Use the My Best Buy® Visa® (formerly the My Best Buy™ Mastercard) for deferred financing on eligible Best Buy merchandise or to earn rewards.
You’ll get 5% back in rewards for Best Buy purchases (6% back for My Best Buy Elite members), or you can choose a deferred financing plan for purchases of $199 or more. However, these deferred financing plans can be dangerous because if you don’t pay back the entire balance in full by the end of the term, or if you make a late payment, you’ll be charged interest on the full balance going all the way back to the purchase date.
When applying for this card, you’ll first be considered for the My Best Buy Platinum Visa. If you don’t qualify for that, you’ll next be considered for the My Best Buy Credit Card Preferred; then you’ll be considered for the My Best Buy Credit Card; then you’ll be considered for the My Best Buy Gold Visa.
The My Best Buy Gold Visa has a $59 annual fee, but if you cancel the card within 30 days you won’t have to pay the fee. The other versions of this card have no annual fee.
Can I get cash with my Best Buy Visa?
You may be able to get cash out of an ATM with your Best Buy Visa as a cash advance, but this will be very expensive and we do not recommend it. Learn about how cash advances work here.
You may want a different card instead
Cash Back Cards
Where can I use my My Best Buy® Visa®?
This card can be used anywhere Visa credit cards are accepted, which is pretty much anywhere credit cards are accepted. There is also a store-only version of this card, the My Best Buy Credit Card.
To see our comparison of both of these cards, see our Review of the My Best Buy Credit Card and the My Best Buy Visa.