My Best Buy® Credit Card

For People with
Fair Credit



The My Best Buy Credit Card offers cardholders 5% in rewards for every purchase, or you can choose a deferred financing plan that allows you to pay over time at no interest.

However, if you choose a deferred financing plan and fail to pay back the entire balance by the end of the term, or if you make any late payments, you’ll be charged interest going all the way back to the purchase date. You can read more about these deferred financing plans here.

This card has no annual fee.

There are two versions of this card: the My Best Buy Credit Card Preferred, and the My Best Buy Credit Card. As far as we can tell, there is no difference between these cards.

When applying for this card, you’ll first be considered for the My Best Buy® Visa® (Review), a different card offer from Best Buy. 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 Gold Visa has an annual fee of $59, but if you cancel your card within 30 days you won’t have to pay the fee.

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.

Card Quick Facts

Card Quick Facts

  • 5% back in rewards at Best Buy and, or deferred financing for eligible purchases
  • No annual fee

For People with
Fair Credit



Manage My Card

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Card Details



  • 5% back in rewards at Best Buy and, or deferred financing for eligible 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
Additional Cards Annual Fee -
Regular Purchase APR 27.49% Variable (11.90% Fixed for select purchases)
Intro Purchase APR -
Foreign Transaction Fee -
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 -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

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

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:  
 13 reviews
by Tyler
Manipulates Customers into Ridiculous interest charges

Lets be clear, their motive is to trap you in insanely high interest charges. They encourage you to make automated payments and receive paperless statements. However, the "paperless statement" you receive in your e-mail is NOT your statement. It is a notification that your payment is due and the option to waste quite a bit of your time trying to figure out how to log in to their website to find your statement. Of course since I conveniently set up my automated payments, why would I go through all that trouble to find my statement. It is NOT important to Best Buy to offer clear notifications of soon ending promotional periods, this option is only offered to you after you close your account and obviously unhelpful at that point.I work for a retailer who has promotional deferred interest offers, our company makes it very easy to access our paperless statements. They offer a 6 month promotional period and allow you to schedule 6 payments at once, what a convenient way to help your customers pay off their account before interest is accrued. Even better, if you could not afford to pay it off in that 6 month period, they only charge interest on the remaining balance from the start date, not the balance as a whole.There are honest companies out there, this is not one. Customer service does not even pretend to suggest they make any efforts to help their customers avoid the interest. They are very clear that they intend this to be solely your responsibility in hopes that we will screw it up. 10+ years a card holder. Several thousand dollars spent. Not another dime, I can assure you of that.

by Tanya
Citibank are Criminals: BUYER BEWARE

Buyer Beware: If you are considering a Best Buy store card, I HIGHLY recommend looking elsewhere! They are ran by Citibank and will place "add ons" to your account without consent, such as their "Debt Protection" program. (If you'd like more info, Google "Best Buy Credit Card Debt Protection Scam," and you'll immediately be brought to several results detailing a class action lawsuit they were part of in 2015 for the very same thing). They have stolen over $2,000 from me over the years that they refuse to return. If you ALREADY HAVE a Best Buy card, PLEASE check your statement immediately to make sure a Debt Protection fee hasn't been taken out. It's a terrible shame that they are doing this to people, but I intend to warn as many customers/potential customers as I can. Stay away from Citibank owned cards!!!

by RandomTech
Details they don't tell you

I've used this card for around 4 years, and here's what I've experienced. I had done a few small financing offers and I was at 5 promo balances. I asked in store and they said you can't have more than 6. I asked the customer service line for the card and they say there is no limit. Well here's what happens after 6 or on the 6th. Say you finance a few items for $500.00 over 12 months. The transaction doesnt apply as one promotional balance it will split into 3 that make no sense. I had one for 360, one for 50 and one for 90. I had over 1500 left in available credit and it said I know had 0.00 and was trying to double charge me for my 500$ transaction. The 1301 phone number was zero help. I had to contact citibank to have the pending charge dropped and the credit balance restored. Well I decided to test another small transaction for 400.00 with multiple items. Again it split into a 330$ a 16$ and a 55$ promotional balance. I returned 70$ in items and instead of reducing the 400 to 370 it removed the prior 50$ transaction from the financing offer I mentioned in the last example. Customer service again didn't know how to do math and couldnt give me an answer as to why this was happening and said "when you apply your next payment contact us to let us know how you want it distributed" however they cannot control existing distributions only citibank can. The payment does not go to best buy it goes to their citibank holder. I will be paying this card off in the next few months and closing the account with this incompetent fools. There is never a valid reason for opening a store credit card with anyone. Best Buy especially.

by Selene
The worst experience ever!!! Don't apply for this Credit Card company!!!

The worst experience ever!!!What they are basically doing is lying to you in the store, where they telling you that you are getting a CC for 18 month no interest, and all of the sudden after 15 payments (I made auto-pay, not to be worry about it) you get a letter where they telling you that; you are paying interest. Because my CC promotion was for 12 month, not 18 month!!!! I was mad and I am still mad the way they pull-sheet me and everybody. Plus they charged me interest after 5 month after I open this CC account, I made another purchase in the store ''Iphone", where I am paying 50% cash, and the remaining balance I put on CC. I went thru the statements and I find out that after my second purchase they charged me every month interest for no reason but "I still have 7 month with no interest right??". I am very disappointed about their Cred Card service. I will never ever again buy anything from them it's just a scam.

by P Bowers
Added $200 6 months later! Beware

I made a purchase at Best Buy with this card and received a store credit as part of the promotion. I used the store credit a few days later to help buy a computer (that I wouldn't have bought without the store credit!). 6 MONTHS LATER they contacted me demanding that I pay them the amount of the store credit because they (not me!) had made a mistake in the original promotion. BECAUSE THEY ARE BOTH THE CREDIT CARD COMPANY AND THE RETAILER I HAVE NO APPEAL! Beware buying at Best Buy. Beware getting caught in their honeypot - even if you walk out of the store with store credit they still have their hooks in you.

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