GameStop Pro Credit Card Review: Rewards, Fees & Benefits

Rewards

Category	Rate	Type	Cap
All Other Purchases Earn 20 points per $1 spent on eligible purchases at GameStop (equivalent to 2% back in rewards).	20x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Military Lending Act (MLA) Protections Covered active duty servicemembers and their dependents are subject to a 36% APR cap and the arbitration clause does not apply, per federal Military Lending Act requirements.	Financial	36% MAPR cap
No Annual Fee The GameStop Pro Credit Card carries no annual card fee for cardholders.	Financial	$0 Annual Fee Up to $0
Online Account Management Cardholders can manage their account, check balance, review transactions, and make payments 24/7 via the Comenity online portal or by phone.	Financial	Complimentary
Paperless Statements Cardholders can enroll in paperless statements to avoid the $2.99 monthly paper statement fee charged when balance exceeds $3.50.	Financial	Fee waiver via enrollment
Servicemembers Civil Relief Act (SCRA) Benefits Eligible active duty servicemembers may receive a reduced interest rate not to exceed 6% on balances incurred prior to active duty service.	Financial	Up to 6% APR cap on pre-service balances
Free Year of GameStop Pro Membership New cardholders who apply using the same email address as their GameStop account receive one complimentary year of GameStop Pro membership (normally $25/year) upon card activation; existing Pro members have their membership extended by 12 months.	Lifestyle	$25 value Up to $25
In-Store and Online Redemption Points can be redeemed both in-store and online at GameStop toward consoles, collectibles, games, gear, and more.	Rewards	Complimentary
Points Earning with GameStop Pro Membership Cardholders who also hold a GameStop Pro Membership earn up to 40 points per $1 spent on eligible GameStop purchases, equivalent to 4% back in rewards.	Rewards	Up to 4% back (40 points per $1)
Points Earning without GameStop Pro Membership Cardholders without a GameStop Pro Membership earn 20 points per $1 spent on eligible GameStop purchases, equivalent to 2% back in rewards.	Rewards	2% back (20 points per $1)
Points Never Expire Points earned with the GameStop Pro Credit Card never expire as long as the cardholder maintains an active credit card account linked to a GameStop account with the same email address.	Rewards	Complimentary
Zero Fraud Liability Cardholders are not held responsible for unauthorized purchases made on their account, provided they report the fraud promptly to Comenity Capital Bank.	Security	Complimentary

Interest Rates

Purchase APR32.24% Variable

Cash Advance APR32.24%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 Months or if you make a late payment.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Late Payment FeeUp to $41

Returned Payment FeeUp to $30

Approval & Eligibility

580 Recommended minimum FICO · Range 580–669

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsFair

Decision TimeInstant

Pre-QualificationNot available

Co-ApplicantNot allowed

Business EligibleNo

Credit Limit Range $300 – No limit listed

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending (e.g., excessive gift card purchases, reselling), high cumulative credit limit across all Amex products relative to reported income, rapid application for multiple Amex cards beyond the 2/90 rule, suspicious spending patterns inconsistent with typical consumer behavior, frequent or large returns after earning rewards, bouncing payments or late payments, and triggering a financial review (FR) due to significant income changes or unusual account activity.

Cliff Effect Rules

While the gamestop-pro-credit-card is a unique co-brand, American Express may implement 'family rules' in 2026 where earning a welcome bonus on this card could restrict eligibility for a bonus on other similar co-branded retail or entertainment cards if Amex develops such categories or partnerships.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

American Express enforces a 'one welcome bonus per card per lifetime' rule, meaning you are eligible for the welcome bonus only once for the gamestop-pro-credit-card. Additionally, Amex applies a '2/90 rule', limiting approvals to a maximum of two credit cards within any 90-day period. Eligibility requirements include being 18 years or older, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), maintaining a good to excellent credit score (typically FICO 670+), and demonstrating sufficient income to support credit obligations. Applicants must not currently hold the gamestop-pro-credit-card and must not have received a welcome bonus for this specific card in the past.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

Interest rate relief capped at 6% maximum on pre-service balances during eligible active duty periods.

Hardship Program

Hardship program available.

GameStop Pro Credit Card