Best Buy Credit Card Reviews for 2023Reviews, rates, fees, and rewards details for The Best Buy® Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rate10% back in rewards initial rewards bonusNo foreign feeNo intro APR on balance transfersBalance transfer feeRequires good/excellent credit
Info about Best Buy® Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR1,027Reviews126Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
Rewards
Get 5 points per $1 spent (10% back in rewards) on your first day of purchases made on the credit card within 14 days of account opening.
Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit.
Get 1.5 Points per $1 spent (3% back in rewards) on net purchases made at gas stations.
Get 1 point per $1 spent (2% back in rewards) on net purchases made at restaurants, bars and grocery stores. Plus, 1 point per $2 spent (1% back in rewards) on net purchases made with your credit card outside Best Buy.
Choose 5% back in rewards or flexible financing options. Get a $5 reward certificate for every 250 points.
APR on Purchases
0% intro APR for 12 - 24 months, 31.24% (V) APR after that
The Best Buy Credit Card is a good card that’s worth applying for if you pay your bill in full every month and regularly shop at Best Buy. Its most notable feature is the ability to earn 5% back on Best Buy purchases (dispensed in the form of Best Buy... show more
Deferred Interest Details: No Interest if paid in full within 12 months on storewide purchases of at least $299.
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Deferred Interest Details: No Interest if paid in full within 18 months on appliance purchases of at least $599.
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Deferred Interest Details: No Interest if paid in full within 18 months on Yardbird purchases of $999 or more.
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Deferred Interest Details: No Interest if paid in full within 24 months on unlocked phones purchases of $649 or more.
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Deferred Interest Details: No Interest if paid in full within 24 months on select exercise equipment purchases of $799 or more.
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Deferred Interest Details: No Interest if paid in full within 24 months on home theater purchases of $999 or more.
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Limited time offer - Deferred Interest Details: No Interest if paid in full within 24 months on appliance purchases of at least $1,499.
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Limited time offer - Equal Monthly Payment Financing: 0% APR for 24 months on Xbox Series S bundle purchases of at least $399 for payments of $17.
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If you do not qualify for the My Best Buy™ Credit Card account, Citibank may consider you for a My Best Buy™ Credit Card Preferred account, a My Best Buy™ Store Card account, and a My Best Buy™ Visa® Gold account in that order, based on your creditworthiness.
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The easiest way you can pay your Best Buy® Credit Card is either online or by phone, by calling 1-888-574-1301. Alternatively, you can make a payment via text, by mail, or at a branch. Citibank does allow cardholders to set up automatic payments, too.
Ways to Make a Best Buy® Credit Card Payment
Online:Log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from.
Phone: Call 1-888-574-1301 and enter your card information when prompted.
Text: Text PAY to 81964 using the mobile device connected to your My Best Buy Credit Card account. Then, you will receive a text asking how much you would like to pay and which payment account you would like to use.
Mail: Send a check or money order (but not cash) to:
My Best Buy Credit Card Payments P.O. Box 9001007 Louisville, KY 40290-1007
Don't forget to write your credit card number on the check, too.
In store: You can make a payment at any Best Buy store during normal business hours.
If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date.
Your Best Buy® Credit Card number can only be found on the front of your physical card. It's the 16-digit number located right between the card's chip and the cardholder's name. This is where you can find the Best Buy® Store Card's number, too.
You will need this number, as well as the expiration date and...
You can fill out your Best Buy® Credit Card application either online or in store. The same goes for the Best Buy® Store Card, too. The application is the same either way, and both methods offer the chance for instant approval. However, it can take up to 14 business days to get a decision in some cases.
The main Best Buy® Credit Card requirements are that an applicant must be at least 18 years old with a valid Social Security Number or Individual Taxpayer Identification Number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least good credit.
The Best Buy® Credit Card credit score requirement is 700 or better. That means people with at least good credit have a shot at getting approved for the Best Buy® Credit Card. Approval odds are higher with the Best Buy Store Card; the minimum credit score required for this card is fair (640+).
The standard Best Buy® Credit Card interest rate is 31.24% (V). The same purchase APR applies to the Best Buy® Store Card and the Best Buy® Gold Visa Credit Card, too. These cards also offer various financing options from time to time, with promotion APRs ranging from 0% for a period of 12 - 24 months.
Share your insights and review the Best Buy® Credit Card
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1,027 reviews
1,027 reviews
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miltonm_22 @miltonm_22
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1 Star Rating
Verified Customer
Went from 2500 credit limit to 450 , for no reason ! Was going to get a new TV , not now and not from Best Buy !!!!! They can keep their card !!!!!!!!!
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Sandra Sue S @ssssandrasue
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4 Star Rating
Verified Customer
I bought a refrigerator from Best Buy & paid it off, I bought a TV , phone accessories, Barbie’s. All of this should have been documented that I used the “credit card” & I paid it off. Again credit reports are not what they used to be. How many refrigerators and TV’s do you need. When be I use this “credit card”.
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Venson_jennings @Venson_jennings
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1 Star Rating
I have perfect credit and as soon as I used this card, my score went down. After a while it started to go up, but after it was paid off, I made another purchase and it went down again. Don't ever use this card if you care about your credit score. It is the worst and no one could explain why this happened. Will never use this card again.
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Marc G @marc_garduno
It may have to do with your credit utilization ratio. But i agree citi is garbage
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Lisa @lgauthier1972
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5 Star Rating
Verified Customer
Great card to purchase electronics etc....and raise ur credit score... Discounts and open box items listed on website for purchase and fast delivery
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Ricco @dante55112
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5 Star Rating
Verified Customer
Great springs and nice credit li.ot with frequent increases I love the best buy credit card, it's one of the best for all you electronic needs
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Billy @b512780w
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5 Star Rating
Verified Customer
used it for new appliances great card for in store financing but just good everywhere else got it just because I needed another card to help my overall credit mix as well as overall credit line increaseing but only shop at best buy prob once a year around the holidays
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Edward @etadych
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4 Star Rating
Verified Customer
Works fine. Never late. Monthly bill always paid on time and for more than the minimum. My full name is Edward Alan Tadych. Pls. correct my personal record.
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miller_ebony @miller_ebony
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1 Star Rating
On 4/17, I received credit alerts form the credit bureaus that my credit limit had been decreased. My limit was reduced from $10k to $2400. My current balance on the account is $2200 so my overall utilization is now 95% from 21%. I recently missed my April payment by 8 days. I have been under ALOT of stress and simply forgot to make the payment. The payment was due on 4/9. I immediately made the payment once I learned I was late and set -up auto pay on the account. My complaint is that I feel that I have been retaliated against because of the late payment. I have never been late on the account from all the years I have been a cardholder (over 5 years). Because of my unintentional negligence, because life happens, I feel that I have been punished by this harsh action to decrease my limit. The decrease will now significantly impact my credit score and rating and will more than likely deny approval for future credit. I was advised that this action could not be reversed and that in order for me to get my limit increased, I would need to request a new increase which will cause a hard inquiry on my report. If this is normal Best Buy practice, I encourage all consumers to caution opening an account with Best Buy. They treat their customers with the least amount of respect, with little to no understanding and empathy. Do not open an account with these people. They do not value their credit card holders and will dismiss you for simple mistake. I regret ever opening an account with them. DO NOT OPEN AN ACCOUNT WITH THEM! DO NOT SHOP WITH THEM!
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Brian @acydblack
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1 Star Rating
Verified Customer
This card is predatory. After you have the card for 2 years with a stellar payment history, Citibank will still requires a HARD credit pull to get a limit increase. I really regret applying for this card and I wouldn’t recommend it to my worst enemy. When those Best Buy salespeople tries to convince you Into it - say no. Rule of thumb - Never apply for a card that doesn’t protect your credit from a damaging HARD PULL onto your credit for a limit increase. Especially when u are already a member for over a year. Use the hard credit check they force on you to get another card with another bank with a higher credit limit and a better interest rate.
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bossidystephan @bossidystephan
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1 Star Rating
Be aware they report your balance before billing you. It messing up your credit.i got approved from bestbuy getting a laptop. awesome but before i got my first bill or even having a chance to pay it, They reported the debt of balance to my credit report. Effecting my credit report negatively all together over 20 points. when they could of just held off statement report until after the billing cycle.
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