Paddy Sullivan, WalletHub Credit Card Advisor
The best electronic store credit card is the Best Buy® Store Card. It gives 10% back in rewards (5 points per $1 spent) on your first day of purchases made within the first 14 days. Or, you can forego any rewards and instead get 0% deferred interest for 12 - 24 months on select purchases. But deferred interest is tricky. If you don’t pay your whole balance by the end of the 0% APR period, you owe all the interest that would have accrued during those months.
Generally, the best electronic store credit cards are those from retailers that sell electronics in addition to other goods. For example, the and offer great value. And the best overall store credit card for electronics has to be the , which gives 5% back on Amazon.com purchases for Prime members and instantly loads a $60 Amazon gift card upon approval. Amazon isn’t an electronics store per se, but it has more electronics than one.
There are a few other options of note, too. You can check out the particulars below.
Here are the best electronic store credit cards:
- Best Buy® Store Card: Annual fee: $0. Gives 10% back in rewards (5 points per $1 spent) on your first day of purchases made within the first 14 days. 2.5 points per $1 spent on Best Buy purchases. Free shipping on $35+ online orders. Fair credit needed. If you have good credit, you can get the Best Buy® Credit Card and use it anywhere.
- Amazon.com Store Card: $0 annual fee. $60 Amazon gift card upon approval. 5% back on Amazon.com purchases for Prime members. 0% deferred interest for 6 - 24 months. Fair credit needed. Works anywhere that accepts Amazon Pay. There’s also the Amazon.com Credit Card for people with good or excellent credit.
- Walmart® Store Card: $0 annual fee. 5 points per $1 spent (5% back) in Walmart stores when you use Walmart Pay for the first 12 months, 5 points (5% back) on Walmart.com purchases, and 2 points (2% back) at Walmart stores, Walmart & Murphy USA Fuel Stations. Fair credit needed. Can only use at Walmart, Murphy USA or Sam’s Club. There’s also the Capital One Walmart Rewards® Mastercard® for above-average credit.
- Synchrony Home Credit Card: Annual fee: $0. Let’s you shop at thousands of different retailers, including some electronics stores. Gives you access to cardholder-only sales and events. Offers 0% deferred interest at some stores for 6 - 12 months. Fair credit needed.
- Newegg Credit Card: Annual fee: $0. Exclusive discounts for cardholders. 0% deferred interest for 6 - 12 months on certain products. Fair credit needed. Can only use at Newegg.com.
- P.C. Richard & Son Credit Card: Annual fee: $0. 0% deferred interest for 6 - 36 months on certain products. Fair credit needed. Can only use at P.C. Richard & Son.
- Target Credit Card: $0 annual fee. 5% discount at Target and Target.com. Free 2-day shipping on Target.com purchases. 30-day extended returns. Fair credit needed. Can only use at Target.
In all, you’re going to find much better credit cards from big retailers that sell multiple things. Electronic store credit cards tend to not offer much other than deferred interest and the occasional discount. The and are well worth your time. And if you have good credit, you may even want to consider the , which you can use anywhere. It gives you a $50 Amazon.com gift card upon approval ($100 for Prime members) and 3 points per $1 spent at Amazon.com and Whole Foods Market, 2 points per $1 spent at gas stations, restaurants and drug stores, and 1 point per $1 spent on all other purchases.
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