My Best Buy Credit Card

Best Buy's store credit card earns 5% back in rewards on Best Buy purchases with a My Best Buy Plus or Total membership, and offers special financing on purchases of $299 or more.

Last checked on September 1, 2026. We may earn a commission when you click through.

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✓ 5% back with Plus/Total membership ✓ Special financing on $299+ purchases ✓ No annual fee on the card
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My Best Buy Credit Card

visa · cashback

Our Verdict

Best for big-ticket electronics purchases where the special financing lets you spread payments interest-free.

What it really costs

Annual fee No annual fee
APR Range 27.49% – 29.49%

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Who it's for

Electronics buyers making large purchases who want 0% financing periods

The good and the not so good

  • 5% back with Plus/Total membership
  • Special financing on $299+ purchases
  • No annual fee on the card
  • Exclusive cardholder promotions
  • Requires paid Best Buy membership for 5%
  • Deferred interest if not paid in full
  • Only usable at Best Buy
  • High standard APR

See full review

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