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GameStop Credit Card Review 2026: Is It Worth It?
July 1, 2025
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If you're a regular GameStop shopper, you've probably been asked at checkout whether you'd like to apply for the GameStop Pro Credit Card. Before you say yes, here's what you actually need to know: this is a closed-loop store card that can only be used at GameStop — and while it offers solid rewards for frequent in-store shoppers, it comes with a high variable APR that makes carrying a balance genuinely costly.
This review covers everything: how the rewards really work, what the card costs, who it makes sense for, and what alternatives to consider.
The Kudos Take on the GameStop Pro Credit Card
We think the GameStop Pro Credit Card is a reasonable fit for a narrow audience: people who shop at GameStop regularly, already pay for (or want) a GameStop Pro membership, and reliably pay their balance in full each month. For everyone else, the card's high variable APR and limited usability make better general rewards cards the smarter move.
What's New in 2026
The card was previously known as the GameStop PowerUp Rewards Credit Card. GameStop rebranded it as the GameStop Pro Credit Card in 2024, and all previous PowerUp cardholders were transitioned to the new version at that time. If you've seen the older name referenced elsewhere, it's referring to the same card.
GameStop Pro Credit Card: Quick Facts
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Understanding the Basics of the GameStop Pro Credit Card
The GameStop Pro Credit Card, issued by Comenity Bank, is a store credit card designed for frequent GameStop shoppers. It is not a general-purpose Visa, Mastercard, or other network card — it can only be used for purchases at GameStop in-store and at gamestop.com. This distinction matters enormously and is the single most important limitation to understand before applying.
The card integrates with GameStop's loyalty ecosystem, which has two tiers: a free baseline GameStop account and a paid GameStop Pro membership at $25 per year. You don't need a Pro membership to get the card, but having one significantly boosts your earning rate — which we'll break down below.
How the Rewards Actually Work
The GameStop Pro Credit Card earns points based on your membership level:
Without a GameStop Pro membership (free tier):You earn 20 points per $1 spent on eligible GameStop purchases. At this rate, 10,000 points = $10, so you're effectively earning 2% back on GameStop spending.
With a GameStop Pro membership ($25/year):You earn 40 points per $1 spent on eligible GameStop purchases. At 40 points per dollar, 10,000 points = $10, giving you an effective rate of 4% back on GameStop spending — a solid rate for a store card.
Free first year of GameStop Pro membership: When you activate the GameStop Pro Credit Card, you receive your first year of GameStop Pro membership at no charge (a $25 value). This means in year one, you're effectively earning at the higher 40 pts/$1 rate without paying the membership fee.
Points never expire as long as your card account remains active, which is a genuine benefit compared to some loyalty programs with annual expiration windows.
Note: Gift card purchases are not eligible for points earning.
Pros and Cons
Pros:
- No annual fee — the card itself costs nothing to hold
- Free first year of GameStop Pro membership ($25 value) upon activation
- Strong rewards rate for dedicated GameStop shoppers — up to 40 pts/$1 with Pro membership
- Points never expire for active cardholders
- Accessible to applicants with fair credit (approximately 600+)
- Useful for building credit history with responsible use
Cons:
- Can only be used at GameStop — not a general-purpose card
- High variable APR makes carrying a balance expensive; see current rate at Comenity Bank
- No welcome bonus with a spend requirement and time period (the 5,000-point offer is relatively modest)
- No intro APR offer on purchases or balance transfers
- No balance transfer option
- Limited redemption options — points can only be redeemed for GameStop rewards, not cash back, travel, or gift cards elsewhere
- After the free first year, a $25 annual Pro membership fee applies if you want the elevated 40 pts/$1 rate
Who Is the GameStop Pro Credit Card For?
The GameStop Pro Credit Card makes most sense for a specific type of person:
Good fit if you:
- Shop at GameStop regularly — at least a few times per month
- Already pay for a GameStop Pro membership (so you're extracting 40 pts/$1)
- Pay your credit card balance in full every month without exception
- Are building credit and want a no-annual-fee card with accessible approval requirements
- Want to maximize discounts and rewards within the GameStop ecosystem specifically
Not a good fit if you:
- Shop at GameStop occasionally or only for major releases
- Might carry a balance month-to-month — the variable APR makes this costly
- Want a card you can use beyond one retailer
- Are looking for transferable rewards, cash back, or travel perks
- Want a meaningful welcome offer with a defined spend requirement
Applying for the GameStop Pro Credit Card
How to apply: You can apply online at the GameStop website or directly in-store at any GameStop location. The application requires standard personal information including your Social Security number and income details. Applications are typically reviewed quickly.
Credit score requirements: The GameStop Pro Credit Card is accessible to applicants with fair credit — generally defined as a score around 600 or higher. This makes it one of the more accessible store cards for people earlier in their credit journey, though approval is not guaranteed and depends on your full credit profile.
Managing Your Account: Login and Payments
Your GameStop Pro Credit Card account is managed through Comenity Bank, not through GameStop directly.
To log in: Visit the Comenity Bank website and access your GameStop credit card account with your username and password. From there you can view your balance, review transactions, check your points balance, and make payments.
Payment options:
- Online via your Comenity Bank account
- By phone (number found on the back of your card or your monthly statement)
- By mail
Setting up automatic payments is strongly recommended to avoid late fees and to protect your credit score. Given the card's variable APR, paying the full statement balance each month — rather than the minimum — is the most important habit to maintain.
The GameStop Pro Credit Card vs. Better Alternatives
For shoppers who want to earn rewards at GameStop without the limitations of a store card, a few general rewards cards are worth considering. Unlike the GameStop Pro Credit Card, these can be used anywhere and often earn strong rewards on everyday categories:
If you want flat-rate cash back: A card that earns 2% cash back on all purchases will match or beat the GameStop Pro Credit Card's 40 pts/$1 rate (4% effective) only on GameStop spending, and will cover everything else you buy. No Pro membership fee required.
If you want rotating bonus categories: Cards that offer 5% cash back on quarterly rotating categories — which sometimes include electronics or online retailers — can outperform the GameStop card for periodic high-spend periods.
If you're building credit: A secured card from a major bank or credit union often comes with lower APRs and broader usability than the GameStop Pro Credit Card, making it a better foundation for credit building.
The core limitation of the GameStop Pro Credit Card is that it locks your rewards into a single ecosystem. If you're confident you'll spend $50–$100+ per month at GameStop, it becomes more competitive. For most people, a general rewards card used at GameStop will be just as rewarding — and far more flexible.
What Real Cardholders Are Saying
Based on community discussions from Reddit and other forums, the recurring themes around the GameStop Pro Credit Card are consistent: the rewards are genuinely useful for heavy GameStop shoppers who pay their balance in full, but the high variable APR makes it a poor choice for anyone who might carry a balance. Community members frequently highlight that the card's value is tightly tied to how much you actually shop at GameStop — and that for occasional shoppers, the limitations outweigh the perks.
Common feedback points include: the importance of paying the full balance every month, awareness of potential auto-renewal charges (review your statements carefully), and the fact that the card works best when combined with an active GameStop Pro membership to hit the elevated earning rate.
Common FAQs
Is the GameStop Pro Credit Card the same as the PowerUp Rewards Credit Card?
Yes. The card was formerly known as the GameStop PowerUp Rewards Credit Card and was rebranded to the GameStop Pro Credit Card in 2024. Existing cardholders were automatically transitioned to the new version.
Can you apply for the GameStop Pro Credit Card in-store?
Yes — applications are accepted both online and at any GameStop store location.
How much are GameStop points worth?
10,000 points are worth approximately $10 in GameStop rewards, making each point worth roughly $0.001 (one-tenth of a cent).
How does GameStop Pro membership affect the card?
A GameStop Pro membership costs $25 per year and doubles your earning rate from 20 pts/$1 to 40 pts/$1 on eligible GameStop purchases. The card comes with a free first year of Pro membership upon activation — after that, you'll pay $25/year to maintain the elevated rate.
What is the APR on the GameStop Pro Credit Card?
The card carries a variable APR — the specific rate is available at Comenity Bank's website and on your card terms. Given that this is a store card accessible to fair credit applicants, the variable APR is on the higher end; paying your balance in full each month is essential.
How do I check my GameStop card balance?
Log in to your account at the Comenity Bank website. You can view your current balance, transaction history, and available points from your account dashboard.
Can you use two forms of payment on GameStop online?
Yes — GameStop's website allows you to combine your store credit card with other payment methods, including store credit or gift cards, during checkout.
How do GameStop Pro rewards redemptions work?
Points can be redeemed at GameStop for rewards certificates, which function like store credit toward future purchases. Redemption options are available in-store and online through your GameStop account.
Bottom Line: Is the GameStop Pro Credit Card Worth It?
For a narrow group of gamers, yes. If you shop at GameStop frequently, reliably pay your balance in full each month, and want to extract extra value from a $25/year Pro membership you'd be paying for anyway, the GameStop Pro Credit Card delivers a solid 40 pts/$1 (4% effective) earning rate at no card-specific annual fee.
For everyone else — occasional GameStop shoppers, anyone who might carry a balance, or people looking for a card with broad usability — a general rewards card will serve you better. The combination of store-only usability and a high variable APR means the GameStop Pro Credit Card's upside is real but tightly constrained.
If you do get this card, the rules are simple: use it every time you shop at GameStop, pay the full statement balance every month without exception, and take advantage of that free first year of Pro membership to maximize your earning rate.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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