The GameStop Pro Credit Card is a store-branded credit card issued by Comenity Capital Bank. It's designed for frequent shoppers looking to maximize their rewards on video games, hardware, and collectibles. If you spend significant money on consoles, trading cards, and gaming merchandise, understanding how this card works helps you decide if it fits your wallet.
This card provides 2% back in rewards on purchases made online and in-store for cardholders who also hold a GameStop Pro membership. New cardholders also get a free year of GameStop Pro membership when they make an eligible purchase within 90 days of account opening. There's no annual fee, but carrying a balance exposes you to high store-card interest rates.
Core Benefits and Rewards Structure
Maximizing the card depends on stacking its features with the standard GameStop Pro tier.
- Earn 2% Back in Rewards: Cardholders earn up to 20 points per dollar spent on eligible purchases at GameStop, translating to roughly 2% back.
- Free Pro Membership Extension: Opening the card and using it within 90 days adds one free year of GameStop Pro (a $29.99 value) to your account or extends your current expiration date.
- Non-Expiring Points: Active cardholders enjoy points that don't expire, letting you stack balances toward high-ticket items like new consoles.
- No Annual Fee: You won't pay a yearly maintenance charge just to keep the account open.
Points accumulate when you attach your verified GameStop account email to your credit card profile. Exclusions apply to certain purchases, such as digital gift cards, specific reservations, and the initial membership fee itself.
Fees, APRs, and Potential Pitfalls
Store credit cards often carry higher interest rates than general-purpose rewards cards. Comenity Capital Bank manages the underlying account terms, which include strict penalty structures if payments aren't handled responsibly.
- High Variable APR: Retail cards typically feature purchase APRs hovering around high double digits. If you don't pay your statement balance in full every month, interest charges will quickly erase any rewards you earn.
- Late Payment Penalties: Missing your payment due date triggers late fees that can reach up to $41 depending on your state and recent payment history.
- Deferred Interest Promos: Special financing offers might be available for large console purchases. Read the fine print carefully: deferred interest plans require you to pay the entire promotional balance before the deadline, or you'll owe retroactive interest from the original purchase date.
You can review complete regulatory disclosures and cardholder terms directly through the Comenity Capital Bank GameStop Portal.
How to Apply and Qualify
Applying for the card is available both online through the official GameStop Pro Credit Card Page and at physical retail locations during checkout.
- Check Requirements: You must reach the age of majority in your state, hold a valid government-issued photo ID, provide a social security number, and supply a physical residential street address (P.O. boxes aren't accepted).
- Submit Application: Fill out your personal and income details. Comenity Capital Bank will run a credit check to evaluate your creditworthiness.
- Make an Initial Purchase: To secure the bonus free year of Pro membership, you must complete at least one qualifying transaction using the new card within 90 days of approval.
Former holders of the legacy PowerUp Rewards credit card don't need a brand-new application, as legacy accounts transition into the updated program framework.
Frequently Asked Questions
Do I need a paid Pro membership to get the card?
No, you don't need a paid Pro membership to apply for or hold the card, but you must maintain a free GameStop account to track and accrue points. However, maximizing the 2% rewards rate requires linking it with an active Pro membership.
Can I use this credit card anywhere outside of GameStop?
Because this is a store credit card issued by Comenity Capital Bank, its usage is generally restricted to GameStop retail stores and the official website, unless the specific card version issued to you carries a major network logo like Visa or Mastercard for general acceptance. Always check your specific card agreement terms.
What happens to my points if I close the account?
If you close your credit card account, your points become subject to standard expiration guidelines. For regular Pro members, points expire one calendar year from the date they were earned, and letting your Pro tier lapse causes accumulated points to vanish.
How do I avoid paying interest charges?
You can completely avoid paying interest on purchases by paying your entire statement balance in full by the due date each month, which is at least 21 days after the close of each billing cycle.
