How to convert Xbox eGift cards into Microsoft store credit


The last twelve months have been a Membership Rewards bonanza for folks applying for the American Express Business Platinum card. We’ve seen offers for 260,000 points, 160,000 points and offers without the traditional “once-in-a-lifetime” language, meaning that those who have had, or currently do have, a Business Platinum were eligible to get the welcome bonus on another one.

As a result, there’s a lot of folks out there with new Business Platinum cards and the corresponding $695 annual fee that goes with them. One of the biggest ways that Amex “offsets” that fee is by providing twice-yearly $200 credits on These credits renew on January 1 and July 1, and they must be used within six months of issue.

Many people use these credits to buy actual stuff from Dell, and that’s a fine way to use them. offers a wide-variety of different items and many folks can find something on the site that they need or want. Dell allows you to split payment across up to three different cards, so you can actually knock out three credits at once if you have multiple Business Platinum cards.

But another useful way to use the credits is by purchasing Xbox eGift cards.

What makes Xbox eGift cards desirable?

Xbox eGift cards can usually be purchased at 10% off using coupon codes (like the GAME10 code shown above), meaning that you can get $225 worth of Xbox credit for your $200 Dell credit +$2.50 in cash.

It’s possible to sell them to gift card resellers. Some currently have standing deals to buy Xbox cards at ~80% of face value, so you can get $180 in cash for your $225 in Xbox credits (be careful to check which denominations the reseller is buying before purchasing your eGift cards). This does involve a certain amount of risk, since you have to turn over the cards before receiving any money and some resellers require you to buy multiple $25 cards…which is a pain to say the least. Also, purchase rates can vary and sometimes may offer poor return on face value.

There is another great use for Xbox eGift cards, however: redeeming them for Microsoft Store funds. You can bank up to $1000 at any given time, meaning that you can turn those Amex Dell credits into more substantial electronic items like laptops, game consoles, software, etc. While this is a great option, we’ve heard from a lot of readers who are confused about how to do it. So let’s take a look.

How to convert Xbox eGift cards into Microsoft Store credit

After buying the Xbox eGift cards, go into your Dell account and select “My Account” from the dropdown menu on the top right corner of the screen:

Once on your My Account page, you’ll see a listing of all of your recent orders, including the Xbox cards you just bought. Note that sometimes, these orders don’t go through immediately and will be pending for anywhere between a few minutes to a couple of days. Some folks have trouble with getting orders cancelled. I occasionally buy actual goods from Dell, and I’ve never had any issues with gift card orders getting cancelled, but it can be helpful to spread the gift card orders out by a few hours or more if you’re having trouble. Once your order is confirmed and your eGift card is available, you’ll see it in the orders screen like this:

You’ll also see an order number, but I’ve redacted mine from the screen above. Once the order is available, click the “Dell Digital Locker” on the card that you want to redeem and it will take you to your digital locker where gift cards and software are stored. This is where a lot of folks start to get confused.

Your digital locker screen will look like this (except with order numbers and entitlement IDs that I’ve taken out of the image below):

When you click on one of the cards listed, you’ll get a screen that looks like this:

The “Get Key” button will take you to the redemption code that is the actual eGift card. It will be a 25-character code with dashes. If you’ve decided to sell your cards, this is the code that you will give to the reseller. But, if you’re going to redeem them for Microsoft credit, click the website listed above the key, If you’re already signed-in to your Microsoft account, it will take you directly to the redemption page in a new tab. If not, you’ll be prompted to log-in or create a User ID. Once you do, the redemption page will look like this:

Copy and paste the code that you have on your Dell screen and you’ll get another screen asking you to confirm your choice:

Click “Confirm” and you’ll receive confirmation that funds have been loaded. If you repeat the process again with a second card, you’ll see the additive total of the two cards (or more) that you’ve redeemed as well as the funds that you just added.

In order to check your balance, go to your Microsoft account, select the “Payment & billing” dropdown menu and click on “Payment options.”

This will take you to a screen that shows all of your saved payment options, including your Microsoft Store balance:

Once loaded, these funds can be used for anything you can buy on the Microsoft store.

Final Thoughts

Using Xbox cards for Microsoft Store funds can be a great use of the Dell credits from the Business Platinum, especially if you wait for a 10x bonus from a portal like Rakuten or Topcashback. Awhile ago, my wife and I bought a Surface laptop that was on-sale using approximately $900 in Microsoft credit. That $900 was actually $800 in Dell credit because of the 10% off coupons available on when we bought the Xbox cards. Additionally, I purchased all of the eGift cards during 10x Rakuten promos, so received 8,000 Membership Rewards points to boot (Rakuten rewards can either be redeemed for cash or for Membership Rewards at a 1:1 ratio). That’s a pretty good return for 4 Dell credits.

There’s also great options that can be had on, but at the very least, Microsoft adds some additional selection as well as an increased 11.25% in purchasing power due to the frequent 10% off coupons towards Xbox cards on the site. It can be a very useful part of the toolkit for using Dell credits to maximum value.

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All my Xbox GC orders ($250 total) got canceled today. FWIW this is the first time I have bought Xbox GC, and previously I’ve purchased physical stuff on my Dell account.


I placed an order last week and would only take 2 credit cards, and since I used Dell Rewards (using up 3 cards’ worth of Amex Credits generates a fair amount of expiring and otherwise worthless Rewards) I could only use one Amex card.


Oh yeah Tim thanks for telling us a day after once you’ve gotten yours in! Keep MS away buddy!!

Tina Boswal

Why does the Dell credit seem so painful to use? Heck, im an electronic junkie and I can very rarely find anything that perks my interest to use. generated cash via the XBOX is the only thing that really interests me


So I had been loading these back in the day to my account planning to get a phone through the microsoft store. It’s now been ages since a phone was actually available on the store there. FYI if that’s what you were planning. Now I have a ton of credit stuck there that I haven’t been able to redeem (reselling is a PIA for me but I guess I’ll get around to it eventually)


They are gone again. Dell canceled my order from two days ago with no email about the cancellation. First time this happened on my account, I’ve bought probably $500 worth of gift cards last year.


The Xbox gift cards appear to be gone again from the Dell website.

I placed on order on February 22 for two $100 gift cards (using the GAME10 code for 10% off of one of them). Total cost was $190. I received a confirmation email the same day. Now, the order on the website shows that it is cancelled; I didn’t receive an email saying that it was canceled.

For what it’s worth, I bought a cheap laptop last week, so that didn’t help.


Edit to my own comment. The Xbox gift card doesn’t show up at all when I use the search function on the Dell site. In the “Video Games” section, I see the gift cards listed, but when I click on them, the site gives an error message: “You have been redirected. The page you tried cannot be found; it may be an incorrect or outdated link.”


I don’t see any of these gift cards on


Oh, well, looks like January all over again. Thanks.


Saw reports of the price of the item you are buying from MSFT is higher than your store credit balance yr CC might get charged the full amount completely ignoring ye store credits

Boo Boo Bear

This happened to me. What I had to do was call. After a few weeks, the customer support representative resolved this by combining all my individual credits into a single big credit. Then the Rep helped place my order while I was on the line which DID correctly use the credits with the balance charged to my CC.


Tim, what’s happened to the XBOX cards on Dell? Suddenly today I see there are no $100 or $50 cards, just some odd numbers like $99.99, etc. I suspect these may not work with Amex credits. I have only 3 days …


Is there really a once per lifetime limit on Xbox gift cards now? (Seen in comments)

I always figured the people getting their Xbox orders cancelled were trying to max out the benefit on many cards, but it sounds like that’s not the case ???


Thanks a lot. I actually tried to buy a nice monitor first, but it’s “on sale” for $440 versus $390 at Amazon. There’s no coupon to make up this gap, and it’s not like I get better customer service or anything for that $50. I don’t understand their pricing. So xbox it is, if not cancelled.


Hi Tim,

Just wanted to flag that your email address is included in the screenshot of your Microsoft redemption key, in case you’re worried about that being in the wild. Unless that’s a fake email you’re using for public view because you’re a Raging Bull fan!


Autocancel Hell here too – perhaps that needs to be front and center in this post before anything else


Baruch Hashem!


Dell Auto Cancels these for me. When I called, they asked me if I was paying with an Amex Biz Platinum. When I replied yes, they said that they are limiting the purchases of gift cards to one per card per lifetime.


i just added it to my cart and was able to see it


Same here!

Repeat Offender Captain Greg

If true, this card immediately goes from a clear keeper to a clear cancel for me.

[…] See this post for step-by-step instructions on how to convert Xbox digital cards into Microsoft stor… […]


Thank you, thank you, Tim!

Extremely helpful. Efficient way to use the AMEX credit.


I converted $400 of Xbox GCs to MS Store credit, but I’m not finding any good value with their laptops at anything below $1000. Their eBay store has some decent buys, but they will not pricematch their own eBay store 🙁


Can you use the Microsoft credit on the eBay store?


Once the cards are loaded into the Microsoft account, do they have an expiration date?


Anyone having luck reselling things like the BOSE sports earbuds? I used my credit the first half of this year for those, and maybe that’s a decent option as well depending on turn around time?


Hey Tim, thanks for the step by step walkthrough! I have wondered how to do this for a long time but never looked into it. I checked the Microsoft website but couldn’t find anything I wanted / needed for around $200. I will keep this in mind for the next few months to see if anything comes to mind.

What is your go to use for Microsoft GC credit?


resell Xbox Series X

Adventure NML

Is there a way to combine the bank with additional gift cards at the time of purchase? Would be nice to be able to use more than $1000


what do you usually buy at the microsoft store? I’ve had Dell cancel orders for gift cards and issues redeeming the codes in the msft store


the codes I bought in Dec/around new years weren’t redeeming on the microsoft site. After a few weeks it was fine but not a great first experience lol


Can anyone provide the names / links of places to sell my Xbox gift card for the ~80% of face value referenced in this post?

Dan C

I honestly hate Dell for how they deal with these gift cards. Every order gets auto-cancelled. I’ve been verified 3 times now and have been able to get 2 orders to go through.

Last week I was auto-cancelled, called to get verified and was told my account will be suspended for 90 days because I’ve tried to order to many times. Dell sucks!! I would not shop with them other than trying to use this credit.

Anyone else having this issue? Is there a way to fix it?

Ryan del Mundo

I’ve tried a bunch of times, in fact trying too many times (with failure) resulted in missing my Q1 Biz Card bonus as they don’t actually charge your card till the order ships (I finally ordered a non-giftcard item) 🙁


I’ve had the same problem – cannot get an online order through for the life of me. However, I’ve found that calling and making the order over the phone has worked. You miss out on portal earnings, but at least it gets the order through.


Now if only one could get any xbox GC orders through without being auto-canceled!


Hi Tim – This is a great use of the Dell credits, I actually heard it first from Greg a few months back and I’ve actually done this hack. Quick question, do you know if there’s a way to transfer the Microsoft balance to another account? My son also uses this Microsoft account for his xbox gaming, so I’d like to “separate” this balance to another account. Is this possible? Thank you