Best Buy® Credit Card

best buy credit card
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Info about the Best Buy® Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
Existing Cardholders
Change my rating to: Excellent

Best Buy® Credit Card’s Rewards

Base Earn
0.5 points / $1
Max Earn
2.5 points / $1
Earn / Redeem Limit
  • Earn 2.5 points for every $1 spent (that's 5% back) on all Best Buy purchases with the card using standard credit financing.
  • Apply today and get 10% back in rewards on your first purchase.
  • Get 1 point per $1 spent (2% back in rewards) on net purchases made at gas stations, restaurants, bars and grocery stores
  • Earn 1 point per $2 spent (1% back in rewards) on net purchases made with your credit card outside Best Buy.
  • Get 5% back in rewards or special financing for 18 months.
  • Get a $5 reward certificate for every 250 points.
  • Enjoy exclusive discounts and events.
  • Free shipping on purchases $35 and up.
  • If you are a My Best Buy Elite Plus member you'll get a 0.5 point bonus (an additional 1% back in rewards, for a total of 6%) per dollar spent when using a My Best Buy Credit Card with standard credit.

Best Buy® Credit Card’s Key APRs & Fees

Purchase Intro APR
0% - 11.9% (V) for 6 - 48 months
Transfer Intro APR
Not Offered
Regular APR
25.24% (V)

Best Buy® Credit Card’s Additional Info

  • MAX LATE FEE   $38
  • GRACE PERIOD   25 days
    27.99% (V)
    5% (min $10)
  • SMART CHIP   Yes, chip-and-signature
  • Deferred Interest Details: 6-Month financing on all storewide purchases totaling $199 or more, 18-Month financing on all purchases totaling $479 or more, 24-Month financing on home theater purchases totaling $799 and up.
  • Deferred Interest Details: Extended purchasing plan – 11.9% APR on select purchases if paid in full within 48 months.
  • If, based on your creditworthiness, you do not qualify for the My Best Buy™ Credit Card account, you agree Citibank may consider you for a My Best Buy™ Credit Card Preferred account, a My Best Buy™ Store Card account, and a My Best Buy™ MasterCard® Gold account in that order, based on your creditworthiness.
Apply Now
at Citibank’s
secure site

Customer Questions and Answers

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Is this card thru Best Buy or is it thru someone else? I can't help but wonder because I keep seeing Citi. If I want a card thru someone else than I would have already done so.

Photo of Odysseas P.
Aug 25, 2015
Retailers need to partner with a bank in order to issue a credit card so in this case this is a co-branded card between Citi and Best Buy. As a result, there are Best Buy specific perks that you can get by applying for this card.
56 Votes 68 12

Is there an activation fee?

Photo of Card H.
Jan 2, 2014
No, this card does not have an activation fee. In fact, with the exception of secured credit cards (which require a security deposit that serves as your credit line) and certain unsecured credit cards for people with bad credit, most credit cards do not charge any sort of activation fee. Many have annual fees, but the activation fee is more common with prepaid cards.
55 Votes 61 6

Does this card offer buyer protection in the form of a 90 day protection against theft and damage? Also does it extend the warranty on a product?

Photo of Card H.
Jul 10, 2015
MasterCard credit cards offer extended warranties on many card purchases. You can find more information about the network’s policies in CardHub’s Extended Warranty Study:
45 Votes 64 19
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Customer Reviews

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3.8 out of 5

503 reviews
Photo of Ray J.
Nov 20, 2015
The worst card ever. Highway robbery. Save yourself a headache. Get different card then this trash
Photo of Niikholeezz M.
Nov 12, 2015
I've paid three times for a $400 iPad

Never use this card -crazy feed and interest rates

I will take them to court
Photo of Rachel D.
Nov 10, 2015
Best Buy representative misrepresented the card and terms in the store. Even though I paid the ENTIRE balance a week or so after the purchase. I started get bills for added fees. I called and got them adjusted or so I thought until I called the customer service line today. Not only did they not take off the fee, they added a late fee on top of that fee. Suddenly they want me to pay $84 so that I can have a $55 rewards card? What sense does that make? The only positive thing was that the representative I talked to the second time said that she'd take off the more
Photo of William B.
Oct 24, 2015
The best buy credit card was a decent card but the yearly fee and customer service sucks the little features is cool when buying things but thats about it maybe it's just me try it for yourself.
Photo of Yvette R.
Oct 23, 2015
Worst card my husband and I have ever had to deal with. We had to change our billing address and they blocked the entire account, because of "specialists" activity. They didn't let us know about this either they just let us decline at Walmart line while we were grocery shopping. So we called costumer service and they were absolutely no help they told us we could go to a Best Buy store and clear this all up.. That wasn't the case. We had to send a document with photo ID to identify that it really was us. So we did and they told us we had to send it again more
Photo of Kristina M.
Sep 16, 2015
I am not a person to negatively rate or review companies or locations except for when I have a significantly bag experience. This is exactly what happened when having to deal with the bank managing the Best Buy credit card (Citigroup). I purposely took out the credit card to build my credit with best buy because we are looking to buy many items for our newly remolded home and so figure that since I needed a new computer this would be the perfect opportunity. When contacting customer service for a credit increase the representative was rude and not sensitive to my needs. She basically treated me as if I was more
Photo of Muhammad S.
Sep 9, 2015
WORST. I kept asking many best buy personal that how my payments are directed and i always got reply that either they don't know or it goes towards promotions first. I always wondered that i select financing yet my minimum payments stay the same, so i always paid more that twice or thrice of that the minimum payment because I didn't want to pay interest. Now that I look back at the statements there are hundreds of dollars of interest charges, one charge was 300$. when i called they said that if you don't pay the promotional deal off, they charge all the interest that would have applied as if more
Photo of Peter C.
Aug 28, 2015
HORRIBLE. DONT GET IT!! My purchase was of $297, I'm enrolled in automatic payment (above minimum payment) and I called just to check on my balance cause I have about 8 months into it and its telling me that my ba;lance is $463!! WTF!! THATS ALMOST DOUBLE OF WHAT I PAID!! I called, I was polite, I was angry, I was sad- NOTHING. they didn't help me with NOTHING!! DONT GET IT!!
Photo of Andrew L.
Aug 20, 2015
The only thing I have to say bad about this card is the yearly fee. Other than that it's great! I used mine to buy a PS4 and got 0% financing for 12 months plus double points. The interest rate is pretty high though. So if you can get the 0% financing, plan on paying it off within the 12 month period so you don't get hit with the interest.
Photo of Marisol C.
Aug 10, 2015
Worst customer service ever! They blocked my online account for no reason and are asking me to fax a personal letter, a letter from best buy, and some other stuff.
Photo of Kenneth G.
Aug 6, 2015
I don't like that its not a secured best buy credit card. Do you have one
Photo of Kamariza N.
Jul 17, 2015
I like that there is no foreign transaction fee, as I travel alot and rack up foreign fees on other cards that I use. I don't like that it doesn't have a smart chip feature because I am limited as far as using it while I am abroad especially in Europe, where the smart chip is used in many places. I'm weary of the free shipping aspect, does that include overseas shipping? If so sign me up!!
Photo of Andi G.
Jul 2, 2015
We buy all of our macs and game consoles here. I have had a credit card through them for years. I made a payment in February and then came back to make a payment in March and the online system kept reading error no balance to pay. Since my balance had been super low I believed I had paid off my card. Months later, in June, I checked online to see my available credit limit for a new purchase and was shocked to see a balance of $200 dollars. There was an error with their online system and I owed $58.25 then over the course of 4 months they charged more
Photo of Monica A.
Jul 1, 2015
I cancelled my card because they were trying to charge me a huge fee for the next year. They showed the account as closed and still charged me anyway. Then they charged me late fees for months. When I called to get it cleared up they gave me the run around. Worst experience with a credit card. Worst customer service. And they "don't remove fees unless you write and fax them a letter"
Photo of Ramayan T.
Jun 29, 2015
This is a wasteful card, and the customer support is super rude and arrogant. They card service does not issue any alert on when your promotional balance is expiring and then post huge interest charges on it. And if you explain the reasons, there is no ways they are going to adjust the charges. I had to close the account immediately. I literally ended up paying 20% more of the cost of item that I bought. NEVER OPT FOR THIS CARD
Photo of Aisa T.
Jun 11, 2015
WHAT A NIGHTMARE! If you ever lose your card, be aware that it will be like pulling teeth to not only get a rep on the phone but one that does their job efficiently. It has been almost a month and I have not received my replacement card. Why? Because for some odd reason, the last customer serv. rep I spoke with (on the 17th of May--it's now the 11th of June) did not order me a replacement like they ensured they would. This did not happen once but three times. I have spoken with three different agents in the past month in reference to this teeny tiny operation and more
Photo of Brittany A.
May 15, 2015
My husband and I have used the Best Buy Credit card in the past. We longer have any credit cards on any kind. On the scale of credit cards this one is great if you don't ever pay interest on it. It is nice to have that buffer period where you can qualify for no interest, but if you have to pay interest the APR for this card is high! My Target card allows for free shipping just by using it rather than still having to have a minimum purchase of $25 for the Best Buy credit card.
Photo of Colby P.
Apr 30, 2015
Not the best card. The only way I would consider this is if I did a LOT of shopping at Best Buy. Having to use your rewards for only things at Best Buy is inconvenient. The APR is really high and it takes awhile to build up points if you don't shop at Best Buy often. The only perk is the lower intro rate if you were planning on making a purchase with the card soon after getting it and not paying it off quickly.
Photo of Allyson M.
Apr 15, 2015
It would be really great if Best Buy would also list the amount of rewards you could expect over the course of the year for certain purchases so that younger people wouldn't be as easily reeled into this kind of charge card. Since the rewards are based solely on Best Buy points, it would be nice to see a chart that showed how much you'd truly have to buy at Best Buy through the course of the year to make owning this card worthwhile. As far as I know, though, no other charge card offers this kind of service.
Photo of Russell G.
Mar 21, 2015
I had a best buy card and bought many things with it I became disabled in 2010 and had been paying the insurance on the card. I told them that I needed to use the insurance since I had became disabled and couldn't afford to pay the bill , thinking this was why I had insurance RIGHT ? Well I was informed I needed to have received unemployment to b able to apply the insurance I didn't file for unemployment because I didn't quit or get fired or layer off I almost died and simply never returned to work. Who at 38 years of age expects to never be able more
Photo of Rhonda W.
Mar 12, 2015
Although it is nice to combine a credit card with a rewards card, the fees associated with this card extremely high at 17.99% regular rate and a whopping 27.99% for cash advances. The rewards feature in this card are appealing with $5 for every $100 spent. Seeing that Best Buy is primarily a big purchase store, this helps.
Photo of Lee P.
Feb 25, 2015
Citibank who handles the Best Buy Credit Cards are the most dishonest Crooks there is.
I would pay my Credit Card early always before the due date. To my disbelief this Company applied the Payment for the Prior Month. So I was getting major late Fees etc.
I phoned several times and nothing is ever resolved. In fact I now believe I am paying for several Purchases more than once with this bunch of dishonest Crooks. So I have now decided not to send a Penny more and let them waste time trying to sue me.... Anyone in the USA on Social Security or Government Retirement can't have wages taken or more
Photo of Khan K.
Feb 25, 2015
The card has a rather high APR for purchases and a extremely high ARP for cash advances. The rewards are terrible and appear wrong. 2.5 Points per dollar spent should be 2.5% cash back not 5%. Unlike other credit cards you only get rewards for shopping at Best Buy. Chase Freedom give you 1% everywhere and 5% at certain locations. It appears the rewards certificate will only be valid at Best Buy, unlike other reward cards where you can pick what reward you want.
Photo of Jeff J.
Feb 19, 2015
Very tricky qualifications - Not only do they not tell you what you are applying for, but they changed up on how to qualify. They pulled Equifax (thought it was going to be TU) and then denied based on ratio of credit obligations to income being too high. Apparently they consider student loans and auto leases as part of credit obligations. Although my income is 90k I have 20k in student loans and 15k auto lease +5k that I pay off monthly on AMEX. I guess it turns out OK as I don't have to pay 27% interest. Just did not like having a hard pull for this. And they more
Photo of Casey D.
Feb 9, 2015
This cards interest rate is very high compared to other cards I have in my wallet. The rewards are about the only reason i would get this card; but i am not into big ticket items. I don't buy video games or televisions often enough to make it worth it. On the positive side the grace period is rather long giving some cushion before the 35 dollar late fee charge. That fee is pretty standard and can be compared to most credit cards. Lastly, Citibank is the holder of the Walmart credit cards and I have contacted customer service with Citibank before and in my experience they tend to rude more
Photo of Louise G.
Feb 8, 2015
Since last summer my husband had the best buy credit card. He was paying everything right. Suddenly he stopped receiving the bills. He thought he might had payed it off. Than the billings dpt started calling him. He told them he didnt have any bill posted to him anymore. Someone informed him they were sending it to the wrong apartment number. We lost count how many bills collectors started calling one after the other. For all of them He had to explain he wasnt receiving the bills and that He'd pay as soon as He receive a statement. When he finally received, he called to pay it all off. But more
Photo of Lee P.
Feb 25, 2015
How stupid to have paid them off for mistakes they made....
Photo of Ryan W.
Jan 23, 2015
Very Disappointed in this card. Ive had good creditfor a long time, and got a card from Citi for $3500 limit. So I figured why not, I shop at best buy a lot. Nope. $1000 Limit and 27.9% interest rate. I will never use this card, and will cancel it as soon as it comes in the mail.
Photo of Valerie S.
Jan 20, 2015
I became a member of the best buy reward card family in 2010. I have very faithfully paid the bill on time and even paid the bill off a few times but they have not raised my limit at all in the past 4 years. I am unhappy with this card. On top of the interest rate I have not been impressed with my interactions with customer service nor the reward program. I have read many reviews about this card and I think I am using it in the wrong way. I am going to take some of the suggestions listed to see if I can change my own opinion more
Photo of Bill P.
Dec 19, 2014
So let me lay this out. I loved my best buy card. Used it often. Paying it off as regularly and as often as possible. I kept this card thru my divorce and my world changing. Out of all my credit options that could have done way more for me than buy electronics I keep this card. Because of the general happiness I had with best buy as a whole and the lack of problems I had with the carrier of this card before citi bank. I have had my best buy card for nearly 7 years now. And in that time yes I have made late payments but I more
Photo of Alan M.
Dec 8, 2014
The Best Buy Credit Card is a great credit card that gives individuals an opportunity to gain credit while they make big ticket item purchases. The rates and fees are comparable to most other major credit cards and this one even has a few perks that come with it. I'm a Best Buy Rewards Zone member and its great that this card will allow me to gain Rewards Zone points just for using it. Throw in exclusive discounts and free shipping for online purchases and this card is a winner!
Photo of Robb P.
Nov 19, 2014
Photo of Courtney W.
Nov 18, 2014
It's an ok card overall does the job, just not that great. The interest is bad. There is not really much you can do with it without having to pay tons of interest. It does the job when use it for small purchases, otherwise choose a different card. Not good for emergencies especially if it's a lot of money being used.
Photo of Jim P.
Nov 11, 2014
The Best Buy card is a great financing card for large purchases at best buy, and for people who frequently shop at best buy. I have had this card, in multiple iterations, for a few years and routinely get mailed $5 discount coupons and other invitations for in-store events. The card has a relatively high interest rate at 17.99% however again this is a REWARDS credit card, and should never have a balance carried on it outside special financing periods for new purchases. The deferred interest deals are pretty industry average, ("6-Month Financing On all storewide purchases totaling $149 or more, 18-Month Financing On all purchases totaling $429 or more, more
Photo of Kristi S.
Oct 20, 2014
I have to admit, I do love to spend money at BestBuy. The credit card just makes it that much easier. I buy what I want and pay over time and get 5% back in reward points. Come to think of it, it may make me spend more money in BestBuy...oh well. You earn 2.5 points for every $1 spent on purchases with the card. And get a $5 reward for each 250 points.
Also, you get free shipping on items over $35 dollars, which can save you a lot of money when they don't have what you want in the store. Shipping on most of these items would cost more
Photo of Nikkieta K.
Oct 11, 2014
I was late on my payments a couple times and the customer service was always so nice and friendly, even though I was late in paying them. They took off late fees and were always cordial and willing to help. They never pushed sales on me, or reoccurring payments, I was very surprised!
Photo of Susan R.
Sep 26, 2014
Even though Best Buy credit card has many advantages they do not offer a free transfer on balances which most all other cards offer. They also chard 5% on the balance transfer. They also have a high standard rate of 17.99% after the introduction offer is expired. And if you do transfer they do not offer the introduction rate on that balance so you get charged the 17.99% right away. I love the fact that you can build points but I believe the interest is much higher than other offers I have seen.
Photo of Bobbi N.
Sep 8, 2014
I financed a new computer for $1000 on a Best Buy card. After nine months and paying $900, I still owed $1000. Here's how it happened: On the 25th of each month, I sent $100 through my bank's autopay. My payment was due on the 7th. Apparently, my autopay was not getting there until the 9th. I was getting late fees ($45), debt protection (which I never ordered at $10.35), and then interest ($65.76) I called many many times. They reversed two late fees. After several more calls, they reversed one more. That is roughly $100. That means I paid $800 in fees. They were unflinchingly unsympathetic. No one should more
Photo of Lee P.
Feb 25, 2015
I wouldn't have paid a cent more. Citibank who now handles Best Buy Credit Cards are a bunch of Crooks.
Photo of Andrea C.
Aug 27, 2014
The credit card for best buy seems okay. There are a few things I do NOT like about it one thing being that the late fee is kind of pricey. $35 just for a late fee?That's way to pricey for a late fee! you better never be late! I love the point system they have you get 2.5 points for every $1 spent and every 250 points you get $5 .There is NO earn or redeem limit which is super great. I like the fact that they have free shipping on orders over $25.One more thing I do not like is how high the interest rates are that's a bit to much for me.
Photo of Tina M.
Aug 6, 2014
I think that this is a very good card for the simple fact that it has many rewards. It also hass a great grace period. Although I think that the interest rate is a bit high but some of the other perks are very good in my opinion I just hope there is no other hidden items or charges
Photo of Britney C.
Jun 24, 2014
This credit card is a joke and I suggest no one fall into the trap of the "free 6 months no interest" it's total bogus. I have been a card user since 2009 and yet again they have changed their third party credit card company to yet another 3rd party credit card company. It's a total scam to take money from people. Also, watch your email they will send you emails saying you haven't paid - if you paid early or if you pay the day before- then charge you double.. SCAMMERS.
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Last updated on: Nov 23rd, 2015 at 12:57 EST

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