Youre Not 100% Committed To Next
Enrolling in Xbox All Access is a commitment to pay $906.94 total over two years. According to Microsoft, you can return your Xbox All Access subscription to the retail store where you purchased it for a full refund of the payments youve made, but only within the retail stores return window .
If you keep your Xbox All Access past 30 days, youre basically stuck with $34.99 monthly payments for two years. Even if you sell your hardware, youll have to keep paying $35 each month for a console and gaming subscription you no longer have.
So Xbox All Access is not a good option if you just want to try next-gen gaming, since its a near-$1,000 financial commitment.
How Does It Work
Xbox All Access operates like your monthly phone plan. Microsoft is basically bundling together your hardware and your software into one monthly fee to make next-gen gaming a bit friendlier to the average budget than asking $500 for a console plus $60-$70 per game.
Theyve also made enrolling in Xbox All Access extremely easy its basically the same as purchasing a console with cash, the only difference being how much money youre charged and when. To illustrate, on BestBuy.com theres a listing for the $500 console and a listing for Xbox All Access. To enroll in the latter, you simply add it to your cart and buy it.
When you enroll in Xbox All Access, Microsoft opens a line of credit for you from Citizens One bank. The bank pays Best Buy and you pay the bank. Yep, youre basically mortgaging your Xbox.
Its worth noting too that Xbox All Access, like other financing opportunities, is subject to a credit approval of 630 and above. If youre struggling in that department, make sure you take steps to improve your credit.
How Much Does It Cost
Xbox All Access costs $22.99, $24.99, and $34.99 per month for an Xbox One S, Series S, and Series X respectively.
Heres a quick recap of the difference between consoles.
- The Xbox One S is a faster version of the Xbox One released in 2013, able to run exclusively last-gen Xbox One games at 1440p .
- The Xbox Series S is an all-digital version of the Series X with no disc drive and less power. The Series S is impressively petite and affordable, but unable to play games at native 4K resolution.
- The Xbox Series X is the true next-gen experience youre looking for, able to play current and next-gen games at native 4K in disc or digital format.
Struggling to choose between Series S and X? The S makes sense if you have no interest in buying, selling, or trading physical copies of games, and you either lack the interest or dont have a TV capable of playing games in true 4K.
But for my money, Im going for the Series X Ill make back the $10 per month or $200 cash eventually, and in the meantime, Ill get to enjoy Cyberpunk and Halo in true 4K.
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Xbox All Access: How Does It Work
Xbox All Access is a 24-month financing program that signs you up to a contract, giving you an Xbox Series X or Xbox Series S for a low monthly fee with zero interest, and no annual fees, installation costs, or hidden charges. It also includes Xbox Game Pass Ultimate, giving you access to Project xCloud game streaming, over 100 high-quality Xbox games, and access to Xbox Live Gold multiplayer.
Financing agencies like Citizens One handle the contract portion of the agreement on Microsoft’s behalf, ensuring that monthly payments are kept. If payments stop for any reason, Microsoft can lock the console remotely if it isn’t returned, and your credit rating may be impacted as well.
This isn’t a subscription service you can cancel at any time easily. It is more akin to a 24-month cell phone contractual obligation. The financing agency will do a credit check beforehand, and determine eligibility. If you have a bad credit rating or history of breaking payment obligations, they may decline to bring you on board. The agency will issue a statement every month asking for payment, setting up automatic payments or a direct debit may be preferable to avoid missing payments.
The Xbox Series X or S console you receive will be pre-installed with your account details. After you have fully paid up the console after 24 months, the console will unlock and it effectively becomes yours to own, to do with what you will.
Xbox All Access Games
Xbox All Access doesn’t explicitly come with games, but the inclusion of 24 months of Xbox Game Pass Ultimate in the bundle sees you getting access to loads of top Xbox titles.
Xbox Game Pass Ultimate grants access to over 100 Xbox games via Game Pass, some of which are available to play on Android mobile devices come September 15, thanks to Project xCloud. Game Pass titles include the complete Gears of War, Forza, and Halo series’, plus much more. In addition, you’ll have access to the biggest first-party Xbox titles from launch day, which will include the likes of Hellblade 2 and Halo Infinite. Come “Holiday 2020” EA Play will also be included in the subscription service, granting players access to more than 60 of EA’s top games including FIFA 20, Need for Speed and The Sims while Microsoft’s recent acquisition of Bethesda means the likes of Skyrim and Fallout will also be coming to the service.
Vic is TechRadar’s Gaming Editor. An award-winning games journalist, Vic brings experience from IGN, Eurogamer and more to the TechRadar table. You may have even heard her on the radio or speaking on a panel. Not only is Vic passionate about games, but she’s also an avid mental health advocate who has appeared on both panels and podcasts to discuss mental health awareness. Make sure to follow her on Twitter for more.
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Is Xbox All Access Worth It
If you want an Xbox Series X or Series S console, you effectively have nothing to lose by spreading the cost like this, since it comes with 0 percent APR payments. This is ultimately the same as buying an Xbox Series S or X console outright with Xbox Game Pass Ultimate, spreading the cost out over two years instead of all upfront.
Xbox Game Pass Ultimate costs $14.99 per month by itself, and the Xbox Series S costs $299.99 to buy outright. 24 months of Xbox Game Pass Ultimate costs $359.76. Buying them both together clocks in at $659.74.
Given that Xbox All Access costs $599.76 over 24 months, it actually works out at a $60 saving to get it through Xbox All Access, rather than by buying them both separately. Of course, you may not want Xbox Game Pass Ultimate, in which case buying an Xbox Series S for $299 by itself may be preferable, but if you plan to use both, Xbox All Access is a very great option.
Console Upgrades For Current Xbox All Access Customers
If you signed up for Xbox All Access during the last promotional period, you’ll be able to purchase an Xbox Series X or Xbox Series S and start making payments toward one of those consoles however, you’ll be required to make payments on both your old Xbox All Access purchase and your new one until the minimum required payment on your original purchase is met. Once you reach that minimum, you’ll be mailed a trade-in kit to send back your original Xbox All Access console bundle. Once your trade-in kit is received and confirmed, you’ll no longer owe the remaining balance on your original Xbox All Access purchase. See the full FAQ page on Xbox All Access upgrades at Microsoft for more info.
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What Is Ea Play
EA Play is a console and PC gaming subscription that provides members with access to a collection of EAs best-loved series and top titles on console and PC, exclusive in-game challenges and rewards, special member-only content, and access to exclusive trials of upcoming new games from best-loved franchises and top titles. EA Play will be available with Game Pass Ultimate on your console starting on 10 November, with Windows 10 PCs able to enjoy EA Play in December.
What Is Xbox Game Pass Ultimate
An Xbox Game Pass Ultimate membership includes all the benefits of Xbox Live Gold, plus over 100 high-quality console and PC games, and access to EA Play at no additional cost. New games are added all the time, so theres always something new to play. Plus, enjoy exclusive member deals and discounts, play together with friends on the most advanced multiplayer network and discover your next favourite game.
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Xbox All Access For Xbox Series X Series S: Everything You Need To Know
A couple of years ago we revealed Xbox All Access, which is a contract service you can use to get an Xbox console by paying in monthly installments, instead of a single upfront payment. Microsoft trialed Xbox All Access with the Xbox One consoles back in 2018 in a couple of markets, but with the Xbox Series X and Xbox Series S, Microsoft expanded Xbox All Access quite broadly to several new countries.
So, what exactly is Xbox All Access? Here’s what you need to know.
When Can I Sign Up For Xbox All Access
Preorders for the Xbox Series X and Series S went live today at multiple retailers, including Amazon, Target, GameStop, Walmart, and the Microsoft Store. Unfortunately–as expected–preorders sold out very quickly at all retailers, and it’s unclear when more will be made available. The Xbox All Access situation was even more precarious, as it’s unclear if anyone was actually able to sign up for a plan through the various retailers offering an Xbox All Access payment plan.
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You Want It All For Less
If youve been playing your Xbox One for years and youre just ready for next-gen and everything it has to offer, Xbox All Access makes sense for you.
Xbox All Access provides a new console plus 24 months of games and multiplayer for a simple monthly price. Thats everything plus the kitchen sink for $20-$60 less than youd pay piecemeal, and the low monthly payments may help you balance your budget better than a massive upfront expenditure.
Xbox All Access: Cons
I read through the fine print on the Xbox All Access agreement with Citizens Bank, and I generally liked what I saw. But its important to remember that credit companies are excellent at hiding extra fees behind technicalities.
For example: the Xbox All Access agreement promises 0% APR and no late fees. However, the agreement also claims that failure to pay on time could nullify promotional incentives and, in this case, those incentives include 0% APR and no late fees. Its a bit of a catch-22, and I dont know how Citizens would enforce it.
The $35 per month, no extra money deal also applies only for two years. As such, if you fail to pay the full amount after 24 months, Citizens Bank can start tacking on as much interest and as many administrative fees as it can get away with. While I dont want to be too cynical, credit companies generally make money by charging interest and fees. Charging customers less than retail price for two products doesnt seem as profitable as charging them more after the fact.
Theres also the fact that not every applicant will qualify for Xbox All Access. If your credit is bad or even if your credit is good, and Citizens Bank doesnt like the way your credit history looks it could deny your application. Your credit score could also take a hit if that happens.
The biggest reason to avoid Xbox All Access, however, is that 24 months of Xbox Game Pass Ultimate at full price is incredibly expensive, and potentially unnecessary.
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Includes 24 Months Of Xbox Game Pass Ultimate
Enjoy an instant library of over 100 high-quality console and PC games, plus join friends with online multiplayer.
Includes EA Play, which gives you in-game rewards, access to a huge library of great Electronic Arts titles, and more.
Experience new Xbox Game Studios titles the day they release, including Halo Infinite.
Play console games right from the cloud on your Xbox Series X|S, PC, and compatible mobile phone or tablet.
Buy A Preowned Xbox One X
First, I sold my Xbox One for $220 on Facebook Marketplace and bought a mint condition Xbox One X at a local pawn shop for $285. That takes care of the hardware. Now I have a machine that will play Cyberpunk 2077 and Halo: Infinite in 4K for little more than half the price of a Series X.
The graphics wont be quite as sharp, but Im still blown away by what the One X can do on my TV. You can buy new Xbox One Xs for $399, refurbished for $369, or search Facebook Marketplace Ive found plenty in multiple cities listed for < $300.
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Buy Game Pass Ultimate Subscription Codes Piecemeal Off Of Ebay
As for software, $14.99 is a nominal price to pay for the latest games and a Netflix-like back catalog of greatest hits. But heres a secret Microsoft doesnt want you to know: you can purchase individual one-month subscriptions to Ultimate Game Pass on eBay for $4.99. I can vouch for their legitimacy, as Ive been using them for years. Sure, you have to enter a fresh code each month, but its a small price to pay to save $120 per year. Plus, you can cancel anytime by simply letting your 1-month subscription expire no auto-renewals to worry about.
On that note, the greatest drawback, the catch to Xbox All Access, is that it locks you into paying full-price for Game Pass Ultimate for two years. If you instead pay $499 for a Series X console and purchase some eBay codes, even 24 of them, youll end up saving $240 versus Xbox All Access. If you can settle for an Xbox One X, youll save $440 versus Xbox All Access.
Best of all, on the Console + Codes plan, youre never locked into a monthly payment you may suddenly be unable to afford. Paying off your console up front is also a sure way to avoid missed payments.
I mean, can you imagine letting your Xbox affect your
Choose Your Console With Xbox All Access
With approval of Citizens One Line of Credit at 0% APR and 24-month term. Subject to individual credit approval. Taxes, shipping, and other charges are extra and may vary. See Citizens One Line of Credit Agreement at for full terms and conditions. Citizens One Line of Credit Account offered by Citizens Bank, N.A.
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What Happens To My Xbox Game Pass Ultimate Membership If I Return Or Cancel My Xbox All Access
Games Pass is included in Xbox All Access for each month you stay connected for the first 24 months. If you delay activation, you will still receive 24-month access, provided you stay connected to All Access for 24 months.
One Series: If youredeemed the Xbox Game Pass Ultimate token prior to returning your Xbox All Access, the 24 months of Xbox All Access Ultimate will be removed from your account at time of return. Note, once converted to Ultimate, Xbox Live Gold and other Game Pass memberships cannot revert. To find out more, visit theXbox Game Pass page.
Series S | X: In order to receive your paid months of Games Pass, you must have activated your Games Pass before you cancel. You cannot activate Games Pass after you cancel. Any months ofXboxGame Pass Ultimate, Live Gold, or Game Pass that youhave paid for but not yet used will remain on your account afteryou cancel until they expire up to a maximum of 36 months, inclusive of the 24 months that is part of All Access. To find out more, visit theXbox Game Pass page.
Xbox All Access Is It Worth It
Lets crunch some numbers. Is Xbox All Access really as good of a deal as it sounds? Whats the catch?
Ill start with the Xbox Series S. Heres what youd pay for everything in cash versus financing for 24 months. Im including 8% sales tax, but the tax will differ depending on where you live.
- Xbox One S console .
- 24 months of Xbox Game Pass Ultimate .
- Total: $658.76 + 8% tax = $711.46.
So if you enroll in Xbox All Access, youll actually end up saving around $63 versus purchasing the console and Xbox Game Pass Ultimate separately. From that perspective, Xbox All Access is a good deal.
Lets now take a look at the Series X.
- Xbox One X console 24 months of Xbox Game Pass Ultimate .
- Total: $858.76 + 8% tax = $927.46.
Once again, financing your next-gen Xbox will actually save you money versus paying cash, albeit less this time . Thats honestly pretty amazing, considering financing virtually every other asset on the market will cost you money in interest.
Citizens One has to make money somewhere, so Im guessing that in lieu of interest theyre getting a nice kickback from Microsoft, who in turn is subsidizing the cost of Game Pass Ultimate.
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