What's the difference between the Best Buy Store Card and the Best Buy Credit Card?

Between the Best Buy Store Card and the Best Buy Credit Card, the Best Buy Credit Card is the clear winner. 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. But you only need “fair/limited” credit to get approved for the store card, which could make it good for some people. The Best Buy Visa requires at least “good” credit. Their terms are pretty similar beyond that. The Visa simply gives you the ability to earn rewards on non-Best Buy purchases.

The thing to watch out for with both of these cards is deferred interest. All Best Buy credit cards have it. This means that when they offer a low or no-interest financing deal for a number of months, the interest is actually accruing on any purchase amount. And if you have any balance at all left on your card at the end of the promotional period, all that interest will be added to your balance. You're much better off getting a real 0% intro APR credit card, like the Capital One Quicksilver. It has 0% for 15 months on purchases.