You can use a Best Buy credit card anywhere if you have the Best Buy Visa Card or the Best Buy Visa Gold Card. But you can only use the Best Buy Store Card at Best Buy.
The main difference between the two Best Buy Visa cards is that the Gold version charges a $59 annual fee and offers a 1% higher rewards rate at restaurants, bars, and grocery stores. But both cards reward you most at Best Buy (5%+ back).
Here’s where you can use a Best Buy credit card:
The Best Buy Store Card can only be used at Best Buy.
The Best Buy Visa cards can be used anywhere that accepts Visa.
All three cards offer 5% back in rewards at Best Buy, and 6% for Best Buy Elite Plus members.
The Best Buy Visa cards offer 2% back on restaurants and groceries, plus 1% on all other purchases.
The Best Buy Visas give you 3% back on fitness and sporting good purchases through March 2018. They also offer 3% on gas for a limited time, but they haven’t disclosed when that promotion ends.
You can use your Buy credit card anywhere, so long as it’s a Visa. But regardless of whether you can use your Best Buy credit card anywhere, you’re still going to get the most bang for your buck at Best Buy. You earn rewards at a higher rate at Best Buy, and those rewards are only redeemable for Best Buy gift certificates.
The Best Buy credit card is a Visa. This means you can use it at Best Buy, or anywhere else Visa is accepted, worldwide. Just make sure not to confuse it with the store card, because you can only use that at Best Buy. On a side note, the Best Buy credit card has pretty cool cash back rewards. You can get anywhere between 1% and 5% back on your purchases.
You can use your Best Buy credit card both in store and online before it arrives. To make purchases in a Best Buy store, you’ll need to bring your ID so Best Buy can look up your account and verify you’re authorized. To do so online, you first have to save the card as your primary payment method in your Best Buy online account. After that, you’ll be able to make purchases on bestbuy.com before your card comes. Your card should arrive 10 business days after approval.… read full answer
Here’s how to use a Best Buy credit card in store before it arrives:
Tell the Best Buy cashier you’d like them to look up your account.
Give the cashier a government-issued ID.
Make your purchase.
Here’s how to use a Best Buy credit card online before it arrives:
You can get Best Buy credit card cash back by opening an account, making purchases with your card or going to an ATM. But that’s only if you use the term “cash back” loosely. Best Buy credit cards don’t give you true cash back rewards that you can use anywhere. Rather, Best Buy cash back is more like store credit that you earn gradually. And you can’t get cash back at the register, like at some department stores. Your only option for cold, hard cash is a cash advance at an ATM, which is way too expensive to be worthwhile. Plus, you can only do that with the … read full answerBest Buy Visa, not the Best Buy Store Card.
Still, if you’re interested in both a Best Buy credit card and getting cash back, it pays to know what your options are and how they compare. Perhaps you’ll need to find a different card, or maybe one of the Best Buy options actually offers what you’re after.
Here’s how to get Best Buy Credit Card cash back:
Open an account. You get 10% back in Best Buy rewards on your first day of purchases (within 14 days of opening your account). That means if you spend $250, you get a $25 rewards certificate.
Make purchases. You get 5% back in Best Buy rewards on Best Buy purchases. That means if you spend $500, you get a $25 rewards certificate. You’ll also get an extra 1% if you’re a Best Buy Elite Plus member. This is essentially cash back you can only use at Best Buy. The Visa version of the card, which you can use anywhere, also gives you 3% back on fitness and sporting goods (through March 2018 only), plus 3% back on gas(limited offer with no set end date), 2% on dining and groceries, and 1% on everything else.
Cash advances. If you’re approved for the Best Buy Visa, you can withdraw cash from an ATM up to your “cash limit,” which is listed on your monthly statement. But you’ll have to pay a 5% fee, and a 29.24% APR will take effect immediately. So you should avoid this unless you’re in an emergency.
The closest Best Buy credit cards come to true cash back is the account opening bonus, since that money goes directly back into your pocket. The general rewards, though, only benefit you at Best Buy. So if you’re looking for everyday cash back, you might want to try the likes of Citi Double Cash and Chase Freedom Unlimited instead.
Yeah, pretty much anywhere. Because this one's a Visa, you can buy stuff from all Visa-accepted locations, about all of the globe.
The store card's a different story, obviously. You can only use that one in store, but it is easier to get.
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