Best Buy® Credit Card

best buy credit card
Required Credit Score:
Good
4 421 reviews   Write a Review
JUMP TO: REWARDS | APRs | REVIEWS | Q&A | CUSTOMER SERVICE INFO
Existing Cardholders
 
 
 

Best Buy® Credit Card’s Rewards

Bonus
10%
Base Earn
0.5 points / $1
Max Earn
2.5 points / $1
Earn / Redeem Limit
No
  • 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.
  • Earn 1 point per $1 spent (2% back in rewards) on net purchases made at 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 12 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

Intro Rate on Purchases
0% - 11.9% for 6 - 60 months
Intro Rate on Transfers
Not Offered
Regular Rate
25.24% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER
    FEE
    5%

Best Buy® Credit Card’s Additional Info

  • MAX LATE FEE   $38
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   None
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    27.99% (V)
  • CASH ADVANCE
    FEE
    5% (min $10)
  • FOREIGN
    TRANSACTION FEE  
    None
  • SMART CHIP   No
  • Deferred Interest Details: 6-Month financing on all storewide purchases totaling $149 or more, 12-Month financing on all purchases totaling $399 and up, 18-Month financing on all major appliance purchases totaling $599 or more, 24-Month financing on all 4K Ultra HD TV and OLED TV purchases totaling $999 and up. 24-Month financing ends May 16, 2015.
  • 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
back to top

Best Buy® Credit Card Reviews

 
Your Rating: 0 edit
Your Rating:
0
1 2 3 4 5
 
3.9
Overall Rating: 3.9 / 5
Total Ratings: 421
Sort by:
Apr 30, 2015
Photo of Colby P.
1
By:
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.
Apr 15, 2015
Photo of Allyson M.
3
By:
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.
Mar 21, 2015
Photo of Russell G.
1
By:
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
Mar 12, 2015
Photo of Rhonda W.
3
By:
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.
Feb 25, 2015
Photo of Lee P.
1
By:
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
Feb 25, 2015
Photo of Khan K.
2
By:
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.
Feb 19, 2015
Photo of Jeff J.
1
By:
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
Feb 9, 2015
Photo of Casey D.
1
By:
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
Feb 8, 2015
Photo of Louise G.
1
By:
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
Feb 25, 2015
Photo of Lee P.
Lee Von Preussen
Feb 25, 2015
How stupid to have paid them off for mistakes they made....
Jan 23, 2015
Photo of Ryan W.
1
By:
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.
Jan 20, 2015
Photo of Valerie S.
3
By:
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
Dec 19, 2014
Photo of Bill P.
1
By:
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
Dec 8, 2014
Photo of Alan M.
5
By:
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!
Nov 19, 2014
Photo of Robb P.
1
By:
Nov 19, 2014
the WORST CARD EVER......THANK GOODNESS I PAID IF OFF CUSTOMER SERVICE SUPERVISORS LIES TO YOU AND ARE VERY RUDE PERFECT EXAMPLE IS SARAH ID #5020 WHATEVER YOU DO STAY AWAY FROM THE CREDIT CARD IS JUST NOT WORTH IT! NOT WORTH ONE STAR BUT YOU DONT HAVE MUCH CHOICE WISH THERE WAS A 0 STAR TO CHOOSE
Nov 18, 2014
Photo of Courtney W.
3
By:
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.
Nov 11, 2014
Photo of Jim P.
3
By:
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
Oct 20, 2014
Photo of Kristi S.
4
By:
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
Oct 11, 2014
Photo of Nikkieta K.
5
By:
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!
Sep 26, 2014
Photo of Susan R.
1
By:
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.
Sep 8, 2014
Photo of Bobbi N.
1
By:
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
Feb 25, 2015
Photo of Lee P.
Lee Von Preussen
Feb 25, 2015
I wouldn't have paid a cent more. Citibank who now handles Best Buy Credit Cards are a bunch of Crooks.
Aug 27, 2014
Photo of Andrea C.
4
By:
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.
Aug 6, 2014
Photo of Tina M.
4
By:
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
Jun 24, 2014
Photo of Britney C.
1
By:
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.
Jun 5, 2014
Photo of Kim R.
4
By:
Jun 5, 2014
I'm impressed with the terms of this credit card. The fact that it has a 0% interest rate for the first six months is a nice feature. I have a similar card. However if the balance on that one isn't paid within six months, the interest rate skyrockets. It appears the Best Buy Card has a progressive introductory interest rate on purchases for the first four years.
May 8, 2014
Photo of Emily P.
5
By:
May 8, 2014
I am genuinely impressed by this Best Buy credit card. It doesn't have a foreign transaction fee. I have the same benefit from a Visa Travel Reward credit card. However, the max rewards I can reap from that card is about 1.5 percent and that is only if I have made sufficient travel purchases first. Conversely, this card boast a minimum 2 percent reward rate (and that's if you never shop at Best Buy even) as well as free shipping when you do shop through the Best Buy website. Great deal!
Apr 18, 2014
Photo of Dakota D.
5
By:
Apr 18, 2014
i got this credit card to buy a power supply and an ipad along with those purchases i was given 6 months interest free financing by using this card which is great because now i dont have to pay it all at once and i dont get charged interest its fantastic!~
Mar 19, 2014
Photo of Devon S.
4
By:
Mar 19, 2014
Awhile back i considered getting a Best Buy Credit card. One day i decided to do it. I was apprehensive at first because i didn't know why i needed one. After reading the Credit Card rewards, i was sold.. First of all the points you earn are extremely worth it.
Every 250 points you get a free 5 dollars! How cool does that sound. I know it grabbed my attention. I really look forward to the discounts, i'm a sucker for discounts. The best thing in my opinion about this is the free shipping. I always order from home and i'm really excited to get the free shipping that comes with more
Mar 6, 2014
Photo of Katherine H.
4
By:
Mar 6, 2014
The Best Buy card is a good option for people who plan on making a big electronics purchase there (or who tend to buy less expensive things more often). It has a pretty decent intro rate APR for purchases so it's OK if you need a little extra time paying off that new computer. I do wish they had an initial bonus for signing up for the card (like some other places) but overall it is a pretty good deal. You also get first access to some good deals and discounts with the card. Overall, I think this is a good choice for people who like electronics!
Feb 19, 2014
Photo of Aleja S.
4
By:
Feb 19, 2014
I've been using this card for a couple of years now and have nothing but good things to say about it! Best buy offers no interest payments for purchases exceeding a certain amount (the higher the amount the longer you have to pay it off). You can make your payments online and the website reminds you of how long you have to pay off your balance before you get charged interest.
Feb 6, 2014
Photo of Sabira L.
3
By:
Feb 6, 2014
The Best Buy credit card is a good card for those who have to have the latest technology. The APR is extremely low compared to other retailers like Walmart and H.H. Gregg which offer similar products. Its bonus points program offers consumers good savings on future purchases. Its balance transfer fee is considerably higher than say Walmart, whose transfer fee is 3%. The grace period of 25 days is good, offering more time to pay down the card without paying too much in interest.
Feb 3, 2014
Photo of Todd P.
4
By:
Feb 3, 2014
The Best Buy card has pretty good rewards especially on stuff purchased at the store or online. You get 5% back on any purchase at those places which is great. You also get points for everything bought at 1 point/dollar spent. I mostly got this card to use on best buy purchases but have used it on many other things since.
Jan 19, 2014
Photo of Skye H.
5
By:
Jan 19, 2014
The Best Buy Credit Card is a wonderful thing to have if you're a frequent shopper of Best Buy. The rewards you get off things in the store really add up. The interest rate is pretty standard, but it quickly makes up for it in its potent rewards. Make sure you're checking the site often for deals using this card, because the options always change. With those benefits, it does require you to have good credit though, so that's about the only downside. Overall I recommend this card heavily to anyone who does a lot of shopping at the store.
Jan 6, 2014
Photo of Kyle E.
4
By:
Jan 6, 2014
This is the best card for someone who is into technology. I consistently save 5-20% on purchases made at best buy. Through Best Buy's reward points program I also earn 5x the reward points on purchases at Best Buy which ends up being a lot gift cards.
I can personally recommend this credit card, I mean most of the expensive things you would put on credit or otherwise are going to be electronics anyway. Best Buy doesn't have the best prices if you're not signed up for rewards, so the way I see it this is a win both ways.
Dec 17, 2013
Photo of Dallas H.
5
By:
Dec 17, 2013
The Best Buy Credit Card is a great credit card if you are a regular customer of Best Buy. They don't have the cheapest prices in town, but they reward their customers well with this credit card. First, the introductory APR is very good, and some purchases are eligible for up to 24 months of no interest financing, which is hard to find on general electronic purchases. And even after the introductory APR is over, the standard APR is just under 18% which is very good for a store credit card. The rewards program is also very good, and essentially equates to about 5% cash back. Also, there are different more
Dec 16, 2013
Photo of Mike P.
5
By:
Dec 16, 2013
I have owned my Best Buy card for over four years now. Best Buy is the only big electronics store in my area so I use this card to make a lot of big electronic purchases. Best Buy is constantly offering financing options which give you points back (which are redeemable for gift certificates) or up to 18 months interest free. The good thing is that no matter what option you choose, you get a certain amount of points back regardless. Overall I am extremely happy with this card and would definitely recommend it if you make electronic purchases.
Dec 13, 2013
Photo of Karen C.
3
By:
Dec 13, 2013
I've only used my Best Buy card to purchase a computer. I did so because I wasn't charged any interest for the first year and a half, which was perfect as I intended to have it paid off by then (and did). The interest rate after that introductory period is high enough that I don't use the card very often to make purchases. The APR is comparable to other store cards I use, such as Macy's and Banana Republic, but I don't shop at Best Buy as much as I do at those places, so it doesn't make sense to incur interest on the occasional purchase.
Dec 12, 2013
Photo of Dennis S.
5
By:
Dec 12, 2013
I have owned this card for 5 years now. What can I say about this great card. Making purchases on big items is great because you get a long time to pay off at a great monthly payment amount. Every time I make a purchase I use the card to gain points that are redeemable for credit in store. I also receive many great offers throughout the year. Sometime you can earn up to 3 times the bonus points on a purchase. Also most of times you can get free financing for 3 years on big purchases. I love this card and plan to own this card for years to come.
Dec 6, 2013
Photo of Andrew L.
3
By:
Dec 6, 2013
I used to be a hardcore Circuit City fan, but since the demise of their store I seem to be buying more at Best Buy. So getting the Best Buy Credit Card card made quite rational sense initially. This card has offered me introductory %0 APR but afterwards they increased the APR to %13 percent due to high number of credit card debt on my credit history. It is still a decent number but this card does not get that much use anymore, instead I use my Blue American Express which offers far better rewards and APR.
Dec 4, 2013
Photo of John P.
5
By:
Dec 4, 2013
The best buy credit card is really a great find. Depending on if you have good credit or bad credit, you may be eligible for this card. It comes with a 6-48 month intro period which is great because the apr only goes up to 11%. I have been able to get a ton of things I've wanted because of this card so theres no looking back now! Im really happy with the card.
Nov 26, 2013
Photo of Sara P.
4
By:
Nov 26, 2013
I really like how the Best Buy Credit Card offers bonus points on purchases that you can redeem for gift certificates. I have a store card from Maurice’s, and Old Navy, and neither of those offer this reward system. I also particularly like how there are different financing options for bigger purchases such as T.V.s, laptops, etc. The introductory interest rate is another bonus for this card. It’s a huge incentive for new customers to sign up for this card. The regular interest rate of 17.99% is the same as Maurice’s and Old Navy’s store card. This card is a great choice for those who need to have the latest more
Page: 1 · 2
 
Dec 9, 2013
Photo of Keith B.
By:
Dec 9, 2013
Is there an activation fee?
Jan 2, 2014
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.
Jun 23, 2012
Photo of Karen D.
By:
Jun 23, 2012
Trying talking to the customer service department - they are a foreign nightmare! Absolutely no help. Horrilbe! Horrible! Horrible!
Related Credit Cards

If you are interested in the Best Buy® Credit Card, check out the following credit cards as well:

 
Related Credit Card Categories

Best Buy® Credit Card is related to the following credit card categories:

CardHub is an independent card comparison service.

We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Once you click the "Apply Now" button, you will be directed to the issuer's website. Before applying, we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Best Buy® Credit Card shown on this page.

Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted toward the top of the page using the designation "Sponsored Card", when applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

Regardless of advertiser status, none of the information on CardHub constitutes a referral or endorsement of the respective issuer by us, or vice versa. Furthermore, it is important to note that the inclusion of non-sponsored cards on CardHub does not indicate that issuer's involvement with the site. Information is displayed first and foremost for helping consumers make better credit card decisions.

Last updated on: May 5th, 2015 at 7:59 EDT