Pick up groceries. Earn Credits.

Enroll now

*Earn Beta is available in Arizona, Massachusetts and Washington only.

Dinner with a friend. Earn Credits.

Enroll now

*Earn Beta is available in Arizona, Massachusetts and Washington only.

Earn Credits to get rewarded.

Enroll now

*Earn Beta is available in Arizona, Massachusetts and Washington only.

And get the technology you love.

Enroll now

*Earn Beta is available in Arizona, Massachusetts and Washington only.

Introducing Earn by Microsoft.

Enroll now

*Earn Beta is available in Arizona, Massachusetts and Washington only.

How does it work ?

Earn Credits by using your card at the places you love.

Enroll your credit and debit1 cards for FREE and receive 3‒10% in Earn Credits when you use your cards at select national retailers, hundreds of local restaurants, and when you purchase gift cards for hundreds of retailers through Microsoft Earn.*

Your enrolled card will continue to receive benefits from any other program it may be enrolled in. And rest assured that your card information is safe and secure, we only see transactions at participating merchants, and we only use it to award you with Earn Credits.

And for a limited time, receive $5 in bonus Earn Credits after your first Earn transaction.

Use your Earn Credits toward all types of great products.

Shop at the online Microsoft Store and participating local Microsoft Stores with your enrolled card and use your Earn Credits toward all types of great products, including: software, laptops, tablets, phones, Xbox consoles and games, headphones, speakers and more.

It’s that easy... There's nothing else you need to do.

Enroll your cards with Earn. Shop and dine at participating merchants to Earn Credits. And when you make a purchase at the online Microsoft Store and participating local Microsoft Stores with your enrolled card, you’ll receive a credit on your bank card statement, up to your Earn Credits balance. It’s that easy. No loyalty cards, no coupon codes or loyalty numbers to remember.

Enroll now


[*] Earn Credits are only received for transactions at participating merchants in Arizona, Massachusetts and Washington, and only apply to purchases made at the online Microsoft Store and local Microsoft Stores in Arizona, Massachusetts, and Washington.


[1] Transactions where a PIN is entered at checkout do not qualify to receive Earn Credits.