Best Buy® Credit Card
Best Buy® Credit Card
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.Rewards947Reviews114Q&AContact
Accepted Credit Scores
Excellent Credit, Good Credit
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.
My Best Buy Elite Plus members get a 0.5 point bonus (an additional 1% back in rewards, total of 6%) per dollar spent using a My Best Buy Credit Card with standard credit.
APR on Purchases
0% - 12.99% intro APR for 12 - 48 months, 25.99% (V) APR after that
APR: 25.99% (V)
Balance Transfer Fee
Best Buy® Credit Card Pros & Cons
No membership fees
High rewards rate
10% back in rewards initial rewards bonus
No foreign fee
Spending caps on rewards
No intro APR on balance transfers
Balance transfer fee
Requires good/excellent credit
Best Buy® Credit Card's Additional Info
|cash advance fee||5% (min $10)|
|cash advance APR||28.74% (V)|
|foreign transaction fee||0%|
|smart chip||Yes, chip-and-signature|
|max late fee||$40|
|max overlimit fee||$0|
|max penalty APR||None|
|grace period||25 days|
Deferred Interest Details: No Interest if paid in full within 12 months on storewide purchases of at least $299.
Deferred Interest Details: No Interest if paid in full within 24 months on home theater purchases of $999 or more.
Deferred Interest Details: No Interest if paid in full within 24 months on unlocked phones purchases of $649 or more.
Deferred Interest Details: No Interest if paid in full within 24 months on select exercise equipment purchases of $799 or more.
Deferred Interest Details: No Interest if paid in full within 18 on appliance purchases of at least $599.
Deferred Interest Details: No Interest if paid in full within 18 months on Yardbird purchases of $999 or more.
Deferred Interest Details: No Interest if paid in full within 24 months on Microsoft Surface purchases or $699 or more.
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.
Questions & Answers
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My payment due was on the 12th, made the payment on the 13th. Are they going to charge me a late fee even though it's just a day?
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