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My Best Buy™ Credit Card

The My Best Buy Credit Card offers cardholders points back for every purchase, as well as additional benefits like free shipping, exclusive discounts and events, and special financing rates.

Where can I use my My Best Buy™ Credit Card?

This card can only be used at Best Buy stores. There is another version that can be used anywhere Visa credit cards are accepted called the My Best Buy Visa.

To see our comparison of both of these cards, see our Review of the My Best Buy Credit Card and the My Best Buy Visa.

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Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.

Can't watch the video now? Read the full transcript here.

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  • Rewards
    • Earn 5% cash back at Best Buy OR 12 month financing on purchases $399 and higher
  • Signup Bonus 10% back in rewards when you make your first purchase
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee See Terms
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR -
  • Cash Advance APR -
  • Penalty APR None
  • Late Fee Up to $38
  • Returned Payment Fee Up to $38

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • Reward Options: Earn 5% cash back for every $1 spent at Best Buy OR 12 month financing on purchases $399 and higher.
  • Limited Time Deferred Interest Promotional Offers

Unboxing Video

See more on our YouTube channel

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:
5 reviews
by John
Rip off if you use this card with promotional balances

If you charge a promotional balance and then use the card for regular purchases, watch out! You payments go to the regular purchase first and when you deferred interest hits the card, you will wish you had used another CC...

by Paul G
Card refused by Citibank

I purchased a computer from Best Buy and was offered the 10% discount which could be used for my next purchase at Best Buy. I went ahead with the application process and was asked to talk to a bank representative. Since I don't use regular credit cards I don't have much of a credit history. However I do have a good credit score because I am a home owner and have no debts.I believe that I was refused the card because the bank knew that I was getting it only for the discount. So I was mislead by the offer. Something didn't seem right to me because I have had this kind of card elsewhere with no problem.The bank representative offered the Visa card option which would cost $60 for a year. I didn't accept.

by jason
Chose any other card before this one.

The card itself has decent rewards. That is where the good ends. Annual fees and very poor customer service. If you ever want a credit line increase, itll hit as a hard inquiry on your credit and they said they never increase automatically. Calls to customer care never give any kind of real answer. I was told to call other agencies to tell me what Best Buy credit will do. Made no sense and was no help on any call.

by Erin Keller
horrible, horrible, HORRIBLE

Do not go near this awful company. They will not take your proper payment and will make it impossible to straighten out any issue, no matter how miniscule. You cannot reach a PERSON on the phone. You cannot access your account online, no matter how many times you mess with the site... you will end up yelling at your family members out of frustration. When you finally reach a "customer service agent", they will act like you are making shit up for fun. Ass holes. I just paid my balance and cut up my card. F**k Best Buy and F**k their credit card.

by Rick
Poor fraud procedures

I discovered a fraudulent transaction on my account for almost $1000 on 8/15/2016 and reported it right away (within 1/2 hour of the initial order). The item was ordered via Best and shipped to an address in OH. I live in CA, never been to OH in my life. I reported it to Best, told them to cancel the order, which had not yet shipped. I also went to a local Best Buy store, and informed them of this and had them cancel the transaction. I reported it to the Best Buy Credit Card fraud department. Basically did everything right. Yet that afternoon, Best shipped the item, even though they had assured me that the transaction would be cancelled. The next day, I got the charge through on my credit card anyway. Based on the tracking information provided, it looks like Best Buy was able to get the item returned to the shipper, so they have the item back on 8/16. Yet today, on 8/19, the charge is still on my credit card account, even though Best Buy has its item and no liability to themselves. I called the credit card again today and they told me they had not even tagged the transaction as fraudulent, even though I had reported it to them 4 days ago. As of now, the charge still sits on my account as my responsibility. Best Buy has its product and I'm being asked to pay $1000 for an item that I didn't order in the first place, that I reported as fraudulent activity, and they didn't even deliver in the first place. TOTAL SCAM!

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