Xbox All Access – Is It Right for the Xbox Series X | S?

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Microsoft finally announced the cost of the Xbox Series X ($499) and the Xbox Series S ($299). For some, that $499 may be too much to chew, while for others, even the $299 may be a bit too much to lay out at once. Enter: Xbox All Access – where you pay monthly with no upfront cost, receive the console of your choosing, and with it all, an Xbox Game Pass Ultimate subscription is included. Does it sound too good to be true? Maybe.

Last October, Microsoft announced the Xbox All Access plan, where gamers could secure an Xbox One + Xbox Game Pass Ultimate for as little as $19.99 a month, under 24 month contract with no upfront costs. Today, Microsoft re-announced that the Xbox All Access plan will extend to Xbox Series X and the Xbox Series S and include an upgrade option if you’ve purchased an Xbox One under the plan. The question is should you take this offer? I’ll admit, at first glance, it seems quite appealing as I could spend that $499 on much better things like games for my new Xbox Series X. Let’s take a look…

Xbox All Access plans for the Xbox Series X and Xbox Series S

The above screenshot is taken from the Microsoft Xbox All Access site and pretty much sums it all up. Instead of paying $499 on November 10th (plus tax,) you pay $34.99/mo or $24.99/mo (also, plus tax), depending on the model selected, with no additional costs. Of course, this is subject to credit approval by Citizens One but sounds like a great deal, that is until you run the numbers.

Assuming you already have Xbox Game Pass Ultimate, the total cost of the subscription will cost you $359.76 for 2 years considering $14.99/mo which includes Xbox Live Gold. At the time of this writing, Microsoft doesn’t offer any type of discount if you buy a multi-month or yearly subscription, it’s $14.99 a month. Take it or leave it.

The other part of the equation is how much do these Xbox All Access subscriptions add up to? For the Xbox Series X you’re looking at $839.76 for both the Xbox console and the 24 month subscription to Xbox Game Pass Ultimate. For the Xbox Series S it’s $599.76.

Taking tax out of the equation, just to make it simpler, the entire Xbox Series X package at retail + 24 months of Xbox Games Pass Ultimate will run you $858.76, whereas on the Xbox All Access Plan the cost is $839.76, a $20 difference. Then you still have to think about the sales tax on top of that, which you will pay regardless. The Xbox Series S + 24 months of Game Pass Ultimate will cost $658.76 and with Xbox All Access, the same will run $599.76, for a $60 dollar difference, and a pretty significant savings when purchased with All Access. The other advantage to this route is that, unless you are paying cash to get a new console, or purchasing it on a deferred interest deal through Best Buy or another retailer, you will avoid paying interest via Xbox All Access.

However, its also worth noting that a hawk-eyed shopper may occasionally find deals on Xbox Gamepass Ultimate retail subscription cards at considerable discounts (our own Kevin May secured a 9-month supply earlier this year from Newegg, which in his case worked out to about 50% off the full retail price.) If secured for the full two years this way, one might realize a 24-month savings on the order of $175.00.

Depending on your financial situation and the sales tax in your area, your mileage may vary. You also want to consider whether or not you want a larger monthly payment opposed to just $14.99 a month. If you fail to pay your monthly payment for Xbox All Access, it could affect your credit, but aside from potential late fees, there are no other costs. However, keep in mind that, if the console breaks, you are still responsible for paying off the loan, as this does not extend your warranty in any way.

There are no application fees, no annual fees, no late fees, nor early repayment fees for your Citizens One Line of Credit for Xbox All Access. However, late payments may be reported to the credit bureaus.

There is also an upgrade option if you’ve already purchased an Xbox One under this program. As long as you have made at least the equivalent of 18 payments, you are eligible for an upgrade. For more information on upgrading, see the official Xbox upgrade site.

For me, the jury is still out. I prefer not to have a monthly charge, but on the other hand, I’d rather free up a bunch of cash on day one for launch titles. I don’t necessarily like the fact that there is not an extended warranty but then again, you wouldn’t be losing money if the console failed before the system was paid off. This is definitely something I will need to give a lot more thought to.

What do you think? Are you considering Xbox All Access, or planning to buying these systems outright? Comment below!

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