Best Buy 6 or 12 month financing on Storewide Purchases
6 months
on storewide purchases $199 and up when you use your My Best Buy® Credit Card.
12 months
on storewide purchases $399 and up when you use your My Best Buy® Credit Card.
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MY BEST BUY CREDIT CARD
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Annual Fee
0
Regular APR
27.24% (V)
Open-loop card or Close-loop card
Close-loop card
Additional Information
Balance Transfer Fee
5% (min $15)
Purchase Intro APR
0% - 11.9% for6 - 48 months
Transfer Intro APR
Not Offered
Late Payment Fee
$38
Returned Payment Fee
N/A
Cash Advance Rate
29.99% (V)
Cash Advance Fee
5% (min $10)
Foreign Transaction Fee
0
Smart Chip
Yes, chip-and-signature
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Sign-up Bonus
Get 5 points per $1 spent (10% back in rewards) on your first day of purchases made on the credit card within 14 days of account opening.
Rewards
Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit.
Get 1.5 Points per $1 spent (3% back in rewards) on net purchases made at gas stations.
Get 1.5 Points per $1 spent (3% back in rewards) on net purchases made at grocery and furniture stores (home, office, commercial and outdoor). Valid through 12/31/18.
Get 1 point per $1 spent (2% back in rewards) on net purchases made at restaurants, and bars.
Get 1 point per $2 spent (1% back in rewards) on net purchases made with your credit card outside Best Buy.
Choose 5% back in rewards or flexible financing options. Get a $5 reward certificate for every 250 points.
My Best Buy Elite Plus members get a 0.5 point bonus (an additional 1% back in rewards, total of 6%) per dollar spent using a My Best Buy Credit Card with standard credit.
Get 1.5 Points per $1 spent (3% back in rewards) on net purchases made at gas stations.
Get 1.5 Points per $1 spent (3% back in rewards) on net purchases made at grocery and furniture stores (home, office, commercial and outdoor). Valid through 12/31/18.
Get 1 point per $1 spent (2% back in rewards) on net purchases made at restaurants, and bars.
Get 1 point per $2 spent (1% back in rewards) on net purchases made with your credit card outside Best Buy.
Choose 5% back in rewards or flexible financing options. Get a $5 reward certificate for every 250 points.
My Best Buy Elite Plus members get a 0.5 point bonus (an additional 1% back in rewards, total of 6%) per dollar spent using a My Best Buy Credit Card with standard credit.
Best Buy Credit Card Financing Offers
Best Buy Limited time: 24 month financing
No interest if paid in full within 24 months for a limited time on NordicTrack studio cycles and commercial treadmills $649 and up when you use your My Best Buy® Credit Card. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 24 months.
Expired on: 3/24/2019
Best Buy 24 month financing
on unlocked phone and Geek Squad® purchases totaling $649 and up.
Best Buy 24 month financing
on home theater and Geek Squad® purchases totaling $799 and up.
Application Requirements
Minimum credit score
Fair
Minimum Age
18
How To Apply MY BEST BUY CREDIT CARD
First, create My BestBuy account
After login, enter your name, address, telephone number and email address in the application form. You must list your annual income and monthly mortgage or rent.
Quick access to this card? Click on the Apply Now button.
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How To Use MY BEST BUY CREDIT CARD
Where Can You Use MY BEST BUY Credit Card?
The My Best Buy Credit Card can only be used at Best Buy and BestBuy.com.
Pay Your MY BEST BUY Credit Card Bill On Time
You need to divide the balance by the length of the period to determine the appropriate monthly payment, which will fully pay the balance at the end of the period. There is no penalty for prepaying, so you should do what you can.
Something About MY BEST BUY Credit Card Rewards
5% back in rewards at Best Buy and BestBuy.com, or deferred financing for eligible purchases.
10% back in rewards on your first day of purchases, within 14 days of opening the account
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