The best electronic store credit card is the Best Buy Store Card. It gives 10% back in rewards the first day you use it and 5% back on qualifying Best Buy purchases after that. Or, you can forego any rewards and instead get 0% deferred interest for 6-48 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 Target Credit Card and Walmart Store card offer great value. And the best overall store credit card for electronics has to be the Amazon Store card, which gives 5% back on every Amazon purchase and instantly loads a $10 gift card onto your account after 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: $0 annual fee. 10% back in rewards (5 points per $1) on your first day of purchases. 5% back (2 points per $1) on other Best Buy purchases. Free shipping on $35+ online orders. Fair credit needed. If you have good credit, you can get the Best Buy Visa Credit Card and use it anywhere.
Amazon Store Card: $0 annual fee. $10 Amazon gift card loaded to your account after approval. 5% back on Amazon purchases if you have an Amazon Prime membership. 0% deferred interest for 6-24 months. Fair credit needed. Works anywhere that accepts Amazon Pay. There’s also a Visa version for people with good credit or better.
Walmart Store Card: $0 annual fee. $25 off your first Walmart purchase on the same day you’re approved. 3% back on Walmart.com purchases, 2% at Murphy USA and 1% at Walmart. Fair credit needed. Can only use at Walmart, Murphy USA or Sam’s Club. There’s also a Mastercard version for good credit.
Synchrony HOME Card: $0 annual fee. Lets 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 6-60 months. Fair credit needed.
Newegg Credit Card: $0 annual fee. Exclusive discounts for cardholders. 0% deferred interest for 6-36 months on certain products. Fair credit needed. Can only use at Newegg.com.
P.C. Richard & Son Credit Card: $0 annual fee. 0% deferred interest for 6-72 months on certain products. Fair credit needed. Can only use at P.C. Richard & Son.
Target Credit Card: $0 annual fee. 5% off all Target and Target.com purchases. 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 Target and Amazon store cards are well worth your time. And if you have good credit, you may even want to consider the Amazon Credit Card, which you can use anywhere. It gives you a $50-$75 gift card upon approval and up to 5 points per $1 at Amazon.com; 2 on gas, groceries and drugstore purchases; and 1 on everything else.
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