: Instead of rewards, you can choose promotional financing. This is often the preferred choice for large tech purchases like gaming PCs or high-end laptops, allowing you to pay over 6, 12, 18, or 24 months without interest. Card Types Compared My Best Buy® Credit Card My Best Buy® Visa® Card Usage Best Buy stores and BestBuy.com only Anywhere Visa is accepted Best Buy Rewards 5% back (or 6% for Elite Plus) 5% back (or 6% for Elite Plus) Outside Rewards 3% Gas, 2% Dining/Groceries, 1% Other Annual Fee $0–$59 (based on creditworthiness) Credit Needed Fair or better Good to Excellent Critical Financing Considerations
: New cardmembers can earn 15% back in rewards on their first day of qualifying Best Buy purchases within 14 days of account opening (available through May 3, 2026). best buy computer credit
: For ongoing purchases, cardholders earn 5% back in rewards (2.5 points per $1 spent). : Instead of rewards, you can choose promotional financing
While financing can be a great tool, it carries specific risks that you should monitor closely: Best Buy Credit Card: Rewards & Financing : For ongoing purchases, cardholders earn 5% back