Best Buy Store Card
Review the benefits of the Best Buy Store Card, calculate how many Best Buy Points you can earn based on spend, and compare against top cards.
The Best Buy Store Card is a great option who want to earn the best return return on Best Buy purchases. With this card you will earn a 5% to 6% return based on your Best Buy elite status and that's not including the points you will earn from just being a My Best Buy Rewards member. This is also a great card for anyone looking to finance Best Buy purchases of $199 or higher.
Do note that this card does not have a network (Visa, Mastercard, etc.) and thus can only be used at Best Buy (in-store) or online at BestBuy.com.
The Best Buy Store Card features one bonus category which are in-store or online purchases made at Best Buy. There is no limit to the amount of Best Buy Points you can earn using this card.
2.5x Best Buy
When you use the Best Buy Store Card in-store or online at BestBuy.com, you will earn 2.5 Best Buy Points per $1 spent. Since you'll earn a $5 reward for every 250 points you cash in, using this card for Best Buy purchases will grant you a very nice 5% return. That makes this one of the best cards for spending at Best Buy. Stack this return on top of the 1% to 2.5% you can earn with Best Buy elite status you're looking at a signfiicant amount of cash back.
Best Buy Elite Plus Members will earn an additional 0.5x points on Best Buy purchases for a total of 3 points per $1 spent. This is equal to an excellent 6% return.
Since the Best Buy Store Card does not feature a network, it cannot be used outside of Best Buy spending. If you want to earn Best Buy Points on purchases outside of Best Buy, you'll want to consider the Best Buy Visa Card which features Best Buy, grocery, and dining as bonus categories and allows you to earn Best Buy Points wherever Visa is accepted.
Perks and Benefits
The Best Buy Store Card features one primary benefit and that's the option for flexible financing on Best Buy purchases.
Best Buy Flexible Financing
The Best Buy Store Card will grant you access to Best Buy's flexible financing options. This allows you to finance in-store and online purchases with Best Buy that cost $199 and up. Financing options include, but are not limited to:
- 6-Month Financing On Sitewide Purchases
- 12-Month Financing On Sitewide Purchases
- 18-Month Financing On Appliance & Geek Squad Purchases
- 24-Month Financing On Home Theatre & Geek Squad Purchases
- 24-Month Financing On Unlocked Phones & Geek Squad Purchases
- 24-Month Financing On Select Exercise Equipment
Best Buy's flexible financing can be a great option if you plan on paying off your full balance within the financing period. Failure to do so will add interest to your purchase and thus eat away at your earned rewards.
Do note that if you choose flexible financing you will not earn the bonus multipler which means you really don't want to pay any interest because it will eat at the rewards you've already earned.
The minimum payment that's provide will usually not cover the full cost of the purchase so you'll want to divide your purchase by the number of financing months you were given and pay that amount. That way you'll have a zero balance when you make your last payment.
Sign Up Bonus
The standard sign up bonus on the Best Buy Store Card is 10% back in rewards on your first day of purchases or special financing. Considering that you can get special financing any time, I consider going for the 10% back in rewards.
The Best Buy Visa Card offers the same standard sign up bonus.
Credit Card Fees
|Authorized User Fee|
|Foreign Transaction Fee|
The Best Buy Store Card does not have an annual fee. This means you will always earn a 5% return on your Best Buy purchases which makes this a great card to pick up if you commonly shop at Best Buy.
Authorized User Fee
There is no fee to add authorized users to your Best Buy Store Card. If you have family/friends that shop at Best Buy, adding them can help you earn Best Buy Points faster and thus get you closer to your next Best Buy Certificate sooner.
Foreign Transaction Fee
The Best Buy Store Card cannot be used outside of Best Buy so foreign transaction fees does not apply to this card.
You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.
All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.
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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.
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