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My Best Buy® Visa® Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
31.24% (Variable)
Interest Rate: Purchases
31.24% (Variable)
Balance Transfer
Balance Transfer
1 - 3% cashback
1 - 3% cashback
Signup Bonus
Signup Bonus

Informr score
The My Best Buy® Visa® Card currently has an Informr score of 6.7 out of 10. This score is based on our evaluation of 15 sources including reviews from users and the web's most trusted critics.

Am I eligible?

My Best Buy® Visa® Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...


The My Best Buy Visa Card* really only makes sense if you regularly shop at Best Buy. While it does earn rewards for non-Best Buy purchases, you’ll only be able to redeem your rewards at Best Buy. If you do shop there often, you can turn your rewards into Best Buy savings and take advantage of a spe...

- Nicole Dieker, Cnet

The Best Buy® Credit Card is worth it for people with good credit or better who want to save 5% - 10% when they shop at Best Buy. The card offers a choice between 2.5 points / $1 and 0% for 12 - 24 months on Best Buy purchases.

- John S Kiernan, WalletHub

The Best Buy Visa Platinum credit card is a tempting option for anyone who frequents Best Buy. However, the benefits and rewards this card offers are limited, compared to what other rewards credit cards offer. A number of no-annual-fee cards earn more flexible rewards and have built-in purchase prot...

- Jason Stauffer, Select

Frequent Best Buy shoppers with a big purchase to make will benefit the most from this card's 5% back on Best Buy purchases and its special financing options. One downside is that the rewards earned can only be redeemed toward the retailer's purchases.

- Kevin Payne, SlickDeals

The My Best Buy Visa Credit Card* is best for consumers who spend a lot with the big box tech retailer, but most shoppers will probably find better value from a more general cash back card. When you use this card to make a purchase with Best Buy, you can choose between earning rewards or flexible fi...

- Holly Johnson, NextAdvisor


Interest Rates
Regular APR Interest Rate 31.24% (Variable)
  • This APR will vary with the market based on the Prime Rate.
  • 11.90% for select purchases eligible for the 48 month reduced rate credit plan
  • 0% – 11.99% for select purchases eligible for the 24 month reduced rate credit plan
  • 8.99% – 12.99% for select purchases eligible for the 36 month reduced rate credit plan
Balance Transfer Interest Rate
Cash Advance Interest Rate
Rates & Fees
Annual Fee $0.00
Balance Transfer Fee
Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $41.00


Sign up bonus

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
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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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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