pay at the end of the month. I rather use other credit card because of better perks.
Comment
Joseph C
@cunningj8
5 Star Rating
Love the ability to charge my game purchases using this card. The interest isn't too bad and the starting credit was plenty. i also like purchasing collectibles from GameStop.
Comment
Ashraf
@ashrafz
1 Star Rating
Very low starting limit even with a high credit score and the worst customer service. Definitely not worth an inquiry. There’s so many cards out there with better rewards and higher limits. I closed the day I got it because of the low limit.
Comment
1
raul
@rsoto1973
5 Star Rating
Gracias por todo gracias por la atención y la espera mucho pasiencia y la atención gracias gracias por la información gracias los saludos gracias gracia
Comment
eheule
@eheule
1 Star Rating
Don't get this card! On top of the poor rewards, high-interest rate, and poor customer service the bank has changed my credit limit 4 times in 3 years. I paid off the card in January 2020 and haven't used it in 45 days. They closed my account due to inactivity, in spite of the fact that I have never made a late payment. The reason, I don't own a home.
Comment
3
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