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
  • Apply today and get 10% back in rewards on your first purchase
  • Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit with your Best Buy Credit Card.
  • Get 1 point per $1 spent (2% back in rewards) on net purchases made at restaurants, bars and grocery stores.
  • Get 1.5 points per $1 spent (3% back in rewards) on gas & clothing purchases. Valid 8/1/16–10/31/16
  • 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

Purchase Intro APR
0% - 11.9% (V) for 6 - 48 months
Transfer Intro APR
Not Offered
Regular APR
25.49% (V)

Best Buy® Credit Card’s Additional Info

  • MAX LATE FEE   $37
  • GRACE PERIOD   25 days
    28.24% (V)
    5% (min $10)
  • SMART CHIP   Yes, chip-and-signature
  • Deferred Interest Details: 6 or 12 Months financing on all storewide purchases totaling $199 or $399 and more, 18-Month financing on all major appliance purchases totaling $599 and more, 24-Month financing on home theater purchases totaling $799 and up and on Canon 5D Mark IV DSLR cameras
  • 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.

Customer Questions and Answers

Don't see what you're looking for? Submit your question about Best Buy® Credit Card to our community.

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.
46 Votes 89 43

Is this card issued by Best Buy or is it issued by someone else? I can't help but wonder because I keep seeing Citi.

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.
42 Votes 96 54

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.
Nov 30, 2015
Currently they do not offer these perks with the Best Buy Credit Card, but nevertheless this is a MasterCard and 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:
27 Votes 88 61
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Customer Reviews

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3.7 out of 5

590 reviews
Photo of Card H.
Nov 25, 2015
The Best Buy Credit Card would make a solid addition to your wallet if you pay your bill in full every month and already do a lot of shopping at Best Buy. After all, its most notable feature is the ability to earn 5% back on Best Buy purchases (dispensed in the form of Best Buy gift certificates); its biggest flaw is the deferred interest clause in its financing plans; and you have to choose between rewards and promotional financing at the outset. In other words, you can find a better financing vehicle elsewhere, but a no annual fee offer that subsidizes Best Buy purchases to this extent would be more
Photo of Manjiri S.
Aug 6, 2016
One of the worst cards ever!! No stars, if I could. They sent my card back stating incorrect address but had the correct address to send me a reminder stating my bill was overdue. When called, I did receive my card late, but by then the interest charge on the bill not paid already accrued. When I disputed these with the customer service, they said they cannot revert the charges cause I was late in making the payments. Needless to say, probably the worst credit card experience ever. Buyer beware.
Photo of Katherine B.
Jul 12, 2016
I think this card is great! I have done a few promotional purchases since I got the card about 6 months ago. I am never late on a payment, and I've not been charged any interest since I paid off the balance before the promotional end date. I do wish that they would be a little more giving with the credit limit. I got approved for $1500 (the Visa card) and have not been able to get an increase since then. I only use it for the interest free purchases so maybe that's why I can't get any love. LOL. Pay on time and you'll enjoy the benefits. :)
Photo of Sian B.
Jul 1, 2016
For the past 3 months I have had to call and discuss my bill with customer service. Here are the issues I have with CitiBank and Best Buy:

1. They do not go off of a 30-day billing cycle like most credit cards. Their billing cycle is ONLY 27 days which has resulted in me paying a bill twice in one month.

2. Their late fee is $37.00. If you are 1 DAY late they charge the late fee, HOWEVER, If they charged in error it takes 2 MONTHS for the late fee to come off.

3. You have to keep accurate notes every time you call customer service because they will tell more
Photo of Jose L.
Jun 23, 2016
Horrible credit card, I had a fraudulent charge in my card and disputed since December 2015 (we are in June 2016 Now) Best buy Credit card asked me to send paper work and to personally go and argue with the merchant were this charge was done , I did all this and proved I never made that charge. In may they credit back my account, 8 days later they processed the same charge for the same amount and from the same merchant. BEST BUY CREDIT CARD told me they needed more info and were doing more info, that I wasn't going to be charged any interest on that amount; which more
Photo of Tae O.
Jun 22, 2016
New best buy cc holder. $500 limit. I made multiple purchases almost maxing out the card. Then i made large payments of $317, $250, $235 & $437 everything was paid before a statement was even processed. The reason was i was trying to increase my limit to possibly make larger purchases later. After each payment my account was credited about 2 business days later (normal) but this last payment i made on june 13th, 2016 for roughly $437 was posted on june 13th, withdrawn from my bank account (same one i used on previous payments) on june 14th, 2016 and its june 22nd right now and still hasnt been credited more
Photo of Jaime Q.
May 25, 2016
Just don't do it to yourself.
Photo of Denis O.
May 24, 2016
The rewards suck in that you get a very short time to redeem them, maybe only about six weeks, so if you don't use them they are gone forever and you can't save them up for a large purchase at Best Buy. Interest rate i extremely excessive and I have had more than one month were I got no statement in the mail.
Photo of Avi K.
May 7, 2016
Worse customer service. Came to the store to buy something but my card was declined even though I I have a line of credit of $1000. I called them and they said that I'm past due even though I paid on time and I got a confirmation number. They are really unprofessional and I am definitely not planning on buying from them ever again.
Photo of Brooke N.
May 12, 2016
this literally just happened to me like an hour ago..
i paid three days ago (before it was due) and got a confirmation number, went to the store today to purchase something and my card was declined multiple times because i was 'past due'.
Photo of Jonathan F.
May 4, 2016
I bought a computer at a local Best Buy and they insisted I use and sign up for this credit card. And they messed up my name and my address and did not send me statements on time. Then a month down the road I get a call from my credit monitoring company that these guys are hurting my credit. Luckily I got their credit information from my credit monitoring agency and paid their card off. Never again will I buy anything from Best Buy or use their credit cards. What a headache and a big joke. And I will tell all my friends and relatives the same.
Photo of Dee S.
May 23, 2016
The same thing happened to me on a 12-months same as cash offer. They sent the statement to the wrong address, then charged me interest for missing my first payment. I wrote to them; no response. I paid what I owed and stopped paying. Unfortunately, I didn't have a credit monitoring service at the time, and they have placed my account in collections. Still fighting.
Photo of Mark L.
Apr 25, 2016
I was pressured to get this card when I bought a new laptop ($1400) at Best Buy. I thought that perhaps it would be a good idea when combined with their rewards program. Imagine my surprise when, receiving my first bill a week after the purchase, I discovered the APR on the card is 25.49%. That's exceptionally high! I called to see about getting the APR decreased and learned that Best Buy credit, with whom the card is issued, is actually CitiBank. Now, I have a separate Citibank card, with a 12.49% APR. I said I'd like to transfer the balance to my Citibank card, but the phone representative said more
Photo of Dan C.
Mar 16, 2016
If I could give this a zero I would. Be extremely careful what the sales rep at the store tells you regarding this card. They will tell you 0% interest for 24 months (or, whatever promotion is going on at the time), then a certain interest rate will be added after the promotion ends. They WILL NOT tell you that back interest will be applied if it is not paid off in full within the promotion period. At least my rep did not when I asked. The rep just wanted to get the signature.
Photo of Yvonne T.
Jun 2, 2016
I believe that's what they all do with promotional interest. If the debt is not paid when the promotional time ends you must pay whatever the interest was from the day of purchase, even if you only owe a very small balance at the end of the promotional period. I have several major credit cards with excellent credit lines but I make sure to pay the purchase off before that promotional period ends. I currently have a six thousand limit with Best Buy but the reason I don't like the card is because you have to either go for the rewards or the no interest period. In other words I more
Photo of Gee B.
Feb 23, 2016
All of you people who are complaining or writing 1-2 stars, are complaining about things that were made VERY CLEAR in the application, the packet, and if you just did your research and read the My Best Buy Citi Bank booklet. It's your fault for not doing your due diligence, and it outlines all of the policies and guidelines about compounded daily interest, APY, APR, and financing deferred interest. They aren't manipulative, you guys just are lazy typical Americans who don't read and just apply for stuff. Don't fault them for your mistakes. Every complaint I see here couldve been avoided if you read the terms and conditions before applying.
Photo of jkljh
Feb 21, 2016
I got this card when I needed to buy a new laptop, the financing options are great. Sometimes the current financing options can be unclear which can be pretty inconvenient. I've only had to contact customer service once and the experience was on par with what you would expect. Overall I like having this card as it makes purchasing more expensive items less of a burden.
Photo of Shulkies X.
Feb 10, 2016
If i could give them zero stars I would!! Just like some of the other reviews I should have done my research before getting this card. This is a credit card that you have to literally babysit if you don't you will be stuck paying for charges and interests that you aren't even aware of.
Photo of Jodi S.
Feb 9, 2016
This card is horrible and has the worst customer service. I wish I had done my research before we used them, now we are stuck overpaying on purchases due to all the fees. We tried to work with customer service, their response was horrible and rude. Don't waste you time and money on them.
Photo of Michael B.
Jan 25, 2016
Customer service is AWFUL ! It took 2 months just to receive my platinum card. Be prepared to give your life history to verify byour account! Annoying. Avoid
Photo of Ana C.
Jan 19, 2016
The worst customer service ever and customer representative management is incompetent, they only can and are willing to say "no", "unfortunately I can not..." ... like somebody already wrote :".. When you call to talk to a representative the management are idiots." ...
when I opened my credit card they asked for my email, my mail address and my phone number, and when for no reasons I payed late( I assume I forgot what date was my balance due date) they was unable to reach me at any of this to let me know, so why do they get all of this information from us when they sell credit cards???? more
Photo of Dave M.
Jan 12, 2016
The card itself is good enough, the customer service is horrid. I know bad customer service I work for Comcast... I had "Xena" refuse to help me because the 'website doesn't accept Google Chrome, and it would be pointless'. Seriously screw these people.
Photo of Christal B.
Jan 9, 2016
I've had my card for almost 4yrs and have always paid on time and I ask for a credit line increase for the first time and I get denied! What gives!? I have worked hard to build my credit and now I have a hard inquiry on my credit!! Thanks for NOTHING!! Paying this ridiculous card off and closing my account!!
Photo of Stephen M.
Jan 4, 2016
I have had this credit card for years, back when it was still a MasterCard. The rewards for this card are subpar at best, since you only get points to use at Best Buy. if you do a lot of shopping at Best Buy that is great, if not, not so much. I have had trouble in the past with their customer service about not applying a payment properly. So be prepared to fight for what you need done and what should have been done in the first place.
Photo of Troy A.
Dec 30, 2015
So this card is a double edge sword. On one end, it allows you to purchase something that may be a little out of your price range for 0% for 18-48mo, and on the other end, it allows you to do just that, often spending much more than you anticipated. Obtaining the card was exceptionally easy. I needed a new laptop and didn't want to charge it to my personal credit card. I told a store clerk what i needed and all of a sudden i was approved for an exceptionally high amount. I didn't complain. The one gripe i did have however, is you cant have your cake and more
Photo of Julianne H.
Dec 29, 2015
This is a total scam. They allow you to make large purchases as "18 mo interest free w/ payments" but then if you make any other purchases your payments will go towards them instead of your large purchase which makes you not pay off the large purchase in time then you will procure all of the backed interest. When you call to talk to a representative the management are idiots.
Photo of Tiffany F.
Jan 6, 2016
Yes! This just happened to me... the represtatives are awful! Stuck paying 1800$ now! Ugh
Photo of Jodi S.
Feb 9, 2016
They did the same thing to us. I tried to talk to customer service and they pretty much told me I was irresponsible and couldn't manage money. They are so rude and do not care about their customers.
Photo of La-Taunya B.
May 5, 2016
You simply have to subtract your more recent purchase from your balance and figure out your monthly payment for the 0% and add your new purchase amount to that amount. This way you are paying for both purchases on a monthly basis. I had to figure that out because my 0% promotion is ending soon. I will have paid off my promotion in a timely fashion. voila, no deferred interest:)
Photo of Philip C.
Dec 3, 2015
I obtained this card about six months ago, and have nothing but good things to say about it! I used it to purchase a high-end "smart" TV for about $600.00, and paid an extra $150.00 for a five-year guarantee, and slightly less than this to have their "Geek Squad" deliver the TV, install it, connect it to the cable box, test it, etc. the next day. After having the card in my possession for about four months, and after conducting it impeccably, I asked for and received a credit line increase from $4,000.00 to $6,000.00. Given that I am a computer fanatic and love the latest gadgets, this card is more
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
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Last updated on: Sep 20th, 2016 at 8:14 EDT

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