Info about Best Buy® Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR605Reviews38Q&AContact
RewardsAPREditor ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair 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 3 points (6% back in rewards) by spending at least $3,500 in purchases in a calendar year.
Choose 5% back in rewards or flexible financing options. Get a $5 reward certificate for every 250 points.
Enjoy exclusive discounts and events and free shipping on purchases $35 and up
APR on Purchases
0% - 12.99% intro APR for 12 - 48 months, 25.99% (V) APR after that
The Best Buy Store Credit Card is a good credit card for people with fair credit or better who regularly make purchases from Best Buy. The Best Buy Store Card has no annual fee, gives 10% back on your first day of purchases (within 14 days of opening an account),... 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 24 months on home theater 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 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 Microsoft Surface purchases or $699 or more.
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Extended purchasing plans – 0% - 11.99% APR for 24 months, 8.99% - 12.99% APR for 36 months or 11.90% APR for 48 months on select purchases eligible for the reduced rate credit plan.
Don't see what you're looking for? Submit your question about Best Buy® Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
The only difference between the Best Buy® Credit Card and the Best Buy® Gold Visa Credit Card is that the former comes with a $0 annual fee, while the latter charges $59 per year. Your creditworthiness will determine which of the two you get approved for. Both cards offer the same rewards, which include 2.5 points / $1 (5% back) at Best Buy along with 10% back in rewards (5 points per $1 spent) on your first day of purchases made within the first 14 days.
Here's where you can use a Best Buy® Credit Card:
The Best Buy Store Card can only be used at Best Buy.
The Best Buy® Credit Card and Best Buy® Gold Visa Credit Card can be used anywhere that accepts Visa.
All three cards offer 2.5 points / $1 (5% back in rewards) at Best Buy, and 6% for Best Buy Elite Plus members. Best Buy Elite Plus membership is awarded after spending $3,500 in a calendar year.
The Best Buy® Credit Card and Best Buy® Gold Visa Credit Card offer 10% back in rewards (5 points per $1 spent) on your first day of purchases made within the first 14 days.
The Best Buy® Credit Card and Best Buy® Gold Visa Credit Card offer 2.5 points per $1 spent on Best Buy purchases, 1.5 points per $1 spent at gas stations, 1 point per $1 spent at restaurants, bars and grocery stores, and 0.5 points per $1 spent on all other purchases.
You can use your Best Buy® Credit Card and Best Buy® Gold Visa Credit Card pretty much anywhere as Visa is widely accepted internationally. However, using the Best Buy Store Card is restricted to Best Buy. Regardless of where you use your Best Buy credit cards, you're still going to get the most bang for your buck at Best Buy. You earn rewards at a higher rate, and those rewards are only redeemable for Best Buy gift certificates.
If rewards on gas and restaurants are what you're looking for, the PenFed Platinum Rewards offers 5 points / $1 spent on gas purchases. And the Capital One SavorOne gives you 5% cash back on dining and entertainment. And they can both be used anywhere.
You need a 640+ credit score to get approved for the Best Buy Store Card. That means Best Buy Store Card requires fair credit or better for approval. There are other things besides your credit score that are taken into account for Best Buy Store Card approval.
Your Best Buy® Credit Card approval odds are pretty good as long as your credit score is at least fair. There are actually two Best Buy credit cards, the Best Buy® Credit Card and the Best Buy® Store Card that you can only use at Best Buy. Your odds... show more
No, there is no annual fee for the Best Buy® Credit Card. So you don't have to worry about paying a cent for just having it. You can keep it open with 0 balance and it will help you improve your credit score. Just remember to use it from... show more
You cannot upgrade your Best Buy Credit Card to the Visa version.
If you want the Best Buy Visa card, you'll have to submit another application. Keep in mind that this could result in a hard pull on your credit, which may lower your score for a short period... show more
You can check your Best Buy Store Card balance online. You can use the same login details to check your balance on-the-go on the Citi mobile app, available both on iOS and Android. Either way, you need to sign up for online banking.
Such a transaction would be considered a cash advance, given that this is a credit card. As a result, it would trigger both an expensive up-front fee and a high interest rate that begins accruing immediately.
Between the Best Buy Store Card and the Best Buy Credit Card, the Best Buy Credit Card is the clear winner. The Best Buy store card can only be used at Best Buy, while the Best Buy credit card can be used anywhere Visa is accepted. But you only need... show more
It's hard to say why your Best Buy Store Card application was denied, as meeting that minimum credit requirement does not necessarily guarantee approval.
Issuers also use different approval criteria for different cards, taking into account factors such your income and existing debt obligations, too.
Share your insights and review the Best Buy® Store Card
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3.7
605 reviews
605 reviews
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Still Learning @Z9CLINE9
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5 Star Rating
Verified Customer
Love the many 0% promotions that they run so much,I never pay interest on my purchases. Plus adding sales prices on so many different thing makes this almost a one stop shop. Have had my card 10 yrs.and still haven't been offered to upgrade to Visa or Mastercard. Guess I should have taken it @ the start but,got .confused thinking offering was the Gold and definitely didn't want that kind of visa. Anyway it's great little srore card same high apr.as most retail &got 26% Enjoy just not more than you can pay off the next month when bill comes due or during the promo time.... Good Luck....NCZ
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Darlissa Green @josine3
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1 Star Rating
They closed my account due to Equifax or so they say. I have no delinquent accounts and never ever been late on anything. I contacted Equifax they sent my report which proves this and had me go online to my Equifax and create an account. I have pictures and screen shots and the report only for them to say they closed my account. This is crazy after 5yrs with this company never missed a payment if I decided to use my card and never paid out the 12-24 month period always 2-3 but they rather lose a customer than fix they error. I will not deal with this company ever again. 2020 they did me bad when I purchased a tv and now this crap. Forget everything Best Buy
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dgarlon @dgarlon
There seems to be something missing here I heard if the credit card is inactive or not used in 6 months to 1 year they can close and you would have to re-apply. Other than a change in your credit history credit card companies can close your account based information received from your credit report.
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ASHLEY Har @lady_eagle_09
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2 Star Rating
It was convenient when I needed to make a large purchase at Best Buy. That’s all I’ll say for the card. Other than the zero percent interest, I never got perks from it. It charged me $2 a month when you don’t use it. I was aware of the charge when I got the card, but it’s still kind of annoying. My biggest issue is when I tried to pay the thing off. I called and made a payment over the phone and received a confirmation number for paying off the card. In addition, I got a statement 3 days later showing a $0 balance with $0 due. With the confirmation number and the balance email, I assumed I was done with the card. To preface the next part, I will take some blame for not following my account closer, but in my defense did not get another email until 37 days later saying I owed $40 on top of the amount I thought I had paid off. Granted, I had not followed my bank account close enough, and I can’t see where it was ever charged or refunded now, but I NEVER got an email saying the payment didn’t go through or that I had a statement sometime in the 37 days that I owed money. I ended up paying it off today, but there were $40 worth of interest charges building up and added to my original payoff amount. The account supervisor did take off one of the interest charges but did not take off the other. That and the convenience of the card when I actually did need it every so often is the only reason the card received 2 stars.
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jafoxbody50 @jafoxbody50
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1 Star Rating
Never again. I got this store card in May 2017 1200 dollar limit. I dont use it much bought a laptop paid it off bought some other little things but rarely used it. Recently went to buy a security camera and they tell me my balance is only 100 bucks. Store staff told me i should have used it more. Customer service never said that when i signed up for it I just made all my payments on time. So hell with it 500 bucks left pay and shut it down.
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ericaleigh81 @ericaleigh81
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1 Star Rating
I got a best buy store card thinking I could get a decent laptop and pay it off over time. I got socked with a $165 interest fee that they will not remove. The "deals" are a joke- the'll get more than the original price once they hit you with the interest payments. -- Don't bother, unless you want to just give them your money. I'm closing out my card ASAP!
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dgarlon @dgarlon
If the item is on an interest free promotional the full balance must be paid before the time expires if not you get charged the full amount of the interest from the date of purchase.
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Saied Karoo @Saiedkaroo_1
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1 Star Rating
Been a loyal Best Buy customer for years had a. Eat buy card for 4 years with no issues until recently. Due to an error on one of my last payments where Best Buy sent me back my payment I was charged over $700 dollars interest. I called customer service and I explained my situation and that how it was an error on there end and all they could say was sorry we can't help you that the charges were already on your account. Honestly I can't believe this sort injustice is practiced at Best Buy. Never again will I shop at Best Buy.
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Mike Julie @mikej_5
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3 Star Rating
The Best Buy store card is a fairly typical store card. You get 2.5 points for every dollar spent at Best Buy and redeem the points in the form of a $5 voucher for every 250 points spent. You can opt for special no interest financing and the term depends on the price. However you have to chose between special financing or points - you can't do both.
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Lily Yee @misslilyyyyyy
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4 Star Rating
I like that with this card, one can choose 2 versions. 1 version is only good for best buy items or the other version you can use it as a regular credit card and good for anywhere. I like using it for best buy items since the store has constant promotions of interest free purchases for either 12 or 18 months. I bought a dyson vaccuum for 600ish and just pay like 50 a month. Ifind it super helpful to have when I want to buy things like fridges and washing machines. The online payment is through citi bank which is easy to use
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Ian Goodwin @iangoodwin88
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4 Star Rating
When it comes to tech gear, the blue and yellow is a great store. Better yet, it's difficult to walk out without having spent a $1000 on a new appliance (TV, game systems, games, etc.). That being said, the deferred payments option is great. I utilize this option to collect interest on the money that I would normally use on site. It's very nice, and as long as you remind yourself to pay on time, you won't be hit with the high APR. If you are a frequent Best Buy shopper, you should check out this card.
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Narendra Paladugu @narendrap
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4 Star Rating
I am satisfied with this card because it is having rewards storing facility when I will buy in this store. This points I can use when they will become maximum so that I can get some electronics with those. Even customer service is good, always the workers will receive customers with smile and never they will be angry, having good helping nature. The worst thing is billing section, have to wait so much time near billing counter.
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