The only difference between the Best Buy® Credit Card and the Best Buy® Gold Visa Credit Card is that the former comes with a $0 annual fee, while the latter charges $59 as an annual fee. Your creditworthiness will determine which of the two you get approved for. Both cards offer the same rewards, which include 2.5 points / $1 (5% back) at Best Buy along with 5 points/$1 (10% back in rewards) on your first day purchases made on either credit card, within 14 days of account opening.
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® Credit Card and Best Buy® Gold Visa Credit Card can be used anywhere that accepts Visa.
All three cards offer 2.5 points / $1 (5% back in rewards) at Best Buy, and 6% for Best Buy Elite Plus. Best Buy Elite Plus membership is awarded after spending $3,500 in a calendar year.
The Best Buy® Credit Card and Best Buy® Gold Visa Credit Card offer 10% back in rewards (5 points/$1) on your first day of Best Buy purchases charged to either card within 14 days of account opening.
The Best Buy® Credit Card and Best Buy® Gold Visa Credit Card offer 3% back (1.5 points/$1) on gas station purchases and 2% back (1 point/$1) on restaurants, bars and groceries. In addition, you get 1% back in rewards (0.5 points / $1) on any other purchase made outside of Best Buy.
You can use your Best Buy® Credit Card and Best Buy® Gold Visa Credit Card pretty much anywhere as the Visa card network is the most widely accepted internationally. However, using the Best Buy® Store Card is restricted to Best Buy. Regardless of where you use your Best Buy credit cards, 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 get a Best Buy Credit Card cash advance by requesting a PIN and going to an ATM to get your cash. You won’t be able to do a cash advance inside a Citibank branch with the Best Buy Credit Card, according to Citibank customer service, so you’ll need to find an ATM that accepts Visa cards. Note that you can’t do a cash advance at all with the Best Buy Store Card – only the Visa version allows cash advances.… read full answer
How to get a Best Buy Credit Card cash advance:
Request a PIN. Call customer service at 888-574-1301, enter your Best Buy Credit Card number, and request your PIN.
Bring your Best Buy Credit Card to an ATM. Citibank-branded ATMs are your best bet for a cash advance without an ATM fee.
Insert your Best Buy Credit Card into the ATM. Enter your PIN when prompted.
Select “Cash Advance” from the menu options. Follow the prompts on the screen.
Choose the amount of cash you want to take out. You may only be allowed to choose increments of $20, depending on the ATM.
Take your cash. Don’t forget to take your receipt.
Keep in mind that there is a limit on the amount you’re eligible to withdraw. Your Best Buy Credit Card cash advance limit is listed on your monthly statement. Cash advance limits are typically a fraction of your overall credit limit. Remember that the amount you withdraw as a cash advance will immediately begin accruing interest at a high rate. You will also be assessed a hefty cash advance fee.
The Best Buy Credit Card foreign transaction fee is $0. Cardholders who travel outside the United States won’t have to pay the extra 3% to 5% surcharge that credit card companies sometimes tack onto transactions made with other cards in foreign countries. Best Buy Store Card users will not have to pay foreign transaction fees when shopping at Best Buy’s locations in Mexico or Canada, either. In addition to no foreign transaction fees, the Best Buy credit cards have no annual fees. If you shop at Best Buy frequently, you’ll definitely benefit from these cards because they give 5% back in rewards for Best Buy purchases.… read full answer
Yes, the Best Buy® Credit Card does give cash back, but that’s only if you use the term “cash back” loosely. You can get Best Buy® Credit Card cash back by opening an account, making purchases with your card or withdrawing money from an ATM. 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 as you’ll be charged 27.99% (V) from the moment of withdrawal, and that’s on top of a cash advance fee of 5% (min $10). Plus, you can only do that with the Best Buy® Credit Card, not the … read full answerBest 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:
Make purchases. You get 10% back in Best Buy rewards (2.5 points / $1 spent) 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.
You get 5% back in Best Buy rewards (2.5 points / $1 spent) 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.
Best Buy® Credit Card also gives you 3% back (1.5 points per $1) on gas, 2% (1 point / $1 spent) on dining and groceries, and 1% (0.5 points / $1) on everything else.
Cash advances. If you’re approved for the Best Buy® Credit Card, 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% (min $10) fee, and a 27.99% (V) APR will take effect immediately. So you should avoid this unless you’re in an emergency.
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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