5 Things to Know About the GameStop Credit Card

The GameStop Pro Credit Card, issued by Comenity Bank, might sound appealing to gamers looking for a way to boost their savings. But unfortunately, in gaming parlance, this card is pretty well nerfed.

It can be used only at brick-and-mortar GameStop stores or on the retailer’s website, and the rewards you earn — which also are usable only with GameStop — aren't worth very much. In addition, while the card itself doesn't have an annual fee, getting the most out of using it will require you to have a paid GameStop membership.

Other credit cards targeted toward gamers can offer more value, as could a general cash-back credit card that has flexible redemption options.

Here are five things to know about the GameStop Pro credit card.

» MORE: NerdWallet’s best store credit cards

1. Rewards hinge on your GameStop membership status

It's free to open a baseline GameStop account, and indeed you'll need one in order to earn points with the GameStop Pro credit card.

But the retailer also has a paid membership tier, called GameStop Pro. And while you don't need to join GameStop Pro to get the GameStop Pro credit card, having that membership will boost your reward earnings. Here's how it works:

• A GameStop Pro membership, which costs $25 a year, snags you several benefits, including 20 points for every dollar you spend on eligible purchases with GameStop. (Gift cards don't count.)

• Identically, the GameStop Pro credit card earns 20 points per dollar spent on eligible GameStop purchases. Among the card's benefits, you'll get a year of GameStop Pro membership for free.

So if you have both the GameStop Pro credit card and a Pro membership, you can stack earnings to get 40 points per dollar spent with GameStop. That sounds like a lot of points, but it helps to understand what they're worth.

» SEE: Our best credit cards for entertainment spending

2. Points values are poor

Per GameStop's terms, you can redeem "as little as 1,000 points for a $1 Reward Certificate." That means that points are worth a meager 0.001 of a cent each. By comparison, the best rewards credit cards usually offer points worth at least a full penny each.

Given that point valuation, it may be easier to think of your rewards rate in terms of a percentage:

• GameStop Pro members who hold the GameStop Pro credit card essentially earn 4% back (in points, not cash) for every dollar spent with GameStop.

• GameStop Pro credit card holders without a GameStop Pro membership earn 2% back in points per dollar spent at GameStop.

Because you're earning points instead of cash back, you can redeem your rewards only with GameStop. It's also worth noting that, unless you have the GameStop credit card, points will expire one calendar year from the date you earned them. Similarly, if you cancel your GameStop Pro membership or let it lapse, you'll also lose any accrued points.

Even if you spend a lot of money with GameStop, you'll do just as well or better with a general-purpose rewards credit card, like the Wells Fargo Active Cash® Card. It, too, has a $0 annual fee, but it earns 2% cash back on all eligible purchases, not just with GameStop. And those rewards won't expire. If you bought a GameStop Pro membership and put your GameStop purchases on the Wells Fargo Active Cash® Card, you'd still collect a total of 4% back in rewards (2% cash back from the card, 2% back in store points from the GameStop Pro membership). On top of that, the Wells Fargo Active Cash® Card features a rich welcome offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

That could translate to a lot of potential gaming.

» SEE: Our best rewards credit cards

3. There's a modest welcome bonus

New applicants will get a free year of GameStop Pro when they sign up for the card and use it within 90 days of account opening. If you’re already a Pro member when you get the card, your Pro membership will be extended by 12 months from account opening.

Again, the Pro membership typically costs $25 per year and earns you an additional 20 points per dollar at the retailer. But Pro members also get other perks usable with GameStop, including:

• A one-time $5 enrollment reward.

• A $5 monthly reward.

• Early access to new releases.

• Free shipping on eligible orders.

• 5% off select items like digital games and pre-owned products, among other perks.

But note that these benefits come as a result of your Pro membership, not from the credit card itself. As a cardholder, once your free Pro membership ends, you'll have to decide whether it's worth continuing to pay the $25 fee.

4. It doesn’t have an annual fee, ideal for your XP

The card doesn’t cost anything to carry, which is good for credit noobs and can make it easier to keep a card for longer. Length of credit history, which is how long an account has been open, is a significant factor in your credit scores.

Generally, keeping a credit card open and in good standing can positively impact your credit.

5. Carrying a balance can inflict damage over time

As of February 2025, the variable APR for purchases made with the card can exceed 35%. This is significantly higher than the average APR charged for cards that incur interest, making it costly to carry a balance from month to month.