Sony Credit Card Review

Sign Up Bonus Points
Sign Up Cash Value
Annual Fee
Purchase Interest Rate
Min Personal Income Required
Recommended Credit Score
740 850 670 739 580 669 0 579
Receive 2,000 bonus Sony points after your first eligible purchase††

If you’re eyeing a new Sony television, camera, laptop, Playstation or stereo system, the Sony Card Platinum Plus Mastercard is an interesting option (but you may want to wait for a welcome bonus promotion).

The card has a 2,000 point sign-up bonus, worth $20, upon activating the card. With no annual fee, and no minimum spend required, that’s free money just for signing-up and using the card once.

The Sony Card also offers generous rewards on spend. Aside from the $20 welcome bonus, you earn 2 points when you make any Sony purchase, and 1 point everywhere else. So if you by a Sony TV for $1,000, you’ll earn the equivalent of 2,000 points or $20. For a no-fee card 2% value is very strong. You’ll also earn 1 point per dollar spent everywhere else, which is equivalent to 1% cash back. Again, for a no-fee card a straight 1% cash back with no spend or earning caps is ok. The real value is in the 2% rewards for Sony spend.

Sony Card Redemptions

You can redeem your points for any Sony item you buy, at ANY retailer, and get a purchase credit. Whether you buy your PS4 at, BestBuy or WalMart, all you have to do is fill out the redemption form, include a copy of your receipt, and tell Sony how many points you are redeeming. You can only redeem your points against purchases you’ve made with your Sony credit card.

Sony does say “we are currently upgrading our Sony Point payment tool to serve you better. During this time you can still use your Points online at, at any Sony store, or Sony authorized dealer nationwide by completing your order using a different payment method and subsequently submitting a Purchase Credit form.”

The current process is cumbersome to say the least, but for a completely free $20 credit, you can decide if its worth it to you. We’re looking forward to the imminent upgrade to an electronic redemption system.

Lastly, if you have an existing credit card(s) with a balance, the Sony Card is offering a great interest rate of 1.99% for 10 months, to transfer your balance from your existing credit card(s) to the Sony card. To give you an idea of how much that might be worth, if you have a $2,000 credit card balance and pay 19.99% in interest, you’ll be saving about $300 in interest payments during those 10 months alone!


The Sony Card’s current offer of a 2,000 point signing bonus worth $20 is a little light. However if you like Sony products and buy a lot of them, a no fee card offering 2% in points for Sony product purchases, and 1% in points value everywhere else, is not so bad.

Just make sure you’re comfortable with the paper-based redemption process. That said for $20, filling in a quick form may not be worth the effort.

Sony Card Mastercard Details:

  • No Annual Fee
  • 2,000 point signing bonus ($20 value)!
  • Earn DOUBLE Sony Points on eligible purchases of Sony products at and Sony stores
  • Earn 1 Sony Point for every $1 in purchases, everywhere else
  • Redeem for Sony products only at Choose from the latest audio, video, gaming and more
  • 1.99% annual interest rate on balance transfers for the first 19 months
  • Online access to your account
  • Unparalleled 24 hour customer service

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 *Terms and conditions apply Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.

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