best buy credit card

The offers 2% cash back on all purchases at BestBuy.com and 1% cash back on all other purchases. Plus, there are no annual fees and no foreign transaction fees.

You can easily some money online by doing your regular shopping online and with services like cash backs, you get part of your shopping money back after purchasing items online.

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Earn Cash Back on All Purchases Made Online

This card also has no foreign transaction fee, so you won't pay any extra money when you use your card overseas. And because the Credit Card is issued by Chase Bank, you'll receive free access to the Chase Online Portal where you can manage your account online.

If you're looking for a rewards program with no annual fees, then the Best Buy Credit Card might be right for you. With this card, you'll earn 1% cash back on every purchase made at participating retailers.

That means you'll earn 2% cash back on gas station purchases, 3% cash back on department store purchases, and 4% cash back on grocery store purchases. Plus, you'll earn an additional 5% cash back on purchases made through the BestBuy.com website.

No Annual Fee or Foreign Transaction Fees

There's no annual fee on the Best Buy Credit Card, so there's no reason not to apply. And because there are no foreign transaction fees, you won't have to worry about paying extra money when you travel abroad.

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How Does It Work? (Best Buy Credit Card Application)

The Best Buy credit card will help you to save money through discounts during purchases. They offer a store credit card (which can only be used in Best Buy in-store or web purchases) and a Best Buy Visa card.

You can apply any of the cards, or even both cards online or in stores. Both of the Best Buy cards will earn you 5% back in rewards for all Best Buy purchases, but the Visa card will also get you 2% back in rewards on food and grocery purchases, as well as 1% back on other everyday purchases.

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Best Buy Credit Card Application Online

best buy credit card

Step 1. Meet the minimum qualifications:

Before you apply for a Best Buy credit card, you should know in advance that you need to be at least 18 years of age in the United States (at least 21 years of age in Puerto Rico).

You must also have a Social Security Number and a driver's license or government-issued photo ID.

  • You must also have at least a 128-bit security encrypted enabled browser and a printer or storage drive to view and keep a copy of the Best Buy terms and conditions, disclosures, and privacy notice.

If you do not have access to a printer or storage device, you can request a hard copy of the disclosures and privacy policy by writing to Credit Program, P.O. Box 6403 Sioux Falls, SD 57117-6403.

  • Please note that meeting these minimum qualifications does not guarantee that your application will be approved. It simply means that you are able to move forward and begin the application process.

Step 2. Create a Best Buy Account:

The first step to applying for a store credit card is to go to BestBuy.com and create a Best Buy account. If you've already created a Best Buy account, you can simply sign in through the store's website.

If this is your first time creating an account, you'll need to include personal information to create the account and determine your eligibility, including:

  • first and last name
  • email address
  • phone number
  • the password of your choosing
  • My Best Buy member ID (if you already have one)

Step 3. Complete Your Application:

Once you've created an account through the Best Buy website, you can proceed to the application.

You will be redirected to the form through Citigroup Inc., or you can navigate to the application by going to BestBuy.com, clicking the “credit cards” tab at the top of the page, and selecting “apply now”.

The form will ask you for personal, , and security information, including:

  • your email address
  • your full name
  • your home address (no P.O. boxes permitted)
  • your phone number
  • your annual income
  • your monthly mortgage or rent payments
  • your date of birth
  • your social security number
  • your driver's license or government-issued photo ID number
  • the expiration date of your photo ID

Step 4. Select Your Prefered Card Type:

Once you've completed the application, you will either be approved or denied.

If you are approved, then you will be asked to choose which type of card you want: the My Best Buy credit card (store card), or the My Best Buy Visa card.

  • Both cards offer the same in-store rewards and promotional financing offers.
  • The Best Buy Visa Card offers additional rewards on other everyday purchases outside of Best Buy.

Accept Terms and Proceed: Once you've finalized your application and chosen your desired card, you'll need to agree to the Best Buy interest rates, charges, and fees.

The Annual Percentage Rate (APR) on purchases will vary somewhat depending on the current market rate, but will generally be around 25.49%. Interest charges are a minimum of $2, though they may be much higher.

  • Interest is applied whenever payments are overdue. The due date for payments is at least 25 days after each billing cycle ends.
  • Late fees and fees for returned payments can be up to $37.

Await your new card. If your application is approved, your card will be sent through the mail. It should arrive within 7 to 14 days of your application's approval. Approval online is fairly quick. You should know within a minute whether or not you've been approved.

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Best Buy Credit Card Application In-Store

best buy credit card

Step 1. Find a Best Buy Store Near You (Best Buy Near Me):

If you want to apply in-store but don't know where the nearest location is, you can find out online. Simply go to the Best Buy website and navigate your cursor to the upper right-hand corner of the web page.

Click on the Store Locator tab and enter your ZIP code or city and state to find locations near you.

Step 2. Submit an Application for a Credit Card:

The in-store application will ask for the same information as the online application. You'll need to provide your name and address, contact information, and basic financial information for the store to determine whether you will qualify for a credit card.

The in-store application may take a bit longer, as the store will have to cross-check your paper application with online credit reports and confirm your identity. Otherwise, the two applications will be essentially the same.

It's mostly a matter of preference between applying online or in-store.

Just select the type of card you prefer and complete your application. You will be notified if your application is approved or not.

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What Can You Do With the Best Buy Credit Card?

You can use your Best Buy Rewards Card to earn cash back rewards. Cash back rewards are earned on purchases made with the card and deposited into your account within 90 days of purchase. You also get a percentage of each dollar you spend at Best Buy—up to 4%—as long as you spend at least $2,500 per year with the card.

You might be able to get even more out of this deal if you apply for financing through a special offer from Chase Bank: The bank will give you $300 off when using your current account or checking account (this is only good for one-time use).

What is the Best Buy Credit Card?

The Best Buy Credit Card is a store credit card that can be used at Best Buy and Best Buy Mobile. It's issued by Synchrony Bank, so it's not technically branded like other store cards.

The Best Buy Credit Card gives you up to $650 in cash back when you make purchases on your card in stores or online at www.bestbuycreditcard.com (see below for more details).

Is a Best Buy Credit Card Right for You? (Best Buy Credit Card Benefits)

If you shop at Best Buy often and are looking for a rewards card, the Best Buy credit card could be perfect for you. The annual fee is waived the first year and the APR is low at 15.24% – 24.24%, which means it's easy to pay off your balance each month without worrying about interest charges.

The key feature of this credit card is its cashback program:

  • Every time you spend more than $1 on qualifying products (which includes electronics and other consumables), Best Buy will give 1%-2% cash back as part of their loyalty program!
  • There's no cap on how much money can be earned in this way—so if something costs $100 then there could potentially be up to $120 worth of extra cash back!

Enjoy Free Shipping on Most Orders

If you're looking for an easy way to save money on everything you buy, then the Best Buy Credit Card is the right choice for you. With every purchase, you'll receive free shipping on most items. Plus, you'll earn 5% cash back on all eligible purchases at BestBuy.com and 1% cash back on all other purchases.

Receive Exclusive Deals and Discounts

In addition to earning cash back, you'll also receive exclusive deals and discounts through the Best Buy Rewards program. This means you'll never pay full price again!

The Best Buy credit card is a solid option for frequent shoppers at the store

The Best Buy credit card is a solid option for frequent shoppers at the store. It's a store card, so it can only be used at Best Buy and will incur an annual fee of $0. The card comes with a sign-up bonus of $250 after you spend $500 in your first 90 days, which is quite generous considering other cards offer only $50 or so.

You also get 5% back on purchases at Best Buy and 2% back on purchases elsewhere—including restaurants, gas stations, and drugstores (but not grocery stores).

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FAQs on Best Buy Credit Card

Final Word on the Best Buy Credit Card

The Best Buy Credit Card is a great option for frequent shoppers who want to get cash-back rewards on their purchases. Remember to always build your best buy credit card credit score in order to get more benefits.

The APR is low at 15%, so you can use this card without worrying about paying high interest rates or fees. If you're looking for an easy way to pay off your balance each month, this could be the perfect fit for you!

No annual fee means there are no hidden costs attached to owning this credit card—it's all about making sure that extra money goes into your checking account instead of being spent elsewhere.

And if that doesn't sound like something worth doing, consider this: since there are no foreign transaction fees associated with using it abroad, then yes.

This is one of those cards where every dollar earned goes straight toward paying down debt rather than building up more debt in other ways like buying things online (or even at physical stores).

If you spend enough money in these categories each year to make up for that 2% rebate rate then this could be a good investment!


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