Best Buy Store Card Reviews: 590+ User RatingsReviews, rates, fees, and rewards details for The Best Buy® Store Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rate15% back in rewards initial rewards bonusQualify with fair creditHigh regular APRDeferred interest
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
The Best Buy Store Credit Card is a good credit card for people with fair credit or better who regularly make purchases from Best Buy. The Best Buy Store Card has no annual fee, gives 10% back on your first day of purchases (within 14 days of opening an account), and gives 5% back the rest of the time.Info about the Best Buy® Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.7/5
632 reviewsRead and write reviews
Editor’s Review
3.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.4
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases (Store Cards)” for this card.
Fees
5.0
Rewards
0.0
Cost
4.8
APR
4.0
4.4/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Best Buy Store Card Annual Fee
$0
Best Buy Store Card APR on Purchases
0% intro APR for 18 - 24 months, 31.49% (V) APR after that
Best Buy Store Card Balance Transfer
Balance Transfers Not Allowed
Best Buy Store Card Rewards
Get 7.5 points per $1 spent (15% back in rewards) on your first day of purchases made on the credit card within 14 days of account opening.
Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit.
Choose 5% back in rewards or flexible financing options. Get a $5 reward certificate for every 250 points.
Enjoy exclusive discounts and events.
Best Buy Store Card's Additional Info
Deferred Interest Details: No Interest if paid in full within 18 months on appliance and grill purchases of $599 or more.
Deferred Interest Details: No Interest if paid in full within 18 months on yardbird purchases of $999 or more.
Deferred Interest Details: No Interest if paid in full within 24 months on unlocked phones purchases of $649 or more.
Deferred Interest Details: No Interest if paid in full within 24 months on select exercise equipment purchases of $799 or more.
Deferred Interest Details: No Interest if paid in full within 24 months on home theater purchases of $999 or more.
The Best Buy Store Credit Card is a good credit card for people with fair credit or better who regularly make purchases from Best Buy. The Best Buy Store Card has no annual fee, gives 10% back on your first day of purchases (within 14 days of opening an account), and gives 5% back the rest of the time.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.0
User Reviews
3.7
Market Comparison
4.4
fees: 5.0
rewards: 0.0
cost: 4.8
APR: 4.0
4.8WalletHub Rating
WalletHub Rating
4.8
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.4
Market Comparison
5.0
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 5.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.3
Market Comparison
4.3
fees: 5.0
rewards: 0.0
cost: 5.0
Other Features: 4.5
(632)
(74)
(1,259)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% for 18 - 24 months
Purchase Intro APR0% for 15 months
Purchase Intro APRNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:5% (min $5)
Can't find what you are looking for? Submit your question about Best Buy® Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Yes, you can use the Best Buy Credit Card anywhere that accepts cards on the Visa network. That means you can use the Best Buy Credit Card at 10.7 million U.S. merchant locations, plus at millions of other merchants across 200 countries and territories worldwide.
The Best Buy Store Card, on the other hand, can only be used for purchases at Best Buy.
Other things to know about the Best Buy Credit Card:
The Best Buy Credit Card has a 0% foreign transaction fee, which means you won't incur extra charges for international purchases. The card also comes with an annual fee of $0 and offers 0.5 - 2.5 points / $1 spent on purchases. So, it's a good option for people who spend a lot on their card each month.
You need a credit score of at least 640 to get the Best Buy Store Card. That means this card requires fair credit or better for approval. There are other things besides your credit score that are taken into account for Best Buy Store Card approval.
Best Buy Store Card Approval Requirements
The basics. You will need a U.S. mailing address and a Social Security Number (SSN). You also need to be at least 18 years old (21, if you're...
Your Best Buy® Credit Card approval odds are pretty good as long as your credit score is at least good. There are actually two Best Buy credit cards, the Best Buy® Credit Card and the Best Buy® Store Card that you can only use at Best Buy. If you don't get the Best Buy® Credit Card, you'll be automatically considered for the Best Buy Store Card, which requires fair credit. But there's more to Best Buy® Credit Card approval than just your credit score.
The Best Buy® Credit Card annual fee is $0. Best Buy® Credit Card's $0 annual fee is lower than the average annual fee among new credit card offers right now. It's not the only fee you need to worry about with the Best Buy® Credit Card, though.
You cannot upgrade your Best Buy Credit Card to the Visa version.
If you want the Best Buy Visa card, you'll have to submit another application. Keep in mind that this could result in a hard pull on your credit, which may lower your score for a short period of time. So make sure you qualify for it.
You can check your Best Buy Store Card balance online. You can use the same login details to check your balance on-the-go on the Citi mobile app, available both on iOS and Android. Either way, you need to sign up for online banking.
You can also check your balance by phone: 1-800-950-5114. If you call from a phone number on file with that card, you'll automatically hear your account balance.
The main difference between the Best Buy Store Card and the Best Buy® Credit Card is where they can be used. The Best Buy Store Card can only be used at Best Buy, while the Best Buy® Credit Card can be used anywhere Visa is accepted.
Another difference between the two cards is the minimum credit score required for approval. You need to have at least good credit for the Best Buy® Credit Card. The Best Buy Store Card, on the other card, has more lenient approval requirements, as can get it...
It's hard to say why your Best Buy Store Card application was denied, as meeting that minimum credit requirement does not necessarily guarantee approval.
Issuers also use different approval criteria for different cards, taking into account factors such your income and existing debt obligations, too.
With that being said, you have the right to ask Citi why you were declined for the Best Buy Store Card within 60 days of receiving notification, according...
Online: Log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from.
Over the phone: Call (888) 574-1301 and enter your card information when prompted.
By text message: Text PAY to 81964 using the mobile device connected to your “My Best Buy Credit Card account.” Then, you will receive a text asking how much you would like to pay and which payment account you would like to use.
Via mail: Send a check or money order (but not cash) to:
My Best Buy Store Card Payments P.O. Box 9001007 Louisville, KY 40290-1007
Express Payments:
Attn: Consumer Payment Dept. 6716 Grade Lane Building 9, Suite 910 Louisville, KY 40213
In-store: You can make a payment at any Best Buy store during normal business hours.
If you choose to make a payment via regular mail, make sure to always send it at least 5-7 days before your due date. Also, include your credit card number on your payment to avoid any processing delays.
Share your insights and review for the Best Buy® Store Card
5
30%
4
32%
3
22%
2
10%
1
6%
3.7
632 reviews
632 reviews
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autumn averett @autumnaverett
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1 Star Rating
Customer service is awful and their payment plan is so backward it's terrible. I will stick with buying from Lowe's. Best Buy just lost my business.
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Jim Scanlan @jimsinmaine2700
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1 Star Rating
awful !!! No ability to talk to an agent the 888 number is just a robot Never Again. Do not use. You will be sorry. There are lots of better ways to save money. The 5% back expires quickly and is the the same as a discount
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1
0
Kandice @kandiglover
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5 Star Rating
Verified Customer
Nice to have. Helped with kids laptop. Was able to but a fridge when other died. Great customer service. Always good deals. The outlet are always a must see
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0
0
lmontgo2 @lmontgo2
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1 Star Rating
Horrible card. I paid off my account never had a balance that was to high. Paid them off they closed my account without even telling me. I called them to see why my account was closed they said because i had 2 missed payments from other accounts. Those mispayments were lost in the mail, I had gotten them straighten out. I very disappointed with best buy and Citi bank and I will never do business with them again. Don't waste your money on this place.
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0
0
Still Learning @Z9CLINE9
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5 Star Rating
Verified Customer
Love the many 0% promotions that they run so much,I never pay interest on my purchases. Plus adding sales prices on so many different thing makes this almost a one stop shop. Have had my card 10 yrs.and still haven't been offered to upgrade to Visa or Mastercard. Guess I should have taken it @ the start but,got .confused thinking offering was the Gold and definitely didn't want that kind of visa. Anyway it's great little srore card same high apr.as most retail &got 26% Enjoy just not more than you can pay off the next month when bill comes due or during the promo time.... Good Luck....NCZ
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1
0
Darlissa Green @josine3
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1 Star Rating
They closed my account due to Equifax or so they say. I have no delinquent accounts and never ever been late on anything. I contacted Equifax they sent my report which proves this and had me go online to my Equifax and create an account. I have pictures and screen shots and the report only for them to say they closed my account. This is crazy after 5yrs with this company never missed a payment if I decided to use my card and never paid out the 12-24 month period always 2-3 but they rather lose a customer than fix they error. I will not deal with this company ever again. 2020 they did me bad when I purchased a tv and now this crap. Forget everything Best Buy
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2
1
dgarlon @dgarlon
There seems to be something missing here I heard if the credit card is inactive or not used in 6 months to 1 year they can close and you would have to re-apply. Other than a change in your credit history credit card companies can close your account based information received from your credit report.
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0
0
ASHLEY Har @lady_eagle_09
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2 Star Rating
It was convenient when I needed to make a large purchase at Best Buy. That’s all I’ll say for the card. Other than the zero percent interest, I never got perks from it. It charged me $2 a month when you don’t use it. I was aware of the charge when I got the card, but it’s still kind of annoying. My biggest issue is when I tried to pay the thing off. I called and made a payment over the phone and received a confirmation number for paying off the card. In addition, I got a statement 3 days later showing a $0 balance with $0 due. With the confirmation number and the balance email, I assumed I was done with the card. To preface the next part, I will take some blame for not following my account closer, but in my defense did not get another email until 37 days later saying I owed $40 on top of the amount I thought I had paid off. Granted, I had not followed my bank account close enough, and I can’t see where it was ever charged or refunded now, but I NEVER got an email saying the payment didn’t go through or that I had a statement sometime in the 37 days that I owed money. I ended up paying it off today, but there were $40 worth of interest charges building up and added to my original payoff amount. The account supervisor did take off one of the interest charges but did not take off the other. That and the convenience of the card when I actually did need it every so often is the only reason the card received 2 stars.
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2
1
jafoxbody50 @jafoxbody50
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1 Star Rating
Never again. I got this store card in May 2017 1200 dollar limit. I dont use it much bought a laptop paid it off bought some other little things but rarely used it. Recently went to buy a security camera and they tell me my balance is only 100 bucks. Store staff told me i should have used it more. Customer service never said that when i signed up for it I just made all my payments on time. So hell with it 500 bucks left pay and shut it down.
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4
3
ericaleigh81 @ericaleigh81
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1 Star Rating
I got a best buy store card thinking I could get a decent laptop and pay it off over time. I got socked with a $165 interest fee that they will not remove. The "deals" are a joke- the'll get more than the original price once they hit you with the interest payments. -- Don't bother, unless you want to just give them your money. I'm closing out my card ASAP!
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6
6
dgarlon @dgarlon
If the item is on an interest free promotional the full balance must be paid before the time expires if not you get charged the full amount of the interest from the date of purchase.
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0
0
Saied Karoo @Saiedkaroo_1
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1 Star Rating
Been a loyal Best Buy customer for years had a. Eat buy card for 4 years with no issues until recently. Due to an error on one of my last payments where Best Buy sent me back my payment I was charged over $700 dollars interest. I called customer service and I explained my situation and that how it was an error on there end and all they could say was sorry we can't help you that the charges were already on your account. Honestly I can't believe this sort injustice is practiced at Best Buy. Never again will I shop at Best Buy.
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