Best Buy Card Credit Card May 2026

: $0 for most cardholders; some "Gold" Visa versions may carry a $59 fee based on creditworthiness.

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

: Larger purchases, often $1,499+ or specific categories like home theater. best buy card credit card

There are two primary versions of the card, and your approval for either depends on your creditworthiness:

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. : $0 for most cardholders; some "Gold" Visa

: 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 Elite Plus members can earn 6% back

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)