HomeFinanceXbox All Access: Is It Worth It?

Xbox All Access: Is It Worth It?

The primary two years of a console’s lifespan are sometimes fairly quiet. There could also be a AAA title right here or there to maintain gross sales transferring (Halo Infinite), however issues don’t get actually thrilling till the next-gen exclusives begin arriving.

For the Xbox Sequence X and S, that point is now.

Starfield, Redfall, Forza, Fable, and Ukrainian-developed S.T.A.L.Okay.E.R. 2 are all arriving in 2023 on next-generation consoles solely, making the temptation to improve stronger than ever.

However how are you going to justify a $299 or $499 buy on a good funds? Contemplating the pandemic-stricken financial system, pervasive scholar loans, and eye-watering inflation, $499 + $70 per recreation is quite a bit to spend money on some 4K escapism.

Fortunately, Microsoft nonetheless provides a program known as Xbox All Entry — a financing program to make the brand new console expertise seem extra reasonably priced. Certain, $0 down, 0% APR sounds good, however is it price it? What’s the catch? And what are some alternate options?

Let’s examine Xbox All Entry.

What’s Xbox All Entry? 

Xbox All Entry is Microsoft’s financing program for the Xbox Sequence X and S consoles. With accredited credit score, you’ll get a manufacturing facility new Xbox Sequence X or S console plus 24 months of Xbox Recreation Move Final, all for $0 down and 0% APR.

Xbox All Entry prices $34.99/$24.99 per thirty days for the Xbox Sequence X and S, respectively.

How Does It Work? 

Xbox All Entry operates like your month-to-month telephone plan. Microsoft is principally bundling collectively your {hardware} and your software program into one month-to-month payment to make next-gen gaming a bit friendlier to the typical funds than asking $500 for a console plus $60-$70 per recreation. 

They’ve additionally made enrolling in Xbox All Entry extraordinarily straightforward; it’s principally the identical as buying a console with money, the one distinction being how a lot cash you’re charged and when. As an example, on BestBuy.com there’s a itemizing for the $500 console and an inventory for Xbox All Entry. To enroll within the latter, you merely add it to your cart and “purchase” it. 

While you enroll in Xbox All Entry, Microsoft opens a line of credit score for you from Residents One financial institution. The financial institution pays Greatest Purchase and also you pay the financial institution. Yep, you’re principally mortgaging your Xbox. 

It’s price noting too that Xbox All Entry, like different financing alternatives, is topic to a credit score approval of 630 and above. When you’re struggling in that division, ensure you take steps to enhance your credit score. 

How A lot Does It Value?

Xbox All Entry prices $34.99 and $24.99 per thirty days for the Xbox Sequence X and S, respectively. This system used to incorporate the Xbox Sequence S (the sooner model of the previous Xbox One) however that possibility has since been discontinued.

Supply: Microsoft


Right here’s a fast recap of the distinction between consoles: 

  • The Xbox Sequence X is the true next-gen expertise you’re in search of, capable of play present and next-gen video games at native 4K in disc or digital format.
  • The Xbox Sequence S is an all-digital model of the Sequence X with no disc drive and fewer energy. The Sequence S is impressively petite and reasonably priced, however unable to play video games at native 4K decision.

Undecided which to decide on?

Struggling to decide on between Sequence S and X? The S is smart when you’ve got no real interest in shopping for, promoting, or buying and selling bodily copies of video games, and also you both lack the curiosity or don’t have a TV able to taking part in video games in true 4K.

However for my cash, I’m going for the Sequence X — I’ll make again the $10 per thirty days or $200 money finally, and within the meantime, I’ll get to get pleasure from Starfield and the Cyberpunk DLC in true 4K.

Xbox All Entry: Is It Price It?

Let’s crunch some numbers. Is Xbox All Entry actually nearly as good of a deal because it sounds? What’s the catch?

I’ll begin with the Xbox Sequence S. Right here’s what you’d pay for every part in money versus financing for twenty-four months. I’m together with 8% gross sales tax, however the tax will differ relying on the place you reside.


  • Xbox One S console ($299)
  • 24 months of Xbox Recreation Move Final (24 x $14.99)
  • Complete: $658.76 + 8% tax = $711.46

Xbox All Entry:

  • Complete: $24.99 x 24 + 8% tax = $647.74

So for those who enroll in Xbox All Entry, you’ll really find yourself saving round $63 versus buying the console and Xbox Recreation Move Final individually. From that perspective, Xbox All Entry is an effective deal. 

Let’s now check out the Sequence X.


  • Xbox One X console ($499) 
  • 24 months of Xbox Recreation Move Final (24 x $14.99)
  • Complete: $858.76 + 8% tax = $927.46

Xbox All Entry:

  • Complete: $34.99 x 24 + 8% tax = $906.94

As soon as once more, financing your next-gen Xbox will really save you cash versus paying money, albeit much less this time (round $20). That’s truthfully fairly wonderful, contemplating financing just about each different asset in the marketplace (dwelling, automobile, and many others.) will value you cash in curiosity. 

Residents One has to earn cash someplace, so I’m guessing that in lieu of curiosity they’re getting a pleasant kickback from Microsoft, who in flip is subsidizing the price of Recreation Move Final. 

Is There a Higher Various to Xbox All Entry? 

The disadvantage of merely shopping for an Xbox Sequence X is that you just’ll should pay $499 plus tax upfront. Is there one other manner apart from Xbox All Entry to finance that bushy, scary lump sum?

Realistically, your finest alternate options are to cough up the money out of your financial savings (keep away from that emergency fund, although) or make the most of a brand new bank card join bonus to offset a number of the value.

What Does Xbox All Entry Embrace? 

Considering Xbox All Access? Here Is Everything You Need To Know - What does Xbox All Access include? 

Xbox All Entry consists of the console plus 24 months of Xbox Recreation Move Final — which itself has obtained a formidable next-gen improve.

What Is Xbox Recreation Move Final?

For the uninitiated, Xbox Recreation Move is like Microsoft’s Netflix for video games. The present library options a whole bunch of Xbox, Xbox 360, and Xbox One video games you could obtain and play at your leisure so long as you’re subscribed. Titles vary from AAA heavy hitters like Halo, Gears of Battle, and The Witcher 3 to indie darlings like Hole Knight and Untitled Goose Recreation (yep, that’s its title).

Better of all, Microsoft is continually including titles to Recreation Move. Even AAA titles like Starfield and S.T.A.L.Okay.E.R. 2 — video games that will in any other case value you $70 to purchase on launch day — are launching on Recreation Move.

Microsoft has additionally added EA Play to Xbox Recreation Move. Which means that a number of the finest video games from EA’s historical past, together with Titanfall, Mass Impact, Battlefield, and Fifa have joined Recreation Move in addition to future titles.

Recreation Move Final additionally consists of 100+ titles for PC in addition to Xbox Reside Gold, so you possibly can play on-line with your mates for twenty-four months.

Contemplating Xbox Recreation Move Final usually prices $14.99 per thirty days, the deal provided by Xbox All Entry simply grew to become a bit of sweeter.

What Does it Not Embrace? 

Xbox All Entry solely consists of the console, one controller, an HDMI cable, and 24 months of Xbox Recreation Move Final. Which means no prolonged guarantee, no bodily video games, no bonus controller, or some other bonuses. 

Execs and Cons of Xbox All Entry

Considering Xbox All Access? Here Is Everything You Need To Know - Pros and cons of Xbox All Access


  • $0 down, 0% APR — By Xbox All Entry, you possibly can have a next-gen Xbox plus a whole bunch of downloadable video games by means of Recreation Move Final for $0. Typically 0% APR is usually a purple flag that the lender has one thing to cover, however not right here!
  • Reasonably priced month-to-month charges — Even in a pandemic-stricken financial system, $35 per thirty days isn’t a horrible worth to pay. Cancel a number of subscriptions and make a bit of additional money on-line and you’ll get pleasure from some reasonably priced, guilt-free 4K escapism.
  • Consists of a whole bunch of video games plus Gold — Xbox Recreation Move Final is just about all you must maintain your self busy for 1000’s of hours, whether or not you’re taking part in an limitless RPG like The Witcher 3 or competing on-line in Gears Techniques. 


  • It’s nonetheless some huge cash — Xbox All Entry could also be “cheaper” than paying money and subscribing to Final for 2 years, however $650 or $900 continues to be quite a bit to spend on video video games. There are a lot cheaper methods of having fun with Xbox, which I’ll elaborate on in my private take beneath.
  • No flexibility — Xbox All Entry is easy and straightforward to grasp, however rigid. You may’t downgrade from Final to common Recreation Move, for instance, or cancel it inside 24 months for a partial refund. Nor are you able to add an prolonged guarantee in your console.
  • You may play Xbox in 4K for much less — A gently pre-owned Xbox One X prices round $300 now and performs numerous Xbox titles in 4K already. When you’re new to Xbox, there’s an entire again catalog of high-quality video games within the 2013-2020 era ready for you for lower than half of what you’d spend on next-gen.
  • Financing can harm your credit score — Financing your Xbox by means of Residents One financial institution is like financing anything – it may possibly assist or harm your credit score rating. Microsoft’s personal web site warns that any late funds will probably be reported to credit score bureaus, so make sure you arrange autopay and notifications to stop any disruptions in month-to-month funds. 

Xbox All Entry Might Be a Good Match for You If…

You Need It All for Much less

When you’ve been taking part in your Xbox One for years and also you’re simply prepared for next-gen and every part it has to supply, Xbox All Entry is smart for you. 

Xbox All Entry supplies a brand new console plus 24 months of video games and multiplayer for a easy month-to-month worth. That’s every part plus the kitchen sink for $20-$60 lower than you’d pay piecemeal, and the low month-to-month funds might show you how to stability your funds higher than a large upfront expenditure. 

Xbox All Entry Might Not Be a Good Match for You If…

You Haven’t Skilled the Xbox One X

Perhaps you’ve been staff Ps this era (having fun with Bloodborne). Or possibly you’re completely new to console gaming. You may even be your dusty Xbox One, fascinated about an improve. 

In all three instances, you may contemplate buying an Xbox One X as an alternative of the Sequence X. As Microsoft’s strongest last-gen console, the Xbox One X makes a compelling case for itself in a number of methods:

  • The Xbox One X already performs most of the finest Xbox video games in native 4K and/or 60 frames per second.
  • Because of Microsoft’s “cross-gen” help it’ll play many next-gen titles additionally, specifically Halo: Infinite.
  • You should buy refurbished or pre-owned Xbox One X consoles for properly below $300.

You’re Not Considering Final Recreation Move

Enrolling in Xbox All Entry solely is smart for those who’re 100% sure you’ll need Final Recreation Move for the following 24 months. 

As a reminder, Xbox Recreation Move Final consists of Recreation Move, Recreation Move for PC, and Xbox Reside Gold, which permits on-line multiplayer. When you’re solely concerned about taking part in single participant video games or split-screen multiplayer, you may as properly downgrade to Recreation Move, which is simply $9.99 per thirty days. 

When you issue within the one-month free trial, you possibly can have an Xbox Sequence X plus 24 months of non-Final Recreation Move for simply $787 after taxes, a large ~$120 financial savings off of 24 months of Xbox All Entry. 

You’re Not 100% Dedicated to Subsequent-Gen Gaming

Enrolling in Xbox All Entry is a dedication to pay $906.94 whole over two years. In accordance with Microsoft, you possibly can “return” your Xbox All Entry subscription to the retail retailer the place you bought it for a full refund of the funds you’ve made, however solely inside the retail retailer’s return window (usually 30 days). 

When you maintain your Xbox All Entry previous 30 days, you’re principally caught with $34.99 month-to-month funds for 2 years. Even for those who promote your {hardware}, you’ll should maintain paying $35 every month for a console and gaming subscription you now not have. 

So Xbox All Entry is not possibility for those who simply need to “strive” next-gen gaming, because it’s a near-$1,000 monetary dedication. 

My Private Take as an Xbox Fanboy

Considering Xbox All Access? Here Is Everything You Need To Know - My personal take as an Xbox fanboy

I’ve owned each Xbox since 2003. I even bought the Xbox 360 and Xbox One on launch day. Naturally, getting a Sequence X eventually was a no brainer.

I additionally love Final Recreation Move. As soon as Microsoft began including model new, $70 AAA titles to the combination UGP immediately grew to become the most effective deal in gaming.

So why didn’t I’m going with Xbox All Entry?

Easy: you may get Final Recreation Move manner cheaper.

Right here’s get the Xbox All Entry expertise for half the worth.

1. Finance a Sequence X|S on a 0% APR Credit score Card (Ideally One With a Signal-up Bonus)

For starters, it is best to know that making use of for a brand new bank card might briefly decrease your credit score rating by a number of factors. So it’s not a good suggestion proper earlier than you apply for an enormous mortgage, like an auto mortgage or a mortgage.

However for those who’re available in the market for one more card already, now’s the time to get one. As a result of for those who purchase a Sequence X with, say, a Chase Freedom Flex, you’ll meet the $500 spending threshold for the $150 signup bonus and give your self 18 months of 0% APR to pay it again.

Take a look at our rolling record of the most effective bank cards.

2. Purchase 100% Legit Xbox Final Recreation Move Codes on eBay

The no. 1 downside to Xbox All Entry is that it locks you into paying (primarily) full worth for twenty-four months of Final Recreation Move.

I’ve had UGP for years and have by no means paid full worth for it.

That’s as a result of you should purchase 100% legit Final Recreation Move subscription codes on eBay for as much as ~80% off MSRP. I’ve been doing this since 2018 and have by no means encountered a defective code or had problems with any type.

Supply: eBay itemizing by vendor esquared2018


There are all the time tons of sellers providing them, and you’ll typically discover one-month codes for as little as $3.

Supply: eBay itemizing by vendor momogamingtech


I’ll typically purchase a one-month code if there’s a brand new recreation I need to play that I do know I can beat in a month, like Halo Infinite. And since I’ve just lately gotten hooked on Murderer’s Creed: Odyssey, I’ve simply let my UGP subscription lapse.

Even for those who did need Final Recreation Move for twenty-four months straight like with Xbox All Entry, you possibly can simply discover two 12-month codes for ~$90 every (half off MSRP).

Supply: eBay itemizing by vendor anto1228


To summarize, right here’s how one can get the Xbox All Entry expertise for half off:

1. Finance a Sequence X on a brand new, 0% APR rewards card with a $150 signup bonus: ($500 + 8% tax) – $150 = $390

2. Purchase two 12-month Final Recreation Move Playing cards on eBay: $88 + 8% tax = $190

Xbox All Entry: $909

The Cash Underneath 30 manner: $580

For transparency, the chief drawbacks of the Cash Underneath 30 methodology are:

  • Making use of for a brand new credit score rating might briefly decrease your credit score by a number of factors, and
  • You’ll should manually kind in your Xbox Recreation Move Final codes.

However for those who ask me, I feel it’s price it to save lots of $329!


Xbox All Entry looks as if a handy, reasonably priced solution to begin next-gen gaming. $0 down, 0% APR is a formidable supply, particularly contemplating that you just’ll find yourself paying much less to finance your new console plus Final Recreation Move than you’ll by buying these gadgets individually. 

Nevertheless, it makes way more monetary sense to only buy the $499 console upfront and purchase some Final Recreation Move codes on eBay. This selection permits you to discontinue Recreation Move Final at any time, and even for those who keep subscribed for 2 straight years, you’ll save a whole bunch versus Xbox All Entry. 

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