Composed this for Xbox Series S thread, but is should serve as a useful reference, so I'm copying it here. A lot of people are confused about how this works.
Xbox All Access
It is neither a groundbreaking financial strategy nor internet-based service model, but it
is groundbreaking to gaming. They are bringing smartphone payment models to gaming. There are three subscription tiers currently advertised.
https://www.xbox.com/en-US/xbox-all-access/
- $34.99/mo for 2 yrs = $839.76 total --->> Xbox Series X + Game Pass Ultimate
- $24.99/mo for 2 yrs = $599.76 total --->> Xbox Series S + Game Pass Ultimate
- $22.99/mo for 2 yrs = $551.76 total --->> Xbox One S + Game Pass Ultimate + Upgrade Option after 18-months w/2nd purchase of one of the above
#1 saves you $20 over two years. #2 saves you $60 over two years.
So they don't look great on paper. On the other hand, that's true of almost all smartphones today. At least these plans actually save you money. You can buy the superior, carrier-unlocked version of pretty much any phone today, online or from Best Buy, and enroll with any carrier you want more cheaply than buying the phone from a carrier
with a contract. Long gone are the days when carriers aggressively subsidized your phone purchases to attract you to their service. Only those at the back of the pack like MetroPCS still throw out promotional deals like that. Yet almost everyone I know gets their phones through their carrier on payment plans. Why? Because they can get the latest and greatest if they don't have to pony up $1200-$1500 today. Microsoft understands this.
The #3 option is the best deal. I noticed it's sold out at
Best Buy.
I perused the
steps &
terms for upgrading. It works for the older Xbox One X and Xbox One S Digital Edition, too, if you already bought one of these via Xbox All Access, at least as far back as November 2019, with a Citizen's One Credit payment plan (the bank extending the credit & making payment collections for Xbox All Access).
Requirements to Upgrade
- Purchase the Tier #3 bundle with an Xbox One S
- Alternatively, it appears if you previously purchased an Xbox One X, Xbox One S, or Xbox One S All-Digital Edition via All Access, this plan already qualifies for the upgrade pathing. These plans cost $30.99/mo, $22.99/mo, and $19.99/mo, respectively, when they were offered.
- Special Note: Upgrading the Xbox One S All-Digital Edition will incur an additional $20 upgrade fee; nevertheless, even with this fee, it will still be $52 cheaper than the One S bundle in total.
- Purchase a separate bundle from Tier #1 or #2 while this 24-month contract is active. You could purchase this second bundle anytime including today. It's even okay as part of a pre-order. The important part here is that the person purchasing has a pre-existing line of credit active from the first bundle.
- After purchasing the second bundle you will receive an email from Citizen's One (the bank in charge of payments) asking if you wish to upgrade the first bundle. Respond affirmatively within 14 days.
- Reach 18 months of payment with the original account in good standing. At this point, they will freeze payment charges, and send a mail-in kit.
- Special Note: it mentions that if you bought an Xbox One X between 11-18-2019 and 12-31-2019 on a Citizen's One payment plan, it will only require 12 monthly payments to reach the minimum. That plan was $30.99/mo.
- You must mail back your original Xbox One S console within 14 days of receiving the kit. It must be in "good condition", as they deem it, which entails that it is: (a) physically intact without cracking, unblemished by etchings or coloring, and in working condition (b) includes its controller also in working condition, (c) includes the power supply brick that came with it
- Voila! Receive a new Xbox Series X upgraded kit in the mail.
So let's evaluate this All Access plan if you find a buddy to agree to go in together.
All Access Upgrade Strategy #1: Dual Xbox Series X's
One of you gets the flagship Xbox Series X and one of you gets the Xbox One S (which after 18-months is upgraded to an Xbox Series X). The total cost between you is
$1,391.52 after two years. This includes 2 x Xbox Series X, and 2 x 24-month Game Pass Ultimate memberships. A la carte, those would have cost
$1719.50. So this strategy saves you
-$327.98, or greater than the cost of an Xbox Series S, assuming you can find two parties who find everything bundled here attractive.
All Access Upgrade Strategy #2: Xbox Series X and Xbox Series S
One of you gets the Xbox Series S and one of you gets the Xbox One S (which after 18-months is upgraded to an Xbox Series X). The total cost between you is
$1,151.52 after two years. This includes an Xbox Series X and Xbox Series S, and 2 x 24-month Game Pass Ultimate memberships. A la carte, those would have cost
$1519.50. So this strategy saves you
-$367.98, or greater than the cost of an Xbox Series S (in fact greater than the cost of 2 years of Game Pass Ultimate), assuming you can find two parties who find everything bundled here attractive.