Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Holly Johnson, NextAdvisorThe My Best Buy Visa Credit Card is only good for people who like spending at Best Buy and do so regularly. It does offer some lucrative rewards on Best Buy purchases, but limited redemption options make it far less valuable than more flexible cash back credit cards. And while no interest on large p...
- Brendan Harkness, Credit Card InsiderCould give frequent Best Buy shoppers a nice 5% return on every purchase — but there are a few downsides to be aware of. Beware the deferred financing plans, and consider choosing the 5% back in rewards instead. If you do take a financing offer, be absolutely sure to make on-time payments every mont...
- Jessica Walrack, The Simple DollarBest Buy’s store credit card is ideal for loyal customers who don’t buy tech anywhere else. It offers a high rewards rate on purchases and flexible financing options to help you save money on interest. Keep in mind you can only earn rewards at Best Buy and redeem them for store credit. If you aren’t...
- Kelli Bamforth, CreditCards.comThe My Best Buy Visa credit card makes sense for fans of the latest and greatest electronics, but casual shoppers and techies alike should beware of the card’s high interest rate, which could negate their rewards and benefits.
- Joe Muscolino, FinderYou should pass on the My Best Buy® Visa® Card and compare other store credit cards if you’re only an occasional Best Buy shopper. But if you come back to the store again and again, you’ll find that the My Best Buy® Visa® Card offers great rewards.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
25.24% (Variable)
|
| Balance Transfer Interest Rate |
25.24% (Variable)
|
| Cash Advance Interest Rate |
27.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
5% Minimum of $15 |
| Cash Advance Fee |
5% Minimum of $10 |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$40.00 Maximum |
| Promotions | |
| Sign up bonus |
5% cash back on home improvement
|
| Rewards | |
| All Purchases | 1% cash back |
| Restaurants | 2% cash back |
| Gas | 3% cash back |
| Groceries | 2% cash back |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Additional Details |
5% cash back on qualifying Best Buy purchases (Elite Plus members get an additional 1% cash back) |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | No |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | No |
| Free Credit Scores | No |
| Wireless Payments | No |
| Virtual Cards | No |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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