What bank is the Best Buy Credit Card through?
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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.
Rewards932Reviews115Q&AContactRewardsAPREditor 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.
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
Balance Transfer
APR: 25.99% (V)
Balance Transfer Fee
Editor's Take
by John Kiernan
May 17th, 2022
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 months 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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How much is the Best Buy Credit Card activation fee?
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WalletHub
There is no Best Buy® Credit Card activation fee. The Best Buy Store Card doesn't charge an activation fee, either.
In fact, with the exception of some secured credit cards (which require a security deposit that serves as your credit line) and certain unsecured credit cards for people with... show more
Does this card offer buyer protection in the form of a 90 day protection against theft and damage? Also does it extend the warranty on a product?
103
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WalletHub
Visa credit cards offer extended warranties on many card purchases. You can find more information about the network's policies in our Extended Warranty Study (https://wallethub.com/edu/credit-card-extended-warranty-study/25686/).
Are there any Best Buy credit card deals?
34
UpvotesReply
Jeff Pratley
Current Best Buy credit card deals include 5 points per $1 spent on your first day of purchases (within 14 days of account opening), 0% financing for 6-24 months on select purchases of $199-$799+, and an 11.99% offer for 48 months. Those deals are available on all three Best Buy... show more
When does the card arrive?
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What is the Best Buy Credit Card minimum payment?
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Kendall Morris
The Best Buy® Credit Card minimum payment is $29 or 1% of the statement balance, plus fees, past-due amounts, and interest – whichever is higher. If the statement balance is less than $29, the Best Buy® Credit Card minimum payment will be equal to the balance. In addition, if you... show more
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Can you get approved for the Best Buy Credit Card after bankruptcy?
13
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WalletHub
It's unlikely to get approved for the Best Buy Credit Card after bankruptcy but there is nothing in the card's terms and conditions that indicates you would be automatically rejected due to that bankruptcy.
The card requires a minimum of good credit (i.e. a credit score of 700+) for... show more
Which credit card has the higher credit limit: Best Buy Store Card or Best Buy Credit Card?
13
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WalletHub
It's difficult to determine which of the Best Buy Store Card and the Best Buy Credit Card has a higher limit, because it ultimately comes down to one aspect: the creditworthiness of the applicant.
That said, people with below-average credit may be able to get a higher limit from... show more
Are there any items I can't buy with the Best Buy Credit Card?
11
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WalletHub
There are no restrictions on what you can purchase with your Best Buy Credit Card. As long your credit limit allows it, and the place where you want to use it accepts Visa, you should be able to buy anything.
Can you pay the bill at a Citibank?
10
UpvotesReply
Monique Philar
Yes, paid mine there. It's a Citicard.
Compare The Best Buy® Credit Card
Purchase Intro APR0% - 12.99% for 12 - 48 months
Purchase Intro APR0% for 15 months
Transfer Intro APRNot Offered
Transfer Intro APR0% for 15 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Regular APR25.99% (V)
Regular APR14.24% - 24.24% (V)
Rewards Rate0.5 - 2.5 points / $1
Rewards Rate1 - 5 points / $1
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Best Buy® Credit Card Reviews
Share your insights and review the Best Buy® Credit Card
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932 reviews
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5 Star Rating
Verified CustomerWas very easy to apply online. I would recommend this card to others. One issue I have is that Citi Bank statements are very confusing, especially when you are trying to decipher your promotion balance if you have more than one purchase. You really have to stay on top of it yourself to make sure you don't get charged any interest after you have paid the balance off.
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5 Star Rating
Verified CustomerPurchased my MacBook and had no problems since receiving my Bestbuy account. Applying and purchasing process was fast and no hitches.
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2 Star Rating
Verified CustomerAccess to the account is buried within the Best Buy app & not Citi's admittedly good platform. Otherwise fine. Seriously, it's a pain
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1 Star Rating
My card was fraudulently used so obviously it’s crazy that Best Buy didn't see I couldn't be in 3 different states at once returning 5 dyson everything.
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4 Star Rating
Verified CustomerThe credit limit does not increase, the company takes too long for a credit review, and for that reason, I remove one star. It's better than nothing.
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4 Star Rating
Verified CustomerI think this is a great way to help me keep track of my spending and it gives me incentive to do better get a better credit score so when that big purchase comes there’s comfort in knowing I will get a great interest rate.
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5 Star Rating
Verified CustomerLove this card always get cash back when I make purchases. Wish I could get a higher credit limit but I make due with the credit limit I have
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3 Star Rating
Verified CustomerInterest way too high, I'm glad I'm paying it off in full. Great products, great credit limit but way too high in interest. I understand that's how they definitely make their money.
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5 Star Rating
Great help with knowledgeable people with the best possible way to get your product information! I plan on making a huge purchase in the future with best buy.
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5 Star Rating
Verified CustomerI only use this card to upgrade my electronics. Every purchase comes with a grace period that I can pay off with minimal payments, prior to the end of the given grace period. Really efficient card.
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Review Best Buy® Credit Card
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Offer last updated: May 17th, 2022 at 07:10 ET
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PURCHASE INTRO APR
0% for 15 months
TRANSFER INTRO APR
0% for 15 months 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer Transfer Fee
REGULAR APR
14.24% - 24.24% (V)
ANNUAL FEE
$0
REWARDS RATE
1 - 5 points / $1
REWARDS BONUS
20,000 points
MINIMUM CREDIT