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Best Buy® Credit Card

Rewards977Reviews120Q&AContact

Excellent Credit, Good Credit

Annual Fee

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% - 12.99% intro APR for 12 - 48 months, 28.49% (V) APR after that

Balance Transfer

APR: 28.49% (V)

Balance Transfer Fee 5% (min $15)

WalletHub Review

by John Kiernan

September 19th, 2022

Best Buy® Credit Card Pros & Cons

No membership fees

High rewards rate

10% back in rewards initial rewards bonus

No foreign fee

No intro APR on balance transfers

Balance transfer fee

Requires good/excellent credit

Best Buy® Credit Card Review

View 977 User Reviews

Best Buy® Credit Card's Additional Info

cash advance fee

5% (min $10)

cash advance APR

29.99% (V)

foreign transaction fee

smart chip

Yes, chip-and-signature

max late fee

$41

max overlimit fee

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 24 months on hearing aid purchases of $699 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 Samsung Odyssey Ark 4K purchases.

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

Can't find what you are looking for? Submit your question about Best Buy® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

How does Best Buy Credit Card purchase protection work?

Upvotes

Evelyn Boros, Credit Cards Moderator

The Best Buy® Credit Card does not have purchase protection. In fact, purchase protection has never been a Best Buy® Credit Card benefit, since Citibank has always opted to put other perks on this card. This is pretty common, unfortunately, as only around half of the major credit card issuers still offer purchase protection on at least one of their credit cards.

Although the Best Buy® Credit Card doesn't have purchase protection, applying could still make a lot of sense in the right situation. The Best Buy® Credit Card has zero liability fraud insurance and a 0% foreign transaction fee. It also has an annual fee of $0. All in all, the Best Buy® Credit Card is a good card for people who shop at Best Buy.

If you're set on finding a good credit card for purchase protection, consider checking out the Amazon.com Credit Card or the U.S. Bank Altitude Reserve Visa Infinite® Card. Both credit cards have great purchase protection coverage, according to the most recent WalletHub purchase protection study.

How do you get a Best Buy Credit Card PIN?

Upvotes

Cameron DiGiovanni, Writer

Does Best Buy Credit Card offer price protection?

Upvotes

Lisa Cahill, Credit Cards Moderator

How do I get the Best Buy Credit Card sign-up bonus?

Upvotes

Cameron DiGiovanni, Writer

How do I verify my Best Buy Credit Card?

Upvotes

Lisa Cahill, Credit Cards Moderator

How do I contact the Best Buy Credit Card reconsideration line?

Upvotes

Kendall Morris, Credit Cards Moderator

How do I dispute a Best Buy Credit Card charge?

Upvotes

Maria Adams, Credit Cards Moderator

How can I log in to my Best Buy Credit Card account online?

Upvotes

Kendall Morris, Credit Cards Moderator

Why was my Best Buy Credit Card account closed?

Upvotes

Sebi Mitchell, Credit Cards Moderator

What's the Best Buy Credit Card income requirement?

Upvotes

Evelyn Boros, Credit Cards Moderator

The Best Buy® Credit Card's income requirement isn't disclosed.

You must have some stable source of income, though. The issuer will take that into consideration, along with your existing debts to decide if you'll be able to repay your new debt obligations in case of approval.

Compare The Best Buy® Credit Card

Best Buy® Credit Card

My GM Rewards Card™

Citi Rewards+® Card

(977)

(819)

(71)

Purchase Intro APR0% - 12.99% for 12 - 48 months

Purchase Intro APR0% for 12 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 APR28.49% (V)

Regular APR17.24% - 27.24% Variable

Regular APR15.74% - 25.74% (V)

Rewards Rate0.5 - 2.5 points / $1

Rewards Rate4 - 7 points / $1

Rewards Rate1 - 5 points / $1

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Rates & Fees

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Best Buy® Credit Card Reviews

Share your insights and review the Best Buy® Credit Card

3.4

What's Your Rating?

lancielouis01
April 11, 2022 • @lancielouis01

The credit card company is a scam. I will be telling everyone I know about this card. The fact that I been paying since 2019 to still remain with the same balance as I did years ago is the most evil ish I ever seen you people deserve to be sued for everything. Soon as I find a way to figure this out I won’t ever ever support Best Buy in my life or ever get any card from you people.

Comment

Vanesa
April 9, 2022 • @vanessalaguna42

Verified Customer

This company is managed by City Bank, they have very high interest rates, for more than payment, no change is ever reflected in the balance. This account is closed...

Comment

Rodney
April 3, 2022 • @rodneys_87

Verified Customer

Flexibility of use I can use in Best Buy for promotional products but still use it outside the store for groceries gas hotels and utilities

Comment

Neil
March 30, 2022 • @neilc_22

Verified Customer

It’s all right. It helps me pay for stuff. And buy things I need when I don’t have cash. I am able to get by without it, but it is a nice feeling to have options.

Comment

Valina
March 28, 2022 • @valinairivera

Verified Customer

Does NOT report payments within the appropriate and legal timeframes for credit bureaus. Payments are also very difficult to make over the automated system leading 95% of calls to a real representative resulting in extra fees.

Comment

Alicia
March 25, 2022 • @aliciar_44

Verified Customer

Best buy has what we need and good selection of merchandise for what we use our card for! Customer service is mediocre though. Workers seem aggravated when you stop them with a ?

Comment

Susanne
March 25, 2022 • @s_presse

Verified Customer

Awesome card and great customer service ! Will use again in the near future. Interest rate is a little high, but willing to work with that

Comment

philipmreilly
March 17, 2022 • @philipmreilly

Verified Customer

did not send me statements - marked me as late - citibank sucks....................................................................

Comment

Valerie
March 13, 2022 • @valeriehawthorne61

Verified Customer

Great easy to apply geat card to have no annual fee excellent customer service you can use it to buy appliances, computers, and security systems

Comment

Adrian
March 11, 2022 • @adrians_19

Verified Customer

The best credit card for electronics. No interest for 12/18/24 months if you buy over $250/$500/$750 is awesome. I always recommend this credit card

Comment

Review Best Buy® Credit Card

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Best Buy® Credit Card

Best Buy® Credit Card

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