Should I Buy Video Games With a Credit Card?

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By Ralph Torres

When it comes to buying video games, there are various options available. You can purchase them using cash, debit cards, credit cards, or even via online payment methods.

However, the question that arises here is whether one should buy video games with a credit card or not. In this article, we will take a closer look at this topic and provide you with the necessary information to make an informed decision.

Advantages of buying video games with a credit card

Rewards and Cashback: Many credit cards offer rewards and cashback for purchases made using them. These rewards could be in the form of points that can be redeemed for future purchases or cashback that can be credited back to your account.

Fraud Protection: Credit cards come with fraud protection against unauthorized transactions. If your credit card information is stolen or used without authorization, you can report it to your bank and get the transaction reversed.

Build Credit Score: Using a credit card responsibly can help build your credit score. A higher credit score can make it easier for you to get approved for loans or other forms of credit in the future.

Disadvantages of buying video games with a credit card

Interest Charges: If you don’t pay off your credit card balance in full each month, you may incur interest charges on your balance. These charges could quickly add up and cost you more than the value of the rewards or cashback earned.

Overspending: Credit cards make it easy to overspend since you’re not using physical cash. This could lead to debt if you’re not careful with your spending habits.

Credit Utilization Ratio: Your credit utilization ratio is the amount of debt you have compared to your available credit limit. High utilization ratios could negatively impact your credit score.

Tips for buying video games with a credit card

Pay off your balance in full: To avoid interest charges, it’s important to pay off your credit card balance in full each month.

Set a budget: Set a budget for how much you’re willing to spend on video games each month and stick to it. This will help you avoid overspending.

Look for rewards and cashback: Look for credit cards that offer rewards and cashback for purchases made at video game stores or online retailers.

Monitor your credit score: Monitor your credit score regularly to ensure that your credit utilization ratio remains low and that there are no unauthorized transactions on your account.


In conclusion, whether you should buy video games with a credit card or not depends on your personal financial situation. If you can use a credit card responsibly by paying off the balance in full each month and avoiding overspending, then it could be an excellent way to earn rewards and cashback while building your credit score.

However, if you struggle with managing debt or overspending, it may be best to avoid using a credit card altogether. Remember to always make informed decisions about your finances and use credit responsibly.