What Does Xbox All Access Include
Xbox All Access includes 24 months of Xbox Game Pass Ultimate which itself is receiving an impressive next-gen upgrade.
For the uninitiated, Xbox Game Pass is like Microsofts Netflix for games. The current library features hundreds of Xbox, Xbox 360, and Xbox One games that you can download and play at your leisure as long as youre subscribed. Titles range from AAA heavy hitters like Halo, Gears of War, and The Witcher 3 to indie darlings like Hollow Knight and Untitled Goose Game . Best of all, Microsoft is constantly adding titles to Game Pass, even first-party titles like Halo: Infinite in 2021, so theres always something new to play.
If that werent enough, Microsoft has announced that EA Play would join the catalog on November 10th. This means that some of the best games from EAs history, including Titanfall, Mass Effect, Battlefield, and Fifa would join Game Pass as well as future titles.
Game Pass Ultimate also includes 100+ titles for PC as well as Xbox Live Gold, so you can play online with your friends for 24 months as well. Considering Xbox Game Pass Ultimate typically costs $14.99 per month, the deal offered by Xbox All Access just became a little sweeter.
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.
Alternate Avenues For Growth
Citizens has a credit card business, but it’s not as sizable as other players, Coughlin said, and the hope is that this alternate route into consumer credit could bring Citizens more banking business.
“This is an attractive space for us to acquire new customers,” Coughlin said. “Our hope is the work we’ve done with them will put us in a position to be in the considered set to earn their wealth business, their mortgage, their credit card, and their deposits loyalty.”
Given Apple and Microsoft’s reputation for innovation and their far-reaching customer bases, these partnerships could help Citizens expand its reach.
According to a Federal Reserve report, Citizens Bank is the 16th largest commercial bank by assets in the US . The regional bank has roughly 1,000 branches, mostly in the Northeast. JPMorgan Chase, by comparison, has 5,000 branches across the country.
High-profile partnerships are one way for Citizens to tap more people to lend to, though the challenge of acquiring new customers doesn’t stop there.
With competition from both incumbent consumer banks and challenger banks like Chime, Citizens has spent heavily on technologies and rolled out new products to keep and win new customers.
During a second-quarter earnings call, Citizens Bank CFO John Woods noted the bank’s investment in “expanding digital strategies across the company to reach more customers” and “reinventing the payment experience at the point-of-sale .”
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Youre Not Interested In Ultimate Game Pass
Enrolling in Xbox All Access only makes sense if youre 100% certain youll want Ultimate Game Pass for the next 24 months.
As a reminder, Xbox Game Pass Ultimate includes Game Pass, Game Pass for PC, and Xbox Live Gold, which enables online multiplayer. If youre only interested in playing single player games or split-screen multiplayer, you might as well downgrade to Game Pass, which is just $9.99 per month.
If you factor in the one-month free trial, you can have an Xbox Series X plus 24 months of non-Ultimate Game Pass for just $787 after taxes, a sizable ~$120 savings off of 24 months of Xbox All Access.
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How Does Financing Work For Xbox All Access
Xbox Access is a subscription service that Microsoft launched in 2018. The program allows gamers to pay for an Xbox console over time instead of paying upfront. In addition to the console, you’ll also gain access to Xbox Game Pass Ultimate, which includes a library of 100 games, the ability to play games online via Xbox Live and more. Game Pass Ultimate usually costs $14.99 per month on its own.
With the Xbox Series X and lower-spec Xbox Series S coming on November 10, you can pre-order the console or wait until launch and join Xbox All Access through Microsoft, Best Buy, Walmart, Target or GameStop. There are three tiers for the program:
- For $34.99 per month over 24 months, you’ll receive the Xbox Series X and two years of Xbox Game Pass Ultimate. Total cost: $839.76
- For $24.99 per month over 24 months, you’ll receive the Xbox Series S and two years of Xbox Game Pass Ultimate. Total cost: $599.76
- For $22.99 per month over 24 months, you’ll receive the previous-gen Xbox One S, two years of Xbox Game Pass Ultimate and the option to upgrade to an Xbox Series X after 18 months. Total cost: $551.76
There are no upfront costs for Xbox All Access financing. Note that there’s no option to finance just the console, so if you want the console but not Xbox Game Pass Ultimate, you’ll need to find another financing option.
How Xbox All Access Works
Anyone who wants All Access must open a Citizens One Line of Credit. Citizens One, which is a brand name of Citizens Bank, N.A., provides the financing for Xbox All Access. There are no application fees, annual fees, late fees, or early repayment fees for this payment plan but you do need to qualify according to the bank’s requirements.
You cannot use your own credit card for Xbox All Access.
Upon approval and purchase of the Xbox All Access bundle from a retailer, you will receive an Xbox console and a code for 24 months of Xbox Game Pass Ultimate.
After that, you will receive a monthly statement with Citizens One recommended automatic monthly payments. After the 24-month period, you may keep the Xbox console that came with the bundle. Any returns or cancellations are subject to the retailer’s return policies.
Late payments may be reported to credit bureaus and may affect your credit score.
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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.
Xbox All Access: What You Need To Know
Xbox All Access lets you pay off the Xbox Series X or Series S in 24 monthly installments.
Xbox All Access was introduced years ago as a way for customers to buy an Xbox One without having to pay the full price upfront. It allowed them to pay a monthly cost while also getting access to Xbox Game Pass and Xbox Live Gold. With the impending release of Xbox Series X and Series S on November 10. Microsoft is offering Xbox All Access for both the Xbox Series X and Series S, too.
The Series S is capable of 1440p at up to 120 FPS, DirectX ray tracing, and variable refresh rate among other things. It comes with a custom 512GB SSD, which you’ll need to store all of your games and content as it does not feature a disc drive. The Xbox Series X is the more powerful of the two, boasting 12.16 teraflops, a 1TB SSD, and 16GB of GDDR6 SDRAM.
The Series S will launch for $299, while the Series X goes for $499. Preorders went live today, September 22 at 8 AM PT / 11 AM ET ahead of both consoles’ November 10 launch. However, if you don’t want to pay the entire cost upfront, Xbox All Access will let you pay your next-gen console off in monthly increments.
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How Much Does Xbox All Access Cost
Xbox All Access costs $25 per month for 24 months for Xbox Series S and $35 per month for 24 months for Xbox Series X.
Considering Xbox All Access includes Game Pass Ultimate, you’re actually saving money going this route. At $25 a month over two years for the Xbox Series S, you’ll pay $600 total. Normally, the console costs $299 and two years of Game Pass Ultimate costs $360–that’s a $59 savings. For the Xbox Series X, you’ll pay $35 a month over two years–that’s $840 total. The Series X costs $499, and if you add on the $360 Game Pass Ultimate cost, you’re still saving $19.
Microsoft has already announced that if you’re an All Access subscriber, you can upgrade to the Xbox Series X after you’ve reached 18 payments on your current contract. This gets you the Xbox Series X with a new Xbox All Access contract after trading in your original Xbox One.
Where Can I Buy Xbox All Access
Xbox All Access will be available in 12 countries this holiday, and more countries will follow next year. In the US, Xbox All Access is offered at Best Buy, GameStop, Target, Walmart, and the Microsoft Store. Xbox All Access costs $25/per month for 24 months for Xbox Series S and $35/month for 24 months for Xbox Series X. If more Xbox Series X/S consoles become available, here’s where you can sign up for an Xbox All Access plan.
- UK at GAME and Smyths Toys
- United States at Best Buy, GameStop, Target, Microsoft Store, and Walmart
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How To Sign Up For Xbox All Access
To sign up for Xbox All Access, you can visit different participating retailers in each country. For example:
A full list of retailers is available through Microsoft’s dedicated page linked here.
Microsoft said only qualified customers can take part, which means potential Xbox All Access subscribers will first need to pass a credit check. You’ll immediately find out if you qualify. Financing isn’t handled by Microsoft. For example, it goes through Citizens One in the US and Klarna in the UK.
What Is Xbox All Access
Xbox All Access is Microsofts financing program for the new Xbox Series X or Series S consoles. Enroll in Xbox All Access and youll receive a console on launch day November 10th plus 24 months of Xbox Game Pass Ultimate.
With approved credit, youll pay $0 down, 0% APR, and a low monthly fee ranging from $25 to $35 per month for the Series S and Series X, respectively.
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Where To Buy Xbox All Access
Xbox All Access is available in 12 countries at participating retailers. Microsoft plans on adding retailers in more countries throughout 2021, but for the Series X and Series S launch, the list of participating countries and retailers is set. Heres all of them:
- Australia at Telstra
- South Korea at SK Telecom
- Sweden at Elgiganten
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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How To Upgrade To A Next
If you already have an Xbox One S from your Xbox All Access bundle, you can take advantage of the All Access upgrade program to get a next-generation Xbox console.
If you are in a contract now and have made the equivalent of 18 monthly payments you are eligible to upgrade to an Xbox Series S or Xbox Series X bundle.
After qualifying for and purchasing an Xbox Series X or Xbox Series S bundle from a retailer, you would then mail your Xbox One S back to Microsoft with a provided trade-in kit.
How Much Is Xbox All Access
- Xbox Series X bundle: $34.99 per month for 24 months
- Xbox Series S bundle: $24.99 per month for 24 months
- Xbox One S bundle: $22.99 per month for 24 months
There are currently three Xbox All Access bundles available: Series X, Series S, and One S. The One S bundle is $22.99 per month and comes with the console and 24 months of Game Pass Ultimate. You can buy this bundle right now at participating retailers, and after 18 months, you can upgrade to a Series S or Series X .
The Series X All Access bundle is $34.99 per monthly, while the Series S bundle is $24.99 per month, and both come with 24 months of Game Pass Ultimate. The lineup is straightforward, and thankfully, thats a good thing. There isnt anything hidden when it comes to cost. You pay the subscription price for 24 months with 0% APR, so long as you make all of your payments on time. Furthermore, theres no upfront cost, so you can pre-order the Xbox Series X and Series S now and not worry about paying until the console launches.
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Xbox All Access: Pros
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. Heres how it works: You apply for a line of credit with Citizens Bank, much like you would for a credit card. 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.
First and foremost, the Citizens Bank line of credit is not nearly as punishing as a traditional credit card would be. Xbox All Access has a 0% annual percentage rate , meaning that you wont pay any additional interest on top of the $35 per month. Furthermore, there are no annual fees, penalty fees, or late fees.
To be perfectly honest, I was surprised to learn about the 0% APR, along with the lack of late fees and penalties. Typically, credit companies make their money by charging people interest if they dont pay their bills in full each month, and make extra money by charging administrative fees on top of that. But, as far as I can tell, if you pay $35 on time each month, for 24 months, there are no additional costs. Furthermore, if you miss a payment, you supposedly wont face any additional fees or interest at least for the first two years.
Citizens One Line Of Credit For Xbox
Gamers interested in joining Xbox All Access have the option to finance the entire deal by applying for a line of credit through Citizens Bank. There are perks for those that qualify for the credit arrangement, here is what you can receive:
- Buyers can upgrade to the next generation Xbox console after 18 months
- 0% APR
- No early repayment fees
The loan offer with Citizens One Line of Credit For Xbox is only offered through 6 retailers. These retailers are advertising their loan arrangement with Citizens One on their website or inside their stores, here are the stores:
How to Purchase/Apply
Visit one of the above retailers and look for the Xbox All Access offer then make your selection. The option to finance the deal will be available and you will see the connection with Citizens One.
Before applying for a line of credit with Citizens One customers can see if they qualify first which will does not require a credit check. If you do however qualify then a credit check will be required which will result in a hard inquiry on your credit report.
Xbox All Access is only available with a Citizens one line of credit xbox but is not offered directly through Citizens One, only at their participating retailers websites or stores.
After approval customers will receive a statement each month and it is recommended automatic payments are setup to ensure monthly payment.
What you get with Xbox All Access
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