My Best Buy™ Credit Card

The My Best Buy Credit Card offers cardholders points back for every purchase, as well as additional benefits like free shipping, exclusive discounts and events, and special financing rates.

Where can I use my My Best Buy™ Credit Card?

This card can only be used at Best Buy stores. There is another version that can be used anywhere Visa credit cards are accepted called the My Best Buy Visa.

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.

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Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.

 

Can't watch the video now? Read the full transcript here.

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Quick View

  • Rewards
    • Earn 5% cash back at Best Buy OR 12 month financing on purchases $399 and higher
  • Signup Bonus 10% back in rewards when you make your first purchase
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee See Terms
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR -
  • Cash Advance APR -
  • Penalty APR None
  • Late Fee Up to $38
  • Returned Payment Fee Up to $38

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Perks

  • Reward Options: Earn 5% cash back for every $1 spent at Best Buy OR 12 month financing on purchases $399 and higher.
  • Limited Time Deferred Interest Promotional Offers

Unboxing Video

See more on our YouTube channel

Visitor Reviews

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

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Average rating:  
 7 reviews
by Karl Kelman
Customer Service Stinks

No option to speak to a human when you call the number listed on the website. Lost my card; no option for that either. Terrible!

by Cindy
Rude

I tried customer service number too make a comment. Apparently they didn't like what i had to say and hung up on me. I then called rewards number and they just offer automated deals. No human to interact with. I won't be using this card ever again. I got it for the rewards to save for a computer. I found out you have to use rewards by a certain date. You are unable to accumulate over time. There ia nothing i need or want at best buy at the moment, but i have to use $10 by tomorrow or i lose it. What a crock. It's there way of getting you in the store to waste money ever month. Shame in them.

by John
Rip off if you use this card with promotional balances

If you charge a promotional balance and then use the card for regular purchases, watch out! You payments go to the regular purchase first and when you deferred interest hits the card, you will wish you had used another CC...

by Paul G
Card refused by Citibank

I purchased a computer from Best Buy and was offered the 10% discount which could be used for my next purchase at Best Buy. I went ahead with the application process and was asked to talk to a bank representative. Since I don't use regular credit cards I don't have much of a credit history. However I do have a good credit score because I am a home owner and have no debts.I believe that I was refused the card because the bank knew that I was getting it only for the discount. So I was mislead by the offer. Something didn't seem right to me because I have had this kind of card elsewhere with no problem.The bank representative offered the Visa card option which would cost $60 for a year. I didn't accept.

by jason
Chose any other card before this one.

The card itself has decent rewards. That is where the good ends. Annual fees and very poor customer service. If you ever want a credit line increase, itll hit as a hard inquiry on your credit and they said they never increase automatically. Calls to customer care never give any kind of real answer. I was told to call other agencies to tell me what Best Buy credit will do. Made no sense and was no help on any call.

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