My Best Buy® Visa®

For People with
Fair Credit



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.

You can read more about these deferred financing plans here.

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

This is a store-branded card with lots of bad reviews. You may be able to get better rewards and terms with a cash back credit card that isn't for a specific store.

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.

Card Quick Facts

Card Quick Facts

  • 5% back in rewards at Best Buy OR deferred financing on purchases of $199 and higher.
  • 3% back in rewards at Gas Stations, Grocery Stores (through December 2018), and Home Furnishing Stores (through December 2018)
  • 2% back in rewards at Restaurants
  • 1% back in rewards on all other purchases
  • Points don’t expire as long as your account is active
  • Spend $3,500 per year to reach Elite Plus status and earn 1.25 points per $1 spent at Best Buy
  • Reward Certificates are emailed when you reach 250 points
  • Choose between rewards or special financing offers
  • Annual fee of $0 or $59, depending on creditworthiness

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 5% back in rewards at Best Buy and, or deferred financing for eligible purchases
  • 3% back in rewards at:
    • Gas Stations
    • Grocery Stores (through December 2018)
    • Home Furnishing Stores (through December 2018)
  • 2% back in rewards at Restaurants
  • 1% back in rewards for all other purchases

Introductory Bonus

  • 10% back in rewards on your first day of purchases, within 14 days of opening the account
Card Stats

Card Stats

Annual Fee $0 or $59 (depending on creditworthiness)
Additional Cards Annual Fee -
Regular Purchase APR 27.49% Variable (11.90% Fixed for select purchases)
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $38
Returned Payment Fee None
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 27.49% Variable
Balance Transfer Fee 5%, $15 minimum
Cash Advances

Cash Advances

Cash Advance APR 30.24% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Reward Options

    Earn 5% back for every $1 spent at Best Buy OR 12 month financing on purchases $399 and higher.

  • This Card Comes with Visa benefits.

    You will be provided with a list of benefits available to you once you get approved for your card.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 18 reviews
by Jamuna
DO NOT SIGN UP FOR THIS CARD!!!!!!!!!!!!!!!!!!!!!!!!

I got this card while I was purchasing a brand new TV and Best Buy workers brought up this credit card and was hounding me to sign up and said lot of good things about this card like rewards, cash back etc. and i do buy lot of things from best buy so I signed up, which was a biggest mistake. My original tv price is 1515 now I am being charged a interest of 1000$ for a pending balance of 770 which is humongous and ridiculous!! They have highest interest rates ever. Called customer service they are extremely rude and said there is nothing they can do about the charges. This is really frustrating to be on phone with them and to receive rude responses. I am closing down on my citi bank credit cards they are a huge rip off DO NOT GET SIGN UP FOR THIS CARD!!!!!!!!!!!!!!

by Edith
Great card

Everyones complaing about this card but I have the bestbuy only one and it is AMAZING they give you 6 , 12 , 18 and even 24 months to pay it off with NO interest . Yeah if you go over the time they chargee you the interest but just be responsible and pay it before time is up. Its a creditcard they have interest and yeah ita high so maybe you ahould have checked that before you got it ?? I have never paid any interest . I buy so much here . I recently bought a fridge and pay only 90$ a month for 18 months and save soo much on interest withoit having to spend a couple thousand dollars up front .

by Wendy
Best card I’ve ever had

I am surprised by all of the negative reviews I’ve read on the Best Buy VISA. It is by far the best credit card i’ve ever had. I only use it for my gas, groceries and Best Buy purchases but I’ve earned enough certificates to buy my kids Apple watches and Computers for Christmas. I pay my card off every month so do not have to worry about the interest fees and have had no issues in the four years I have had the card.

by mohcine
Dont get this credit card

this credit card is the worst credit card I had in my life. I did big mistake when I had this credit card. they charges me with highest interests when I talk to customer service on the phone so they can do something about those high charges of interests they said we can do nothing about it they were unprofessional and they talk with bad attitude I am going to pay off and close it. DO NOT GET THIS CREDIT CARD. they will rub you

by Jason Maynard
No communication

I got this card because I didn't want to buy a brand new TV out of pocket, I really should have just bought the TV outright. This card dropped my credit by 3 points just getting it. They sent no information to me and when I called and asked they told me they told me they had sent the bills even though I know for a FACT they did not. I ended up getting so upset I just paid the full amount after the second month straight of fees. No card was ever given to me at any point. This is without a doubt the worst card I've ever had. I would strongly recommend that you do not get this card.

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