GameStop Pro Credit Card: Rewards, Fees, and Review

If you spend a lot at GameStop, a store card that pays you back in points can sound like a no-brainer. The GameStop Pro Credit Card rewards regular shoppers, but the rewards are tied to a paid membership and the card carries a high interest rate. This review covers the exact rewards, the real APR and fees from the cardholder agreement, and who should actually carry it.

Figures are verified as of June 2026 against the Comenity Capital Bank agreement on file with the CFPB. Terms and conditions apply, and APRs vary by creditworthiness.

Key Facts at a Glance

As of June 2026. Confirm all terms on the official application before you apply.

What the GameStop Pro Credit Card Is

The GameStop Pro Credit Card is a store card issued by Comenity Capital Bank (Bread Financial), not by GameStop. It is a closed-loop card, meaning you can use it only for GameStop purchases, in store and online. It is designed to reward GameStop Pro members who shop there often.

Because it is store-only, it does nothing for spending outside GameStop, which is the main limit to keep in mind.

Exact Rewards

The GameStop Pro card uses a points program, not flat cash back.

• Cardholders earn 20 points per $1 on eligible purchases.
• Cardholders who also hold a paid GameStop Pro membership earn up to 40 points per $1 by stacking the card and membership benefits.
• Points are redeemable in store or online and do not expire while the account is active.

There is a membership angle to weigh: the richest 40-points-per-dollar rate needs a paid GameStop Pro membership (commonly around $25 a year), though new cardholders are often offered a free 12-month membership. GameStop has also advertised a welcome promo worth $85 or more in savings for new cardholders within 90 days of opening. Confirm the current offer at application, since these promos change.

APR and Fees

This is the part that decides whether the points are worth it.

• Purchase APR: 35.99% variable, tied to the Prime Rate (from the agreement's Rate Information chart)
• Annual fee: $0
• Monthly or maintenance fee: none
• Paper statement fee: $2.99 each month your balance is over $3.50 and a paper statement is mailed, up to $35.88 a year
• Minimum interest charge: $3.00
• Late payment fee: up to $41 ($30 if you had no late fee in the prior six billing periods, otherwise $41)
• Returned payment fee: up to $41
• Financing: Comenity may offer special deferred-interest plans on eligible purchases; if a deferred-interest balance is not paid in full by the promo end, interest is charged back to the purchase date

A 35.99% purchase APR is very high. Earning points and then paying interest is a losing trade, so this card only makes sense if you pay the balance in full every month. For background, see what APR means. To dodge the paper statement fee, switch to electronic statements.

Approval, Credit Limit, and Bureaus

Comenity does not publish a fixed minimum score for the GameStop Pro card, but reported figures put the typical bar around 640 or higher, meaning fair credit. Income, credit history, and ability to pay also factor in. Applying triggers a hard inquiry.

Starting credit limits are not published. Comenity may raise your limit after about six months of on-time payments and updated income on file, so treat any reported figure as typical, not guaranteed. The card reports to all three major bureaus (Experian, TransUnion, Equifax), so on-time use builds positive history, while a store-only card alone does little for your overall credit mix.

Pros and Cons

Pros

• Generous points if you shop at GameStop often, especially with a Pro membership
• No annual fee on the card itself
• Reports to all three major bureaus, and easier approval than many premium cards
• Points do not expire while the account is active

Cons

• Store-only: useless outside GameStop
• 35.99% purchase APR punishes any carried balance
• The best rewards rate requires a paid membership
• A monthly paper statement fee unless you go paperless
• Special-financing (deferred-interest) promos charge back interest from the purchase date if not paid in full by the promo end

Who it is for, and who should skip it

The GameStop Pro Credit Card fits a dedicated GameStop shopper who is already a Pro member, buys games and gear there regularly, and pays in full every month. Skip it if you shop at GameStop only occasionally, if you sometimes carry a balance, or if your main goal is building credit broadly.

If Your Real Goal Is Building Credit

If you are mainly trying to build credit, a card you can use everywhere usually does more for your score than a single-store card.

If approval is a concern, the Aspire Mastercard is an unsecured card with no security deposit that works anywhere Mastercard is accepted and reports your payments to the major bureaus, which helps you show on-time history and keep utilization low.

If you would rather build without a deposit and let your paycheck do the work, consider Perpay. Perpay is powered by your paycheck — no security deposit, shop and pay over time while it reports to all three bureaus, members see an average 32-point increase. A free tool like Creditship.ai lets you track your score as it climbs.

If you want room for your limit to grow, the Arro Card is an unsecured starter card with no deposit and no hard credit check; start with a limit up to $300 that grows toward $2,500 via in-app tasks, reports to all three bureaus. Unlike a secured credit card, it does not tie up cash in a deposit, so more of your money stays available while you build history.

Frequently Asked Questions

Who issues the GameStop Pro Credit Card?

Comenity Capital Bank (Bread Financial) issues it. It is a closed-loop store card, so you can use it only for GameStop purchases in store and online, not as a general-purpose card.

What rewards does the GameStop Pro Credit Card earn?

Cardholders earn 20 points per $1 on eligible purchases, and up to 40 points per $1 when combined with a paid GameStop Pro membership. Points are redeemable in store or online and do not expire while the account is active.

What is the APR and what credit score do you need?

The purchase APR is 35.99% variable, tied to the Prime Rate. That is very high, so the points only pay off if you clear your balance in full each month. Reported figures put the typical approval bar around a 640 or higher credit score, though Comenity weighs income and history too.

Does the GameStop Pro card have any other fees?

There is no annual fee, but there is a paper statement fee of $2.99 a month (up to $35.88 a year) when a paper statement is mailed and your balance is over $3.50. Late and returned payment fees run up to $41. Switching to electronic statements avoids the paper fee.