Robert Sambrick, WalletHub Analyst
@robsam
The Best Buy Credit Card bonus is an extra 2.5 points per $1 spent (5 points per $1 total) on the first day of purchases made with the card, within 14 days of opening an account. After that, cardholders get 2.5 points per $1 spent on Best Buy purchases, in-store and online. Members of the Best Buy Elite Plus loyalty program also earn an additional half-point bonus for every $1 spent at the store.
The 5 points signup bonus offer applies to both the Best Buy Visa Credit Card and the Best Buy Store Card, but only people who get approved for the Visa are eligible for other bonuses. Those include 1.5 points per $1 spent at gas stations and 1 point per $1 spent at restaurants and bars. Those are bonuses because all other purchases outside of Best Buy get just 1 point for every $2 you spend. Points earned with either the Visa or the Best Buy Store Card are awarded in the form of Best Buy rewards certificates, which are redeemable only toward Best Buy in-store or online purchases.
By the way, as an alternative to the Best Buy Credit Card bonus, you can choose “flexible financing,” which defers the interest on your in-store or online purchases for 12 to 48 months on both the Best Buy Credit Card and the Best Buy Store Card. But these arrangements can end up being very expensive if you don’t pay in full before the promotional period ends.
People also ask
What credit score do you need for the Best Buy Credit Card?
The Best Buy® Credit Card credit score requirement is 700 or better. That means people with at least good credit have a shot at getting approved for the Best Buy® Credit Card. Approval odds are higher with the Best Buy Store Card; this card requires at least fair credit (640+ credit score recommended).
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Best Buy® Credit Card, too....
read full answerHow can I pay my Best Buy Credit Card?
The easiest way you can pay your Best Buy® Credit Card is either online or by phone at 1-888-574-1301. Alternatively, you can make a payment via text, by mail, or at a store. Citibank does allow cardholders to set up automatic payments, too.
Ways to Make a Best Buy® Credit Card Payment
- 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....
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