What the GameStop Pro Credit Card Is

The GameStop Pro Credit Card is a store-branded credit card issued by Synchrony Bank that you can use at GameStop locations and online. It is designed for GameStop Pro members—people who pay an annual membership fee to GameStop—and offers rewards on purchases made at GameStop and partner retailers. The card itself is a standard credit product: you receive a credit line, make monthly payments, and pay interest if you carry a balance.

This card is not the same as a general rewards card from a major bank. It works only at GameStop and a limited set of partner merchants, so its usefulness depends on how often you shop at those locations. Like any credit card, approval depends on your credit history, income, and existing debt.

Key Takeaways

  • The GameStop Pro Credit Card is issued by Synchrony Bank and requires you to be a GameStop Pro member to open an account.
  • You earn rewards points on purchases at GameStop and select partner retailers, but the card has limited use outside those merchants.
  • The card carries an annual percentage rate (APR) that varies based on your creditworthiness, and interest accrues on unpaid balances.
  • You can request a credit line increase after you have held the card for a period of time and made on-time payments.
  • Closing the account does not affect your GameStop Pro membership, but you lose the ability to earn rewards through the card.

Rewards Structure and Earning Points

The GameStop Pro Credit Card earns points on every purchase you make at GameStop. The exact earning rate depends on your GameStop Pro membership tier—standard members earn at one rate, while higher tiers earn at a higher rate. You also earn points on purchases at partner retailers, though the earning rate is typically lower than at GameStop itself.

Points accumulate in your account and can be redeemed for GameStop merchandise, in-store credit, or other rewards. The redemption options and point values change periodically, so check your account or the GameStop website to see what is currently available. Points do not expire as long as your account remains open and in good standing, but they may be forfeited if you close the account.

The card does not offer sign-up bonuses, cash back, or travel rewards. If you are looking for a card with those features, a general-purpose rewards card from another issuer may be a better fit.

Interest Rates, Fees, and Costs

The GameStop Pro Credit Card charges an APR that varies by applicant. Your rate depends on your credit score, payment history, and other factors Synchrony evaluates during the approval process. You will see your specific APR in your approval documents before you set up the card.

The card does not charge an annual fee separate from your GameStop Pro membership. However, you do pay interest on any balance you carry from month to month. If you pay your full statement balance by the due date each month, you will not pay interest. Late payments trigger late fees and can raise your APR further.

Like all credit cards, this card reports to the three major credit bureaus (Equifax, Experian, and TransUnion). On-time payments help your credit score; missed or late payments harm it.

How to Request and set up the Card

You can request the GameStop Pro Credit Card through the GameStop website or in a GameStop store. You must be a current GameStop Pro member to proceed. The process asks for your name, address, Social Security number, income, and employment information. Synchrony will pull your credit report as part of the approval process.

Approval decisions typically come within minutes to a few business days. If you are approved, you will receive the physical card by mail within 7 to 10 business days. Once it arrives, you must set up it before you can use it. set up usually happens through the Synchrony website or by calling the number on the back of the card.

If you are denied, Synchrony will send you a notice explaining the reason. You can request your free credit report from AnnualCreditReport.com to review for errors, or you can reapply after addressing issues like high debt or recent late payments.

Managing Your Account and Making Payments

You manage the GameStop Pro Credit Card through the Synchrony website or mobile app. You can view your balance, statement, and transaction history; set up automatic payments; and update your contact information. Synchrony sends your monthly statement by mail or email, depending on your preference.

Payments are due by the date shown on your statement. You can pay online, by phone, or by mail. Setting up automatic payments for at least the minimum amount due helps you avoid late fees and interest charges. If you want to pay off the balance faster, you can make extra payments at any time without penalty.

If you miss a payment, Synchrony will charge a late fee and may report the missed payment to the credit bureaus. A single late payment can lower your credit score by 100 points or more, so prioritize this payment if money is tight.

Requesting a Credit Line Increase

After you have held the card for several months and made consistent on-time payments, you can request a credit line increase. A higher credit line gives you more purchasing power and can improve your credit score by lowering your credit utilization ratio (the amount you owe divided by your total available credit).

You can request an increase through the Synchrony website or by calling the customer service number on the back of your card. Synchrony may do a hard inquiry of your credit report, which temporarily lowers your score by a few points. If you are denied, you can try again after six months of on-time payments.

Closing Your Account

You can close the GameStop Pro Credit Card at any time by calling Synchrony customer service. Closing the account does not cancel your GameStop Pro membership, and you can still shop at GameStop without the card. However, you will no longer earn rewards points on purchases, and any points you have accumulated may be forfeited depending on GameStop's policy.

Before you close the account, pay off any remaining balance. Closing an account with an active balance can damage your credit score and may result in collection action if the balance goes unpaid. After you close the account, the card will no longer appear on your credit report after seven years.

Frequently Asked Questions

Can I use the GameStop Pro Credit Card outside of GameStop?

The card works at select partner retailers in addition to GameStop, but it is not a general-purpose card you can use everywhere. Check the GameStop website or your cardholder agreement for the current list of partner merchants. If you need a card for everyday purchases, a standard rewards card may be more practical.

What happens to my rewards points if I close my account?

GameStop's policy on forfeited points varies. Some programs allow you to redeem points before closing, while others may void unused points. Contact GameStop customer service or check your cardholder agreement before closing to understand what happens to your balance.

Does the GameStop Pro Credit Card hurt my credit score?

Opening a new credit card temporarily lowers your score because Synchrony pulls your credit report and you have a new account with no payment history. Over time, on-time payments and a low balance will help your score recover and eventually improve. Closing the account can also lower your score, so keep it open if you do not plan to use it.

Can I get the card if I have bad credit?

Synchrony does not publish minimum credit score requirements, but the card is generally easier to obtain than premium rewards cards. If you have been denied for other cards, you may still be approved for the GameStop Pro Credit Card. If you are denied, review your credit report for errors and work on paying down existing debt before reapplying.

What is the difference between this card and a GameStop gift card?

A gift card is prepaid money you load onto an account; a credit card is a line of credit you borrow from and repay. The credit card lets you earn rewards on purchases and build credit history through on-time payments. A gift card does neither, but it also does not require a credit check or monthly payments.