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.
|Authorized User Fee|
|Foreign Transaction Fee|
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
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.
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 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.