Pick up groceries. Earn Credits.

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*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 from Microsoft.

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*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% to 10% in Earn Credits2 when you use your cards at these national retailers and hundreds of participating local restaurants.

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 $10 in bonus Earn Credits after your first Earn transaction.

Use your Earn Credits towards 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


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

2 Earn Credits only apply to purchases made at the online Microsoft Store and at local Microsoft Stores in Arizona, Massachusetts, and Washington.