But, as far as I can tell, if you pay $35 on time each month, for 24 months, there are no additional costs. Typically, credit companies make their money by charging people interest if they don’t pay their bills in full each month, and make extra money by charging administrative fees on top of that. 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.

24-month xbox game pass ultimate price