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If the balance is not paid in full by the end of the promotional period, interest will be charged retroactively from the original purchase date at the standard variable APR. Key Fees and Interest Rates (April 2026)
: Earn a total of 10% back (Standard 5% + Bonus 5%) on your first day of purchases within 14 days of account opening.
: A "closed-loop" card accepted only at Best Buy and BestBuy.com. Reward Structure best buy card credit card
Cardholders must choose between earning rewards or using promotional financing for each purchase; you cannot do both simultaneously. Standard Reward Rates : 5% back (2.5 points per $1). Elite Plus members can earn 6% back. Gas Stations (Visa only) : 3% back (1.5 points per $1). Dining & Grocery (Visa only) : 2% back (1 point per $1). Other Purchases (Visa only) : 1% back (1 point per $2). Introductory Offers
There are two primary versions of the card, and your approval for either depends on your creditworthiness: If the balance is not paid in full
In lieu of rewards, you can opt for deferred-interest financing on qualifying purchases: : Purchases of $299 and up. 12 Months : Purchases of $599 and up.
: Ranges from approximately 14.24% to 30.74% , which is significantly higher than the national average. Late Fee : Up to $41. Foreign Transaction Fee : 0% for the Visa version. Expert Comparison My Best Buy® Credit Cards | Citi.com Gas Stations (Visa only) : 3% back (1
: Larger purchases, often $1,499+ or specific categories like home theater.