| Rewards | On qualifying purchases at Best Buy — when you choose “Standard Credit” rather than financing — you earn 2.5 points per $1 spent, equivalent to 5% back in rewards. On other types of purchases (gas, groceries, dining, etc.), if using the Visa version, there may be smaller reward rates. For example, some sources list ~3% back on gas, ~2% back on dining/grocery/takeout, and 1% back elsewhere. |
|---|---|
| Signup Bonus | A 10% back in rewards on your first day’s purchases within 14 days of account opening. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 27.99% |
| Cash Advance Fee | 5% of amount or minimum US$ 10, whichever is greater. |
| Late Payment Fee | Up to $41. |
| Purchases APR | 25.24% (Variable based on the market Prime Rate). |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Best Buy Credit Card is best known for its strong in-store rewards — you can earn up to 5% back in Best Buy certificates — plus frequent financing offers and a $0 annual fee on most versions. It’s clearly built for tech shoppers, not everyday spending.
Most users say they love how fast rewards add up on big electronics purchases, and many reviewers mentioned the flexibility to choose between rewards or special financing. The sign-up bonus and store-specific perks also get a lot of praise.
On the downside, many users complain about high interest rates, limited value outside Best Buy, and occasional frustrations with Citi’s customer service. Others point out that rewards can’t be used like real cash — they’re locked to Best Buy.
Personally, I think this card is worth it if you shop at Best Buy often and always pay in full. But if you want a simple, flexible cash-back card for everyday use, better options exist.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
J
Perfect for tech lovers
I use this card for all my best buy purchases. The rewards points really add up on electronics, and financing options make big purchases easier. Great for anyone who shops here regularly!
M
BESTBUY
I LIKE IT
