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best buy credit card account

If you're an existing cardmember, please sign in, navigate to Credit Card Services My Best Buy® Credit Card Office Depot® Personal Credit Account. The standard payment address for the Best Buy credit card is: HSBC Card Services, PO Box , San Jose, CA For making an overnight payment. The My Best Buy Visa card is for frequent Best Buy shoppers, with good to excellent credit, who would like to earn rewards toward more Best Buy.

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Best buy credit card account
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Best Buy Credit Card Payment Information

   

One of the ways to make a payment to your Best Buy credit card is to mail it in.

Send your payment, including account number, to the address printed on your statement or if you do not have it available:

Best Buy Services
PO Box
Columbus, OH

Contact Customer Service

Please check with Best Buy Online or By phone your current address. Call for more information.

*Address, Information and Programs Subject to Change

Shop Now

Enroll in Paperless Statements and Letters

To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. If you do not wish to enroll, choose Cancel and deselect the Paperless Statements and Letters checkbox.

Enrollment in Credit Card Paperless Statements and E-Communications

We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices.

To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements.

Minimum System Requirements

Your privacy and security are important to us. That is why best buy credit card account require you to use a browser with bit security encryption to proceed with your application. This protection helps to ensure that the information you send and receive will remain confidential.

Getting Paper Copies

If you choose to receive legal notices and statements electronically and then want a paper notice, call us at the number on the back of your chase bank customer support email and we will mail it to you.

Cancelling Paperless Statements and E-Communications

You may cancel through account online or by calling us at the number on the back of your card.

Updating Email Address

We will send notifications regarding the availability of your statement online and legal notices to the email address you provided to us until you contact us to change it. It is your responsibility to farmers state bank cedar rapids promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on the back of your card.

Credit Card Paperless Statements and E-Communications Authorization

I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically.

You will receive paperless notifications at the email address currently associated with your account.

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How To Make a Best Buy Credit Card Payment

Credit Cards / Retail

Best-Buy

Niloo / mynewextsetup.us

Best Buy opened its doors in as an electronics store called Sound of Music. The company changed its name to Best Buy in as it added home appliances and VCRs to its product line. Known for its warehouse-style stores and commission-free staff, Best Buy now has more than 1, stores in the U.S. To make paying for your purchases more convenient, Best Buy offers two credit card options.

Best Buy Credit Card Options and Rewards

Best Buy offers two credit card options issued by Citibank: a retail version that works only at Best Buy stores and a Visa-branded Best Buy credit card that’s accepted anywhere that accepts Visa. The My Best Buy credit card and the My Best Buy Visa card both earn Best Buy Rewards and come with flexible financing options.

How To Make a Best Buy Credit Card Payment

When it’s time to pay your My Best Buy credit card bill, you have several options — online, by phone, via text or by mail. Here are the details for each payment method.

Best Buy Credit Card Login

To pay your bill online, you’ll need to use your My Best Buy credit card login. Here’s how:

  1. Visit the credit card registration page on Citibank’s website.
  2. Provide the credit card number, your name, the card’s security code and the last four digits of your Social Security number.
  3. Once you’ve registered, you can log in to your Best Buy account online with your user ID and password.
  4. Have your checking account number and your bank routing number handy. Then, follow the prompts to make the payment.

In addition to paying your account through the website, you can activate alerts and manage your account.

How To Make a Best Buy Credit Card Payment by Phone

Citibank allows you to make a payment on your Best Buy credit card account by phone using its free, automated system at You’ll need to provide your checking first offender program virginia number, bank routing number and have a valid check ready to complete the payment.

How To Make a Best Buy Credit Card Payment by Text

Another option is to pay by text. Note that your best buy credit card account provider may charge you for sending and receiving texts. Here’s how:

  1. Text PAY to from the device linked to your Best Buy account.
  2. You’ll have to verify your identity, then text the amount you want to pay and indicate the account you’re using to make the payment.

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How To Make a Best Buy Credit Card Payment by Mail

To pay your Best Buy credit card by mail, you’ll need to send a check or money order along with your account number. The address you send it to depends on the type of card you have.

If you’re paying a My Best Buy credit card account, send the payment to:

My Best Buy Credit Card Payments
P.O. Box
Louisville, KY

To pay your My Best Buy Visa bill, send the payment to:

My Best Buy Visa Card Payments
P.O. Box
Phoenix, AZ

If you’re making a late bill payment on either Best Buy credit card and want the payment to arrive the next day, use this address:

Attn: Consumer Payment Dept.
Grade Lane
Building 9, Suite
Louisville, KY

For My Best Buy credit card payments, address the envelope to My Best Buy Credit Card Overnight Delivery/Express Payment. For the Visa-branded account, address your payment to  My Best Buy Visa Credit Card Overnight Delivery/Express Payments.

This article has been updated with additional reporting since its original publication.

Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been endorsed by Citibank.

Information is accurate as of Sept. 30,

About the Author

Barb Nefer has been writing professionally for nearly 30 years, cutting her teeth as a news writer for the Daily Southtown in Chicago. She's a doctor of psychology, and her eclectic expertise includes personal finance, psychology, travel and the pet industry. Her work reflects that diversity, with pieces appearing in places like mynewextsetup.us, CBS Local, mynewextsetup.us, WebPsychology, and Animal Wellness magazine.

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Best Buy Credit Card Review - Should You Apply?

Best Buy Store Card and Credit Card

Best Buy store fans can choose from two different credit cards: the My Best Buy Credit Card and My Best Buy Visa Card.

Each Best Buy credit card offers benefits while using your card for shopping in-store.

Here’s how the two compare against each other and among other credit cards available.

Best Buy Credit Card vs. Best Buy Store Card

Both the store card and the credit card allow you to make purchase products from Best Buy and pay them off later, either monthly or all at once.

You can also apply for either through the Best Buy online application process.

Once you are approved, you can choose between the two. You cannot use the store card outside of Best Buy.

You will, however, earn 5% rewards for Best Buy products.

If you happen to be an Elite Plus member (which is based on your annual spending — see below for more information), you'll earn 6%.

My Best Buy Visa cardholders also earn 2% back on dining out, groceries, and gasoline, and 1% back on everything else.

Both cards allow you to choose the 5% option for Best Buy purchases or special financing. For example, on purchases totaling $ or more, you get six months to pay off your balance without any interest.

On purchases totaling $ or more, you get 12 months at no interest. On purchases of more than $ get 18 months, and those totaling more than $ get 24 months.

Elite vs. Elite Plus Status at Best Buy

Best Buy operates the My Best Buy Rewards program that is free for anyone to join.

The program's benefits include rewards on every Best Buy purchase, free shipping, and special offers.

However, there are two other program tiers that can provide even more perks for the frequent Best Buy shopper: Elite and Elite Plus.

The rewards earned under all Best Buy cards will be saved under the My Best Buy Rewards program.

Elite and Elite Plus statuses in this program require $1, and $3, in purchases per calendar year, respectively. Each of these levels provides additional perks and benefits. They include:

  • Points bonuses
  • Free standard and expedited shipping without minimums
  • Extended periods of time for returns and exchanges

If you happen to shop frequently at Best Buy, these elite status levels can result in more points and more savings on each purchase.

Redeeming your best buy rewards

You can earn points for each dollar spent with Best Buy, which is equal to 5%. Every points is worth a $5 Best Buy certificate that you can use toward your next purchase.

However, this limits your rewards to only those made at Best Buy stores. Other credit cards allow you to redeem as a statement credit toward any purchase, or even for cash and gift cards with other retailers.

Because of this, your rewards certificates are only useful if you continuously shop at Best Buy.

This program also offers free standard shipping on orders $35 or more as well as access to special sales and promotions.

My BestBuy Programs

My Best Buy programsCore membersElite membersElite Plus members
Shipping feesFree 2-Day shipping (with no annual fee) on thousands of items available on mynewextsetup.usFree 2-Day shipping (with no annual fee) on thousands of items available on mynewextsetup.usFree 2-Day shipping (with no annual fee) on all items availble on mynewextsetup.us
Rewards Points if you are My Best Buy credit card user5% back or points for every $1 spent on eligible purchases5% back or points for every $1 spent on eligible purchases6% back or 3 points for every $1 spent on eligible purchases
Rewards points when using another qualifying form of payment1% back or 1 point for every $2 spent2% back or 1 point for every $1 spent5% back or points for every $1 spent
Returns/Exchanges15 day return/exchange periodExtended 30 day return/exchange periodExtended 45 day return/exchange period
SpecialsMember-Only Access to special offers and pre-sale exclusives, such as Black Friday Early Access eventMember-Only Access to special offers and pre-sale exclusives, such as Black Friday Early Access event

Best Buy Credit Card Fees

best buy store

The store card carries a high APR, for purchases that are eligible for the month reduced rate plan. This card has no fees except for a late payment fee and returned payment fee, each $ It can only be used when shopping in Best Buy.

Best Buy Credit Card Best buy credit card account & Best Buy Credit Best buy credit card account Compared

FeesMy Best Buy Credit CardMy Best Buy Visa® Credit Card
Annual Fee$0$0-$59 (depending on creditworthiness)
Where can you use?In-store purchases onlyAnywhere
Annual Percentage Rate (APR) for Purchases% This APR will vary with the market based on the Prime Rate. % for select purchases eligible for the 48 month reduced rate credit plan (The store sales associate or store website will identify which purchases are eligible for the reduced rate credit plan)% This APR will vary with the market based on the Prime Rate. % for select purchases eligible for the 48 month reduced rate credit plan (The store sales associate or store website best buy credit card account identify which purchases are eligible for the reduced rate credit plan)
How to Avoid Paying Interest on PurchasesYour due date is at least 25 days after the close of each billing cycle.Your due date is at least 25 days after the close of each billing cycle.
Minimum Interest ChargeIf you best buy credit card account charged interest, the charge will be no less than $2.If you are charged interest, the charge will be no less than $2.
Late Payment FeeUp to $38Up to $38
Returned Payment FeeUp to $38Up to $38

The card's interest rate is high for purchases and balance transfers. Purchases that are eligible for the month reduced rate plan charge a lower APR.

Based on your credit score, there will either be an annual fee of $59 or no annual fee.

Both cards include higher terms than you’ll find with other rewards credit cards, especially if you happen to qualify for the one with the $59 annual fee.

If this is the case, there are many others available with no annual fee at all and more benefits. In fact, the U.S. Bank Cash+ Visa Signature offers similar rewards with no annual fee.

Further, the Blue Cash Preferred Card from American Express provides more benefits with more spending and redeeming flexibility than either of the Best Buy cards, with an annual fee of $

Interest Rates on Credit Cards is High

Both Best Buy cards carry high APRs which can quickly add up if you aren’t diligent in paying your balance in full each month.

If you typically carry a balance, it’s best to choose a card with a lower interest rate. Great options include:

If you can pay your entire balance in full each month and avoid paying interest, the high APR is less of an issue.

Saving on Interest with Special Financing

The Best Buy special financing offers are dependent on how much you spend at Best Buy. Although you can avoid paying interest for as long as 24 months, this is only if you spend more than $

If you plan on making a smaller purchase or purchasing with different retailers, you may be better off with a card that offers a 0% introductory APR.

It is nearly as long as Best Buy’s longest financing offer. Plus, you don’t have to spend a certain amount to take advantage of it.

Credit Score Needed for Best Buy Cards

Store cards are generally easier to qualify for if you have had minor credit score problems in the past. Your credit score rating is considered bad if it is in the lower s. You may have a better chance of approval for the Best Buy cards than you would with other cards.

Be prepared, however, to receive a relatively low initial credit line — around $ or less. With a low credit limit, you may not be able to best buy credit card account an electronic purchase to the My Best Buy cards.

After 6 months of responsible usage, you can request a credit line increase so that you can purchase larger items with the Best Buy on the card.

Fortunately, the higher credit line can also help you improve your credit scores.

credit scores

Best Buy Credit Card Promotions and Sign-Up Offers

The Best Buy Credit Cards currently offer an additional bonus of 5% rewards on your first purchase made within the first 14 days.

That's a total of 10% rewards for your initial Best Buy purchases. The value of this sign-up offer is dependent on how much your purchase costs.

For example, if you buy a new television from Best Buy that costs $1, you earn 7, points, which walmart eye center mexico mo worth a $ certificate. This can result in significant savings on your next purchase.

However, credit cards often provide valuable sign-up bonuses in order to attract new cardholders. It may be worth more to you especially if you don’t plan on making a large purchase at Best Buy right away.

In comparison, the Blue Cash Preferred Card from American Express typically offers welcome bonuses worth hundreds of dollars. The cash back can be used for anything you want, not just Best Buy spending.

Best Store Credit Cards

Best Store Credit CardsRewardsAPRAnnual Fee
Best Buy® Store Card5% back or points for every $1 spent on eligible purchases0% (for 6 months on purchases $ and up; 12 months for $ and up)$0
Home Depot® Credit CardNo rewards program0% (for months)$0
Walmart® Store Card5-cent per gallon savings on Walmart gas stations0% (for months)$0
GAP Store Card5 points per $1 spent%$0
Staples® Credit Card5% cash back0% (for months)$0
Amazon Store Credit Card5% cash back with Amazon Prime0% (for months)$0
Apple Store Credit Card3 points per $1 at Apple & iTunes 0% (for months)$0
Overstock™ Store Credit Card1% on non-Overstock purchases, 8% Overstock purchases 0% (for 6 months)$0

How to Earn More with Other Credit Cards

Although you have an opportunity to earn 5% rewards at Best Buy stores, there are other rewards credit cards that can provide better benefits.

Blue Cash Preferred from American Express

See Rates & Fees. Terms apply.

Blue Cash Preferred Card from American Express Pros & Cons

ProsCons
  • Earn high cash back rates at Best buy credit card account. supermarkets, gas stations, and transit
  • Offers card perks such as auto rental coverage and return protection
  • Can carry a balance from month to month with no added fee
  • $95 annual fee
  • High foreign transaction fee
  • Need excellent credit to get approved

The American Express Blue Cash Preferred Card lets you earn 6% cash back at U.S. supermarkets, up to the first $6, spent in the category during the calendar year.

You can purchase Best Buy gift cards at supermarkets and you're earning 6% cash back at Best Buy.

Read the American Express Blue Cash Preferred editor's review.

Chase Freedom Flex

Chase Freedom Flex Card Pros & Cons

ProsCons
  • Great for bonus cash back on very common spending categories
  • Earn a high amount of cash back on travel booked through Chase Ultimate Rewards
  • No annual fee
  • Potentially high F express train schedule if you carry over a balance month-to-month
  • You'll need to remember to activate the quarterly bonus to qualify for the 5% cash back

Chase Freedom Flex offers 5% cash back in select categories that change every quarter. Usually, electronics stores is one category that could allow cardholders to earn big cash back at Best Buy.

The card has no annual fee.

Read the editor' review of Chase Freedom Flex.

Verdict: Best Buy Credit Cards union savings bank mt washington Other Cards?

Because you may have a better chance of qualifying for a Best Buy card, it’s best for those with bad to fair credit score ratings.

However, if you’re simply looking for the best program for purchasing at Best Buy, there are a number of other credit cards that award as much or more. As a bonus, they don't limit your options on spending or redeeming.

However, if you frequently shop at Best Buy stores or can take advantage of the special financing and sign-up offer, the Best Buy Credit Card benefits may be best buy credit card account make sure that you're making the payments every month. You will also get the most out of these cards if you qualify for Elite or Elite Plus status in the My Best Buy Rewards program.

It should be noted that if you do end up getting the card with the annual fee, it’s important to consider how much you will actually use the card and if it’s worth paying $59 every year.

FAQs

What credit score is needed for a Best Buy card?

Best Buy nor Citi does not disclose the minimum credit score needed to get approved for a Best Buy store card or a My Best Buy Visa Card, respectively.

For the store card, due to it being limited to store purchases only, you'll likely need a lower credit score (compared to the Visa card). 

For the Visa card, be prepared to apply when you have good credit, which is typically or higher.

Can I use my Best Buy Visa credit card anywhere?

You can use the Best Buy Visa credit card wherever Visa credit cards are accepted.

The Best Buy store credit card, which does not display the Visa logo on the card, can only be used for Best Buy store purchases.

What is the highest credit limit for Best Buy?

Based on unconfirmed online reports, the highest credit limit for Best Buy could be $12, or higher (with excellent credit). However, individual credit limits will vary depending on your credit score, income and other factors.

Continue Reading

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My Best Buy Find a Location Payment Address

   
   
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Best buy credit card account -

Find a Location
CardMatchFind card offers for you: This card is not currently available on mynewextsetup.us, but you can still find a great card offer for you! Our CardMatch tool can help match you with prequalified offers and cards that align with your credit history – with no harm to your credit score. Get personalized offers from our partners in seconds.

While other retailers such as Circuit City and Radio Shack have shuttered their doors, Best Buy stands as one of the last nationwide bastions in the electronics space. For loyal Best Buy customers, the My Best Buy Visa card is a good deal as far as retail cards go. Frequent visitors to the merchant are likely to relish a 5 percent rewards on all Best Buy purchases, along with decent rewards at gas stations, restaurants and grocery stores.

The card also offers promotional financing offers, access to special sales and decent sign-up benefits. However, a limited redemption program and high APR mean customers who don’t shop at the chain on a frequent basis should probably steer in the direction of a general-purpose rewards card.

Good earnings scheme

Few store-branded cards provide the ability to earn rewards with purchases made elsewhere, but that’s not the case with the My Best Buy Visa Card. In addition to 5 percent back in rewards on Best Buy purchases (6 percent in rewards for Elite Plus cardmembers), My Best Buy Visa cardholders enjoy 3 percent back on gas purchases, 2 percent back on grocery and dining purchases and 1 percent back on everything else.

The card also sometimes offers limited-time bonus rewards in additional categories. For example, in , cardholders had a limited time to earn 10 percent back in rewards on pharmacy and drug store purchases and 5 percent back in rewards on wholesale club purchases, upon activation.

As long as you don&#;t mind using your rewards at Best Buy, this could be a pretty lucrative rewards scheme, especially for gamers, tech junkies or anyone else who spends a lot of time at electronics stores. For example, if you were lucky enough to snag a coveted Playstation 5 and spent $ with your My Best Buy Visa Card, you&#;d earn back 1, points, worth $25 in purchases at Best Buy – enough for a three-month Playstation Plus subscription.

Thanks to its bonus rewards categories outside of Best Buy, we estimate that the My Best Buy Visa Card carries an average rewards rate of points per dollar. This means that if your spending matched that of the average person, you&#;d stand to earn approximately 28, points per year with the My Best Buy Visa Card. Your points are worth 2 cents apiece, so this would add up to nearly $ in rewards when redeemed at Best Buy.

The card also features a miniature sign-up bonus of 10% back in rewards on your first day of purchases when you&#;re approved for the card. You must make your first purchase within 14 days of approval to take advantage of this bonus, however.

Special financing deals

In lieu of rewards, cardholders can opt for promotional financing. Though Best Buy may occasionally offer special financing on specific items for terms as long as 60 months, the card’s standard benefit is six-month financing for purchases greater than $ and month financing for purchases greater than $

That said, keep in mind that interest will be charged to your account from the date of purchase if the balance isn’t paid in full by the end of the promotional period. So, tread lightly and don’t choose this alternative unless you’re confident you can make the necessary monthly payments to bring your promotional balance down to $0 by the time the clock runs out.

Card options vary

Though the My Best Buy Visa Platinum credit card has no annual fee, that doesn’t mean you won’t end up paying one. If your credit excludes you from the top-tier Platinum card, you’ll be considered for other cards in the following order: My Best Buy Credit Card Preferred; My Best Buy Credit Card; and My Best Buy Visa Gold. The bad news? The My Best Buy Credit Card (both regular and preferred) are store-only cards, so you won’t earn rewards on dining and general purchases as you would with the Platinum card.

Meanwhile, the My Best Buy Visa Gold card comes with a $59 annual fee. If this is the only card for which you qualify, you’ll need to spend nearly $1, annually to make up for the added expense – so consider your overall spending habits before signing on the dotted line.

Limited redemption

Despite the card’s flexible rewards, its redemption program is rather restrictive. While the Platinum card enables you to earn rewards outside of Best Buy, reward points – no matter where they’re accrued – are only redeemable at the electronics retailer. Also, the rewards come in the form of email certificates, which are issued once you reach points (equal to $5). These certificates have very short expiration dates – they expire after just 60 days – so you need to shop at Best Buy at least every two months in order not to lose out on your rewards.

If you are unlikely to visit Best Buy frequently and/or do not want to have to keep track of rewards certificates, you may be better off with a lower maintenance cash back card – such as the Citi® Double Cash Card – that will allow you to earn cash back on your Best Buy purchases without imposing expiration dates on your rewards.

On the plus side, reward certificates can be stacked with other deals and discounts and are automatically emailed when you reach points, so there’s no need to worry about losing paper certificates.

My Best Buy frequent shopper program

Becoming a My Best Buy Visa cardholder comes with enrollment in the store’s frequent shopper program, members of which are entitled to exclusive benefits such as free two-day shipping (with a $35 minimum purchase) and free Geek Squad setup. You can also earn rewards ( points per dollar) without getting a credit card.

Spending $3, in a calendar year makes you an ElitePlus member, giving you access to 6 percent rewards on Best Buy purchases with the My Best Buy Visa Platinum credit card. You’ll also appreciate the extended period for returns and removal of the minimum purchase requirement for free shipping, among other perks.

Why get the My Best Buy Visa card?

  • You’re already a regular Best Buy customer.
  • You normally make electronics purchases elsewhere but are willing to switch for the rewards.
  • You don’t plan to carry a balance from month to month.
  • You shop frequently enough at Best Buy to use rewards certificates before they expire in 60 days.

How to use the My Best Buy Visa card:

  • Because of the card’s high APR, opt for deferred-interest financing over rewards if you’ll need more than a month to pay off a purchase.
  • That being said, beware of deferred interest associated with the card’s special financing offers. Interest is imposed retroactively if you still owe a balance on your purchase at the end of the promotional period.
  • Pay your regular balance in full every month to avoid paying higher-than-average interest.

Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy

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FAQ

How do I pay my Best Buy card?

Pay Your Best Buy Credit Card Bill by Phone You can always make your payment over the phone by calling The automated system will take you through the bill payment process. Make sure to have your credit card account number and banking information handy.

Can I pay my best buy credit card online?





All Best Buy credit cards can be paid off in-store using cash or check. Cardholders can also pay their Best Buy credit card bills by check, over the phone, by mail, and online through mynewextsetup.us

Where do I mail my best buy credit card payment?

The standard payment address for the Best Buy credit card is: HSBC Card Services, PO Box , San Jose, CA For making an overnight payment, the address is: HSBC Card Services Inc., ATTN: Exception Dept, E. Tower Road, Schaumburg, IL

What is my best buy credit card number?





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How do I make a payment to best buy online?

Gather your bank routing number and account number from which you'll make your online payment. Log into your Best Buy account online from the account management page with your user ID and password. You can also use the links on the Best Buy customer service web page.





How do I pay my Best Buy card?

Call Have your account number and valid check from a U.S. bank ready when you call. There is no fee when you pay through our automated system.

Can I pay my best buy credit card online?

All Best Buy credit cards can be paid off in-store using cash or check. Cardholders can also pay their Best Buy credit card bills by check, over the phone, by mail, and online through mynewextsetup.us

Where do I mail my best buy credit card payment?

The standard payment address for the Best Buy credit card is: HSBC Card Services, PO Box , San Jose, CA For making an overnight payment, the address is: HSBC Card Services Inc., ATTN: Exception Dept, E. Tower Road, Schaumburg, IL

How do I make a payment to best buy online?

Gather your bank routing number and account number from which you'll make your online payment. Log into your Best Buy account online from the account management page with your user ID and password. You can also use the links on the Best Buy customer service web page.

How do I pay my Best Buy card?

Call Have your account number and valid check from a U.S. bank ready when you call. There is no fee when you pay through our automated system.

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My Best Buy

Best Buy Credit Card Review - Should You Apply?

Best Buy Store Card and Credit Card

Best Buy store fans can choose from two different credit cards: the My Best Buy Credit Card and My Best Buy Visa Card.

Each Best Buy credit card offers benefits while using your card for shopping in-store.

Here’s how the two compare against each other and among other credit cards available.

Best Buy Credit Card vs. Best Buy Store Card

Both the store card and the credit card allow you to make purchase products from Best Buy and pay them off later, either monthly or all at once.

You can also apply for either through the Best Buy online application process.

Once you are approved, you can choose between the two. You cannot use the store card outside of Best Buy.

You will, however, earn 5% rewards for Best Buy products.

If you happen to be an Elite Plus member (which is based on your annual spending — see below for more information), you'll earn 6%.

My Best Buy Visa cardholders also earn 2% back on dining out, groceries, and gasoline, and 1% back on everything else.

Both cards allow you to choose the 5% option for Best Buy purchases or special financing. For example, on purchases totaling $ or more, you get six months to pay off your balance without any interest.

On purchases totaling $ or more, you get 12 months at no interest. On purchases of more than $ get 18 months, and those totaling more than $ get 24 months.

Elite vs. Elite Plus Status at Best Buy

Best Buy operates the My Best Buy Rewards program that is free for anyone to join.

The program's benefits include rewards on every Best Buy purchase, free shipping, and special offers.

However, there are two other program tiers that can provide even more perks for the frequent Best Buy shopper: Elite and Elite Plus.

The rewards earned under all Best Buy cards will be saved under the My Best Buy Rewards program.

Elite and Elite Plus statuses in this program require $1, and $3, in purchases per calendar year, respectively. Each of these levels provides additional perks and benefits. They include:

  • Points bonuses
  • Free standard and expedited shipping without minimums
  • Extended periods of time for returns and exchanges

If you happen to shop frequently at Best Buy, these elite status levels can result in more points and more savings on each purchase.

Redeeming your best buy rewards

You can earn points for each dollar spent with Best Buy, which is equal to 5%. Every points is worth a $5 Best Buy certificate that you can use toward your next purchase.

However, this limits your rewards to only those made at Best Buy stores. Other credit cards allow you to redeem as a statement credit toward any purchase, or even for cash and gift cards with other retailers.

Because of this, your rewards certificates are only useful if you continuously shop at Best Buy.

This program also offers free standard shipping on orders $35 or more as well as access to special sales and promotions.

My BestBuy Programs

My Best Buy programsCore membersElite membersElite Plus members
Shipping feesFree 2-Day shipping (with no annual fee) on thousands of items available on mynewextsetup.usFree 2-Day shipping (with no annual fee) on thousands of items available on mynewextsetup.usFree 2-Day shipping (with no annual fee) on all items availble on mynewextsetup.us
Rewards Points if you are My Best Buy credit card user5% back or points for every $1 spent on eligible purchases5% back or points for every $1 spent on eligible purchases6% back or 3 points for every $1 spent on eligible purchases
Rewards points when using another qualifying form of payment1% back or 1 point for every $2 spent2% back or 1 point for every $1 spent5% back or points for every $1 spent
Returns/Exchanges15 day return/exchange periodExtended 30 day return/exchange periodExtended 45 day return/exchange period
SpecialsMember-Only Access to special offers and pre-sale exclusives, such as Black Friday Early Access eventMember-Only Access to special offers and pre-sale exclusives, such as Black Friday Early Access event

Best Buy Credit Card Fees

best buy store

The store card carries a high APR, for purchases that are eligible for the month reduced rate plan. This card has no fees except for a late payment fee and returned payment fee, each $ It can only be used when shopping in Best Buy.

Best Buy Credit Card Preferred & Best Buy Credit Card Compared

FeesMy Best Buy Credit CardMy Best Buy Visa® Credit Card
Annual Fee$0$0-$59 (depending on creditworthiness)
Where can you use?In-store purchases onlyAnywhere
Annual Percentage Rate (APR) for Purchases% This APR will vary with the market based on the Prime Rate. % for select purchases eligible for the 48 month reduced rate credit plan (The store sales associate or store website will identify which purchases are eligible for the reduced rate credit plan)% This APR will vary with the market based on the Prime Rate. % for select purchases eligible for the 48 month reduced rate credit plan (The store sales associate or store website will identify which purchases are eligible for the reduced rate credit plan)
How to Avoid Paying Interest on PurchasesYour due date is at least 25 days after the close of each billing cycle.Your due date is at least 25 days after the close of each billing cycle.
Minimum Interest ChargeIf you are charged interest, the charge will be no less than $2.If you are charged interest, the charge will be no less than $2.
Late Payment FeeUp to $38Up to $38
Returned Payment FeeUp to $38Up to $38

The card's interest rate is high for purchases and balance transfers. Purchases that are eligible for the month reduced rate plan charge a lower APR.

Based on your credit score, there will either be an annual fee of $59 or no annual fee.

Both cards include higher terms than you’ll find with other rewards credit cards, especially if you happen to qualify for the one with the $59 annual fee.

If this is the case, there are many others available with no annual fee at all and more benefits. In fact, the U.S. Bank Cash+ Visa Signature offers similar rewards with no annual fee.

Further, the Blue Cash Preferred Card from American Express provides more benefits with more spending and redeeming flexibility than either of the Best Buy cards, with an annual fee of $

Interest Rates on Credit Cards is High

Both Best Buy cards carry high APRs which can quickly add up if you aren’t diligent in paying your balance in full each month.

If you typically carry a balance, it’s best to choose a card with a lower interest rate. Great options include:

If you can pay your entire balance in full each month and avoid paying interest, the high APR is less of an issue.

Saving on Interest with Special Financing

The Best Buy special financing offers are dependent on how much you spend at Best Buy. Although you can avoid paying interest for as long as 24 months, this is only if you spend more than $

If you plan on making a smaller purchase or purchasing with different retailers, you may be better off with a card that offers a 0% introductory APR.

It is nearly as long as Best Buy’s longest financing offer. Plus, you don’t have to spend a certain amount to take advantage of it.

Credit Score Needed for Best Buy Cards

Store cards are generally easier to qualify for if you have had minor credit score problems in the past. Your credit score rating is considered bad if it is in the lower s. You may have a better chance of approval for the Best Buy cards than you would with other cards.

Be prepared, however, to receive a relatively low initial credit line — around $ or less. With a low credit limit, you may not be able to charge an electronic purchase to the My Best Buy cards.

After 6 months of responsible usage, you can request a credit line increase so that you can purchase larger items with the Best Buy on the card.

Fortunately, the higher credit line can also help you improve your credit scores.

credit scores

Best Buy Credit Card Promotions and Sign-Up Offers

The Best Buy Credit Cards currently offer an additional bonus of 5% rewards on your first purchase made within the first 14 days.

That's a total of 10% rewards for your initial Best Buy purchases. The value of this sign-up offer is dependent on how much your purchase costs.

For example, if you buy a new television from Best Buy that costs $1,, you earn 7, points, which is worth a $ certificate. This can result in significant savings on your next purchase.

However, credit cards often provide valuable sign-up bonuses in order to attract new cardholders. It may be worth more to you especially if you don’t plan on making a large purchase at Best Buy right away.

In comparison, the Blue Cash Preferred Card from American Express typically offers welcome bonuses worth hundreds of dollars. The cash back can be used for anything you want, not just Best Buy spending.

Best Store Credit Cards

Best Store Credit CardsRewardsAPRAnnual Fee
Best Buy® Store Card5% back or points for every $1 spent on eligible purchases0% (for 6 months on purchases $ and up; 12 months for $ and up)$0
Home Depot® Credit CardNo rewards program0% (for months)$0
Walmart® Store Card5-cent per gallon savings on Walmart gas stations0% (for months)$0
GAP Store Card5 points per $1 spent%$0
Staples® Credit Card5% cash back0% (for months)$0
Amazon Store Credit Card5% cash back with Amazon Prime0% (for months)$0
Apple Store Credit Card3 points per $1 at Apple & iTunes 0% (for months)$0
Overstock™ Store Credit Card1% on non-Overstock purchases, 8% Overstock purchases 0% (for 6 months)$0

How to Earn More with Other Credit Cards

Although you have an opportunity to earn 5% rewards at Best Buy stores, there are other rewards credit cards that can provide better benefits.

Blue Cash Preferred from American Express

See Rates & Fees. Terms apply.

Blue Cash Preferred Card from American Express Pros & Cons

ProsCons
  • Earn high cash back rates at U.S. supermarkets, gas stations, and transit
  • Offers card perks such as auto rental coverage and return protection
  • Can carry a balance from month to month with no added fee
  • $95 annual fee
  • High foreign transaction fee
  • Need excellent credit to get approved

The American Express Blue Cash Preferred Card lets you earn 6% cash back at U.S. supermarkets, up to the first $6, spent in the category during the calendar year.

You can purchase Best Buy gift cards at supermarkets and you're earning 6% cash back at Best Buy.

Read the American Express Blue Cash Preferred editor's review.

Chase Freedom Flex

Chase Freedom Flex Card Pros & Cons

ProsCons
  • Great for bonus cash back on very common spending categories
  • Earn a high amount of cash back on travel booked through Chase Ultimate Rewards
  • No annual fee
  • Potentially high APR if you carry over a balance month-to-month
  • You'll need to remember to activate the quarterly bonus to qualify for the 5% cash back

Chase Freedom Flex offers 5% cash back in select categories that change every quarter. Usually, electronics stores is one category that could allow cardholders to earn big cash back at Best Buy.

The card has no annual fee.

Read the editor' review of Chase Freedom Flex.

Verdict: Best Buy Credit Cards or Other Cards?

Because you may have a better chance of qualifying for a Best Buy card, it’s best for those with bad to fair credit score ratings.

However, if you’re simply looking for the best program for purchasing at Best Buy, there are a number of other credit cards that award as much or more. As a bonus, they don't limit your options on spending or redeeming.

However, if you frequently shop at Best Buy stores or can take advantage of the special financing and sign-up offer, the Best Buy Credit Card benefits may be suitable.

Just make sure that you're making the payments every month. You will also get the most out of these cards if you qualify for Elite or Elite Plus status in the My Best Buy Rewards program.

It should be noted that if you do end up getting the card with the annual fee, it’s important to consider how much you will actually use the card and if it’s worth paying $59 every year.

FAQs

What credit score is needed for a Best Buy card?

Best Buy nor Citi does not disclose the minimum credit score needed to get approved for a Best Buy store card or a My Best Buy Visa Card, respectively.

For the store card, due to it being limited to store purchases only, you'll likely need a lower credit score (compared to the Visa card). 

For the Visa card, be prepared to apply when you have good credit, which is typically or higher.

Can I use my Best Buy Visa credit card anywhere?

You can use the Best Buy Visa credit card wherever Visa credit cards are accepted.

The Best Buy store credit card, which does not display the Visa logo on the card, can only be used for Best Buy store purchases.

What is the highest credit limit for Best Buy?

Based on unconfirmed online reports, the highest credit limit for Best Buy could be $12, or higher (with excellent credit). However, individual credit limits will vary depending on your credit score, income and other factors.

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