To be perfectly honest, I was surprised to learn about the 0% APR, along with the lack of late fees and penalties.

Furthermore, there are no annual fees, penalty fees, or late fees. Xbox All Access has a 0% annual percentage rate (APR), meaning that you won’t pay any additional interest on top of the $35 per month. If you want an Xbox Series S, you can get one at GameStop for $300 right now.)įirst and foremost, the Citizens Bank line of credit is not nearly as punishing as a traditional credit card would be. (You can also use Xbox All Access to get an Xbox Series S, but Series S consoles have generally been easy to find standalone, so I don’t know if All Access is necessarily worthwhile.

If Citizens likes your credit, it will provide an Xbox Series X, as well as a monthly Xbox Game Pass Ultimate subscription, and charge you $35 per month for them.

Here’s how it works: You apply for a line of credit with Citizens Bank, much like you would for a credit card. As mentioned above, Xbox All Access is a way to finance an Xbox over the course of two years rather than buying a console up-front.

Xbox all access vs game pass ultimate