My Best Buy™ Credit Card


For People with
Fair Credit

REVIEWS

Reviews

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.

Card Quick Facts

Card Quick Facts

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

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • Earn 5% cash back at Best Buy OR 12 month financing on purchases $399 and higher
How to Redeem

Introductory Bonus

  • 10% back in rewards when you make your first purchase
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 25.24% (Variable) or 11.90% (Variable) on select purchases only
Intro Purchase APR -
Foreign Transaction Fee See Terms
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 Up to $38
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.

Visitor Reviews

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

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Average rating:  
 9 reviews
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.

by Amber
Best Buy Credit Card SUCKS

If I could give a negative star I would. They are charging 26-28% interest very soon after your purchase. Avoid. Go with New Egg or Tiger Direct. Best Buy SUCKS!

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...

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