Sony Credit Cards: Everything You Need to Know

Sony offers two credit cards: the Sony Rewards Visa Signature Card and the Sony Credit Card.

The Sony Rewards Visa Signature Card offers 3x points on Sony purchases, with no foreign transaction fees.

You can earn points on purchases, not just on Sony products, but also on other purchases that you make with your card.

The Sony Credit Card offers a 0% introductory APR for 6 months on purchases and balance transfers.

You can also earn points on purchases with the Sony Credit Card, but the earning rate is lower than the Sony Rewards Visa Signature Card.

The Sony credit cards have some amazing benefits and features that make them worth considering.

One of the best things about these cards is that they have no annual fee, which is a huge plus.

You'll also earn 5X rewards with Sony, which is a great way to rack up points quickly.

In addition to Sony rewards, the PlayStation Visa card offers 3X rewards on cable and internet bill payments, which can be a big help if you're paying for these services.

The Sony Visa card also offers 5X rewards on select entertainment purchases, 2X rewards on dining and rideshares, and 1X rewards on everything else.

The PlayStation Visa card offers a slightly different rewards structure, with 3X rewards on cable and internet bill payments, 2X rewards on dining, and 1X rewards on everything else.

Here's a quick rundown of the rewards structures for both cards:

Overall, the Sony credit cards have some great benefits and features that can help you earn rewards and save money.

To apply for a Sony credit card, you'll need to be at least 18 years old and have a valid Social Security number.

You can apply online, by phone, or through the mail, and approval typically takes a few minutes.

Once you're approved, you'll receive your card in the mail within 7-10 business days.

To have good approval odds for the Sony Visa Credit Card, you'll want to have a credit score of 700 or better. This is considered good credit.

Your annual income and existing debts will also play a role in determining your approval odds. The credit card company will consider these factors when evaluating your application.

To qualify for the Sony Credit Card, you'll need to be at least 18 years old and have a U.S. mailing address and a valid SSN or ITIN.

Here's a quick rundown of the requirements for good approval odds:

Keep in mind that meeting the credit score requirements doesn't guarantee approval, as the credit card company considers many other factors.

The Sony Visa Credit Card is an example of a credit card that offers limited value in redemptions, but can still be a good option for those who want to use their points for specific rewards.

If you're considering applying for a loan, it's essential to weigh the potential benefits against the potential drawbacks. There is limited value in redemptions for the Sony Visa Credit Card, but it might still be a good option for gamers and film enthusiasts.

The key to getting the most out of a credit card or loan is to understand the terms and conditions, including the interest rates and repayment terms. If you play your cards right with the Sony Visa Credit Card, you might find something enticing to cash out some points on.

Ultimately, the decision to apply for a loan should be based on your individual financial situation and goals. The Sony Visa Credit Card is an interesting option for those who want a credit card that can be used for various purposes, including buying games or paying off a gas bill.

If you don't qualify for the Sony Visa credit card, you might still be approved for the Sony Credit Card, a closed-loop store card with lower credit requirements.

This store card is a separate application from the Visa card, and you'll apply for both when you submit your Sony Visa application.

The Sony Credit Card is only accepted at Sony or PlayStation stores, including online, and you won't earn rewards on purchases outside of these locations.

However, you'll still earn 5X rewards on Sony purchases and receive a similar welcome bonus to the Visa version.

You can also earn a statement credit bonus after making a purchase the same day you open your store card account at a Sony location or online.

Here's a quick comparison of the two cards:

To get a PIN for your credit card, you can call customer service at (866) 281-2504. They will mail the PIN to the address on file in 7-10 business days.

If you need a PIN to get a cash advance at an ATM, be aware that these transactions incur hefty fees and start accruing interest immediately.

You can use your Sony Visa Credit Card virtually everywhere in the world, as long as the merchant accepts Visa.

The card comes with a 3% foreign transaction fee, which means you'll incur extra charges for international purchases.

You can earn 5 points for every dollar spent on purchases with this card, making it a great option for those who want to rack up rewards.

Paying your Sony Visa Credit Card bill is a straightforward process. You can choose from several options to make a payment.

To pay online, log in to your online account and find the payment button. You can also use the EasyPay feature to make a payment.

If you prefer to pay by phone, call 1-866-518-3992 and enter your card information when prompted.

You can also pay by mail by sending a check or money order to Comenity Bank at PO Box 182273, Columbus, OH 43218. Be sure to write your credit card number on the check and send it early enough to arrive by the due date.

Here are your payment options summarized:

The minimum payment on your Sony Credit Card is determined by the greater of $25 or 1% of your revolving balance, plus interest and fees.

If your balance is less than $25, your minimum payment will be equal to your balance.

You can use your card virtually everywhere in the world, as long as the location accepts cards on the Visa network. This includes both domestic and international transactions.

The Sony Visa Credit Card has a 3% foreign transaction fee, which means you'll incur extra charges for international purchases. This fee is something to consider when making international transactions with your card.

You can earn 5 points for every $1 spent on purchases with the Sony Visa Credit Card, making it a great option for frequent shoppers.

If you're not satisfied with your Sony Visa Credit Card, you can return it. The credit card issuer has no say or influence on how credit cards are rated, but according to our research, the card's features and bonus offers are worth considering.

To return the card, you'll need to contact the issuer. The card's annual fee varies based on your creditworthiness, ranging from 19.24% to 27.99%, depending on the market and Prime Rate.

You can earn $125 in statement credit when you spend $500 within 60 days of account opening. This offer ends on 3/31/24, so be sure to act quickly.

The card offers 5x points on Entertainment, including concerts, sporting events, and digital downloads. You can also earn 5x points when shopping at the Sony Store and authorized retailers.

Here's a quick rundown of the card's rewards structure:

Keep in mind that the card's APR will vary based on your creditworthiness and the market.

If you're considering getting a Comenity credit card, you're likely looking for a card that aligns with your spending habits and interests.

Comenity may be right for you if you're an avid gamer, especially if you're a PlayStation fan. You can get solid value from the Sony Card on your gaming purchases and through redeeming earned points on Sony Rewards.

Entertainment enthusiasts can also benefit from Comenity, as you can earn great rates on your purchases in an uncommon bonus category, such as movies, concerts, and other entertainment-related activities.

If you're someone who enjoys gaming and entertainment, Comenity might be a good fit for you.

The Sony Card from Comenity has undergone significant changes since being sold to Comenity in 2019. It's now owned by Comenity, which has led to a steep dropoff in value and practicality.

The card's primary feature is earning 5X points per dollar on Sony products at the Sony Store or authorized retailers. This includes everything from PlayStation video games to home entertainment.

The Sony Rewards program is being phased out for a new yet-to-be-described rewards program. This uncertainty makes assessing the card's true value difficult.

The new rewards program is set to launch at the beginning of 2025, and all current and future earnings will be transferable. However, this doesn't change the fact that the card's value has declined sharply over the past few years.

The Bankrate team has taken a closer look at the Sony Card and found that it's not as valuable as it once was. Many rewards cards offer better rates in numerous categories and much more flexibility for using rewards.

The Sony Card from Comenity offers some great rewards, but let's compare it to other options.

You can earn 5x points on Entertainment purchases, such as concerts, movies, and digital downloads.

Other cards offer similar rates on these purchases, so it's worth exploring your options.

The Sony Card also rewards you with 5X points when you shop at the Sony Store and authorized retailers.

If you're looking for flexibility, you might find better deals with other cards.

You can earn 2x points on Restaurants & Fast Food, including takeout and delivery services.

This is a great perk for foodies and busy professionals.

The Sony Card also offers 2x points on Ride Share purchases, including taxis.

This can be a big money-saver for those who use ride-sharing services frequently.

You can earn 2x points per $1 spent on cable & internet bill payments.

This is a unique perk that can help you save on your monthly bills.

All other purchases made with the Sony Card earn 1x point.

This is a standard rewards rate, but it's still a great way to earn points on your daily purchases.

The Sony credit cards have some great perks that make them worth considering. One of the standout features is the elevated bonus on entertainment purchases.

This bonus can be a game-changer for those who regularly spend money on things like concerts, movies, or dining out. It's also worth noting that bonuses on cable and internet purchases work in tandem with gaming-related purchases, making it a great option for avid gamers.

Here are some specific benefits of the Sony credit cards:

The Sony Visa Credit Card has some great features that make it a worthwhile option. One of the standout pros is that it offers an elevated bonus on entertainment purchases, which is a unique perk among credit cards.

If you're an avid gamer, you'll appreciate earning solid rewards on your Sony gaming purchases. This can add up to some real savings over time.

The card also offers bonuses on cable and internet purchases, which work in tandem with gaming-related purchases. This means you can earn rewards on multiple fronts, making it a great option for those who enjoy gaming and also pay for internet and cable services.

The Sony Card has a major drawback in its lack of perks. There isn't a single perk of any kind offered with this card.

You'd think even the most basic protections like zero fraud liability would be included, but no, the Sony Card doesn't even offer that.

The card previously had a welcome offer, but it's now gone, and there's no promise of it returning.

The Sony Card's rates and fees are a major con. The regular APR is higher than the average rate, making it a costly choice for daily spending.

You'll also pay a foreign transaction fee, which is a significant drawback for international travelers. This fee can add up quickly, especially on large purchases.

The balance transfer and cash advance rates and fees are also high, making it a less-than-ideal option for those looking to consolidate debt or access cash. These fees can be a major burden, especially for those who are already struggling financially.

There's no notable reason to hold this card, especially considering the complexity of earning and using your rewards. It's essential to weigh the costs against the benefits before making a decision.

The Comenity Card is a bit of a mixed bag. It's declined sharply in overall value over the past few years.

If you already spend frequently on Sony or entertainment purchases, it might still be worth considering. However, the lack of clarity regarding the new rewards program makes it difficult to recommend.

Many rewards cards offer better rates in numerous categories and much more flexibility for using rewards. This is especially true when it comes to perks and welcome offers that can add further value.

Unless you have specific redemptions from Sony in mind, it's hard to justify using the Comenity Card.