For major purchases, you can forgo rewards in favor of deferred interest financing. If the balance is paid in full within the promotional period, no interest is charged. Best Buy Credit Card: Rewards & Financing

Cardholders earn points that are redeemable for at an effective value of 2 cents per point (250 points = $5 certificate).

The (and its Visa® counterpart) is primarily designed for frequent shoppers who want to maximize rewards on tech or need to finance large electronics purchases. Core Incentives & Rewards

: New cardholders can earn a total of 15% back in rewards (standard 5% + 10% bonus) on their first day of purchases within 14 days of account opening. This limited-time offer is valid through May 3, 2026 .

: Earned on all qualifying purchases when choosing "Standard Credit" instead of promotional financing.