Best Buy Store Card | Review & Reward Point Calculator

Best Buy Store Card

Card Review & Best Buy Rewards Calculator
2.5x Best Buy (5%)
Special Financing
0.5x Elite Plus Member Bonus (1%)

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.

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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

Bonus Categories

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, 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.

0x Non-Category

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.

best buy flexible financing
Make sure your payments will get you to $0 before your financing is up so that you don't pay interest!

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

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual 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.

and Card Value Calculator

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.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2020-02-11
Written By: Robert Flowers III

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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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