Best Buy Store Card Calculator

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.
Last Updated: 2020-07-15

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

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

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
    • Applies to in-store and online purchases made with Best Buy.
    • Equal to a 5% return since Best Buy Points are equal to 2 cent each.

Since the Best Buy Store Card does not have a network attached to it, it can only be used in-store and online with Best Buy. If you want to earn Best Buy Points for other purchases, you'll need the Best Buy Visa Card.

Perks & 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
    • Finance in-store and online purchases that cost $199 and up.
    • You will not earn rewards on purchases that are financed.
    • 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 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 is provided 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. This 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.


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.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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 other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$20 Bonus
Earn $20 or 2,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $20+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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