Is there any way to purchase Xbox 360 content on Xbox.com without a credit card on file? I'm getting an error that says "You have no valid payment options on file" and my only options are Change Payment Options and cancel.

If I click on "Change Payment Options", I'm shown a screen that only offers to "Add A New Credit Card".

This happens even if I have enough of a balance in my account to make the purchase, and even if the content I'm trying to purchase is free.

It's probably worth adding that I have no such issues with Xbox One content.

Screenshot of the story page

  • Wait.. What do you mean by 'balance'? (As in: The currency; USD? Bitcoins? Microsoft Points?) and what were you trying to buy?
    – aytimothy
    Commented Jul 2, 2015 at 8:37
  • I mean local currency from prepaid cards on my Xbox Live account, which in my case is USD. Microsoft Points don't exist anymore and as far as I know you can't use Bitcoins on Xbox Live. Commented Jul 2, 2015 at 8:38
  • Er.. You can. But anyway - This sort of problem can usually be fixed by refreshing the page...
    – aytimothy
    Commented Jul 2, 2015 at 8:39
  • But that's not relevant to my question. Commented Jul 2, 2015 at 8:41
  • Is there any option to change to store credit?
    – aytimothy
    Commented Jul 2, 2015 at 8:43

1 Answer 1


So there's finally official confirmation that the real answer is "You can't." From this Major Nelson post about Xbox 360/Xbox One backwards compatibility:

The Xbox 360 Marketplace and the Xbox One Store websites use different architecture, so if you have credit but no payment option associated with your account, you won’t be able to use the credit to purchase Xbox 360 titles. You will have to add a payment option or purchase the title using an Xbox 360 console.

  • I've been doing just that for months. At the very least, we can say they do not actually check the card (it was cancelled over 6 months ago, when I replaced it, and last used almost a year ago, to update xbox membership)
    – user106385
    Commented Dec 25, 2015 at 23:07
  • Thanks for this. Just wanted to confirm that "purchase the title using an Xbox 360 console" does still work (just bought Portal 2 on my old 360 using my MS credit). :) Commented Dec 29, 2016 at 21:21

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