Credit Card | Best Buy Card

: An "open-loop" card accepted anywhere Visa is honored.

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 best buy card credit card

: Some sources report a limited-time bonus of 15% back on the first day of purchases for approvals through May 3, 2026. Promotional Financing Options : An "open-loop" card accepted anywhere Visa is honored

: Larger purchases, often $1,499+ or specific categories like home theater. Elite Plus members can earn 6% back

: Ranges from approximately 14.24% to 30.74% , which is significantly higher than the national average. Late Fee : Up to $41. Foreign Transaction Fee : 0% for the Visa version. Expert Comparison My Best Buy® Credit Cards | Citi.com

: A "closed-loop" card accepted only at Best Buy and BestBuy.com. Reward Structure

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)