Who it's for
Electronics buyers making large purchases who want 0% financing periods
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
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% |
You'll be redirected to bestbuy.com
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
You'll be redirected to bestbuy.com
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