Best Buy Credit Card Comparison Info

You must choose between earning reward points or using deferred-interest financing on a per-purchase basis. You cannot get both on the same transaction.

Rewards are issued as Best Buy award certificates , which cannot be redeemed for cash or credit toward your statement balance. best buy credit card comparison

The Visa version generally requires Good to Excellent credit , while the store-only version may be accessible to those with Fair credit . Expert Reviews & Recommendations You must choose between earning reward points or

New cardholders often receive an additional 5% back (for a total of 10%) on their first day of purchases within 14 days of account opening. The Visa version generally requires Good to Excellent

This table highlights the key differences between the two primary versions issued by Citibank. My Best Buy® Credit Card My Best Buy® Visa® Card Best Buy stores & BestBuy.com only Anywhere Visa is accepted Best Buy Rewards 5% back (6% for Elite Plus members) 5% back (6% for Elite Plus members) Gas Rewards Grocery/Dining Other Purchases Annual Fee $0 - $59 (depends on creditworthiness) Key Considerations for Your Choice

The cards are designed for frequent Best Buy shoppers, offering a choice between two main versions: a store-only card and a Visa card that can be used anywhere. As of 2026, both versions share a primary benefit of 5% back in rewards on Best Buy purchases, or the option for flexible financing on larger totals. Best Buy Credit Card Comparison