10 Best Best Buy Credit Card
Best Buy credit cards are specialized financial tools designed to enhance your shopping experience at one of the leading electronics retailers. These cards typically provide exclusive features, such as special financing options, higher reward rates on purchases made at Best Buy, and access to members-only promotions.
The benefits of using a Best Buy credit card extend beyond convenience. They allow you to maximize your savings with cashback offers, accumulate reward points for future discounts, and enjoy interest-free financing on big-ticket items. These perks make Best Buy credit cards a valuable choice for frequent shoppers and tech enthusiasts alike.
1.
Best Buy Credit Card
The Best Buy Credit Card is designed for electronics and home appliance shoppers, offering financing options and rewards for purchases made at Best Buy.
It is a store card that can only be used at Best Buy, either in-store or online.
It is a store card that can only be used at Best Buy, either in-store or online.
5% cashback when the balance is paid in full within 6 months.
Exclusive financing: Get access to special financing terms, which are perfect for large electronic purchases.
Exclusive member offers: Enjoy early access to sales and other special promotions, which can help you save money on future purchases.
Exclusive financing: Get access to special financing terms, which are perfect for large electronic purchases.
Exclusive member offers: Enjoy early access to sales and other special promotions, which can help you save money on future purchases.
Best Buy Credit CardCheck HereBest Buy Credit Card - – Offers 5% back on eligible purchases at Best Buy or special financing for large purchases over time.
Pros
Excellent rewards (5%) for Best Buy purchases with full payment within the promotional period.- No annual fee.
- Flexible financing options for electronics and large purchases.
Cons
High APR for unpaid balances after the introductory period.- Rewards are limited to Best Buy purchases, with no cashback for other spending.
- Must pay off the balance within the promotional period to earn the full cashback benefit.
Key Features
5% cashback on Best Buy purchases when you pay in full within 6 months.
Special financing: 12, 18, or 24 months on purchases over a certain amount.
Access to exclusive offers: Get early access to special sales, promotions, and exclusive financing deals.
No annual fee.
Special financing: 12, 18, or 24 months on purchases over a certain amount.
Access to exclusive offers: Get early access to special sales, promotions, and exclusive financing deals.
No annual fee.
Why Is Recommended
Best for electronics shoppers who frequently buy from Best Buy, especially those who want to take advantage of financing options for expensive electronics and home appliances.
2.
My Best Buy® Visa® Card
- My Best Buy® Visa® CardCheck Here
My Best Buy® Visa® Card - - Earn rewards everywhere Visa is accepted and enjoy higher rewards at Best Buy.
3.
Best Buy® Store Card
- Best Buy® Store CardCheck Here
Best Buy® Store Card - - Ideal for financing in-store purchases with no annual fee.
4.
Chase Freedom Unlimited®
The Chase Freedom Unlimited® is a popular cashback credit card that offers a simple and rewarding way to earn cashback on everyday purchases. It provides a combination of unlimited cashback in multiple categories, including a high rewards rate on travel, dining, and drugstore purchases. Additionally, it features an attractive sign-up bonus and no annual fee, making it a great choice for a variety of consumers.
Unlimited 1.5% Cashback: Earn 1.5% cashback on every purchase with no limits or categories to track.
Bonus Categories: Earn 5% cashback on travel purchased through Chase Ultimate Rewards®, 3% on dining (including takeout and eligible delivery services), and 3% at drugstores.
Sign-Up Bonus: New cardholders can earn a $200 bonus after spending $500 on purchases in the first 3 months.
No Annual Fee: There’s no annual fee, making this card cost-effective for users.
Access to Chase Ultimate Rewards®: The card is part of the Chase Ultimate Rewards® program, meaning you can pool points with other Chase cards for enhanced redemption options, including travel, gift cards, and statement credits.
Bonus Categories: Earn 5% cashback on travel purchased through Chase Ultimate Rewards®, 3% on dining (including takeout and eligible delivery services), and 3% at drugstores.
Sign-Up Bonus: New cardholders can earn a $200 bonus after spending $500 on purchases in the first 3 months.
No Annual Fee: There’s no annual fee, making this card cost-effective for users.
Access to Chase Ultimate Rewards®: The card is part of the Chase Ultimate Rewards® program, meaning you can pool points with other Chase cards for enhanced redemption options, including travel, gift cards, and statement credits.
- Chase Freedom Unlimited®Check Here
Chase Freedom Unlimited® - - Earn 1.5% cashback on every purchase, plus 5% on travel purchases through Chase and 3% on dining and drugstore purchases.
Pros
- High Cashback Rates: Earn 5% on travel, 3% on dining and drugstore purchases, and 1.5% on everything else.
- Sign-Up Bonus: The $200 bonus is an easy target with the relatively low spending requirement.
- No Annual Fee: The lack of an annual fee helps maximize your overall cashback rewards.
- Chase Ultimate Rewards® Program: You can redeem your cashback as Chase Ultimate Rewards® points, which have greater flexibility and value when used for travel or combined with other Chase cards.
- Introductory APR: 0% introductory APR on purchases for the first 15 months, which is great for making larger purchases or transferring balances.
Cons
- Foreign Transaction Fees: The card charges a 3% fee on foreign transactions, which can add up if used abroad.
- Rewards Limited to Certain Categories: While 1.5% cashback on all purchases is decent, higher rates are limited to travel, dining, and drugstore purchases.
- Requires Chase Ultimate Rewards® Account: To maximize the value of points, you'll need to have or open a Chase Ultimate Rewards®-eligible account, such as the Chase Sapphire Preferred® or Chase Sapphire Reserve®.
Key Features
1.5% Unlimited Cashback: Earn on all purchases, with no category restrictions.
5% Cashback on Travel via Chase Ultimate Rewards®: For bookings through Chase Ultimate Rewards®.
3% Cashback on Dining and Drugstores: Including takeout and eligible delivery services.
$200 Sign-Up Bonus: Spend $500 in the first 3 months.
No Annual Fee: No extra charge for using the card.
0% Intro APR: On purchases for the first 15 months.
5% Cashback on Travel via Chase Ultimate Rewards®: For bookings through Chase Ultimate Rewards®.
3% Cashback on Dining and Drugstores: Including takeout and eligible delivery services.
$200 Sign-Up Bonus: Spend $500 in the first 3 months.
No Annual Fee: No extra charge for using the card.
0% Intro APR: On purchases for the first 15 months.
Why Is Recommended
The Chase Freedom Unlimited® is an excellent choice for those who want a straightforward cashback card with attractive earning potential in several categories, including travel, dining, and drugstores. Its unlimited 1.5% cashback on all other purchases makes it a versatile option, and the sign-up bonus provides a quick way to earn extra value. The no annual fee makes it a cost-effective option, and the ability to transfer points to other Chase cards for enhanced rewards is a big advantage. This card is highly recommended for consumers who want a well-rounded, easy-to-use cashback card with great value.
5.
Capital One® SavorOne® Cash Rewards
- Capital One® SavorOne® Cash RewardsCheck Here
Capital One® SavorOne® Cash Rewards - - Offers excellent cashback rates on dining, entertainment, and Best Buy purchases.
6.
Bank of America Customized Cash Rewards
The Bank of America® Customized Cash Rewards Credit Card allows you to earn cashback on every purchase. The card features 3% cashback in a category of your choice (such as gas, online shopping, dining, travel, drug stores, or home improvement) and 2% cashback at grocery stores and wholesale clubs, up to $2,500 in combined purchases each quarter. All other purchases earn 1% cashback.
Customizable cashback: Choose the category that earns you the highest rewards based on your spending habits.
Quarterly bonus: Earn 2% on grocery store and wholesale club purchases.
$200 cash rewards bonus after meeting the minimum spending requirement.
No annual fee: Keep the card without paying an annual charge.
Quarterly bonus: Earn 2% on grocery store and wholesale club purchases.
$200 cash rewards bonus after meeting the minimum spending requirement.
No annual fee: Keep the card without paying an annual charge.
- Bank of America Customized Cash RewardsCheck Here
Bank of America Customized Cash Rewards - - Customizable categories for higher cashback, including Best Buy purchases.
Pros
- Customizable rewards to fit your lifestyle.
- No annual fee.
- Strong cashback on everyday purchases like groceries.
- Solid sign-up bonus.
Cons
- Quarterly category updates: You must remember to change your category each quarter.
- $2,500 cap on 2% cashback per quarter.
- High APR if balances are carried over.
Key Features
3% cashback on a category of your choice.
2% cashback at grocery stores and wholesale clubs (on up to $2,500 in combined purchases each quarter).
1% cashback on all other purchases.
$200 online cash rewards bonus if you spend at least $1,000 in the first 90 days.
No annual fee.
2% cashback at grocery stores and wholesale clubs (on up to $2,500 in combined purchases each quarter).
1% cashback on all other purchases.
$200 online cash rewards bonus if you spend at least $1,000 in the first 90 days.
No annual fee.
Why Is Recommended
This card is ideal for frequent spenders who want flexibility in choosing where they earn the most cashback. It's great for people who want to optimize their rewards on grocery or home improvement purchases, with no annual fee.
7.
Discover it® Cash Back
Cashback rewards on everyday purchases with no annual fee.
Reports to the credit bureaus to help build credit.
Reports to the credit bureaus to help build credit.
Cashback Rewards: 5% cashback in rotating categories (like groceries, gas, restaurants) and 1% on all other purchases.
First-Year Cashback Match: Discover will match all the cashback earned in the first year.
No Annual Fee: Enjoy all benefits without a yearly cost.
First-Year Cashback Match: Discover will match all the cashback earned in the first year.
No Annual Fee: Enjoy all benefits without a yearly cost.
- Discover it® Cash BackCheck Here
Discover it® Cash Back - - Offers 5% cashback on rotating categories and 1% on all other purchases, plus an introductory 0% APR for the first 15 months on purchases and balance transfers, with no annual fee.
Pros
- Cashback match for the first year.
- No annual fee.
- 5% cashback on rotating categories.
Cons
- High APR (26.99%).
- Categories change every quarter.
Key Features
Cashback: 5% in rotating categories (up to $1,500) and 1% on other purchases.
APR: 26.99% (variable).
Annual Fee: $0.
Deposit: $200 minimum.
APR: 26.99% (variable).
Annual Fee: $0.
Deposit: $200 minimum.
Why Is Recommended
This card offers significant cashback opportunities, especially if you can take advantage of rotating categories. Great for those with good credit who want to earn rewards.
8.
Citi® Double Cash Card
The Citi® Double Cash Card is a cashback credit card that offers a straightforward way to earn rewards. It provides 1% cashback on purchases, with an additional 1% cashback when you pay for those purchases. This makes it a great option for those who want to earn unlimited cashback on everyday spending without tracking categories or rotating offers.
2% Unlimited Cashback: Earn 1% cashback on every purchase, plus 1% when you pay off those purchases, for a total of 2% cashback on all eligible purchases.
No Categories to Track: Unlike some other cashback cards, the Citi® Double Cash Card doesn’t require you to keep track of rotating categories, making it simple to use.
No Annual Fee: There’s no annual fee, which helps maximize the net value of your rewards.
Introductory APR Offer: Enjoy 0% introductory APR on balance transfers for the first 18 months (then a variable APR applies), which can help you save money if you need to consolidate debt.
Flexible Redemption Options: Cashback can be redeemed for statement credits, direct deposits, or checks, offering flexibility in how you use your rewards.
No Categories to Track: Unlike some other cashback cards, the Citi® Double Cash Card doesn’t require you to keep track of rotating categories, making it simple to use.
No Annual Fee: There’s no annual fee, which helps maximize the net value of your rewards.
Introductory APR Offer: Enjoy 0% introductory APR on balance transfers for the first 18 months (then a variable APR applies), which can help you save money if you need to consolidate debt.
Flexible Redemption Options: Cashback can be redeemed for statement credits, direct deposits, or checks, offering flexibility in how you use your rewards.
- Citi® Double Cash CardCheck Here
Citi® Double Cash Card - - Earn 2% cashback on every purchase — 1% when you buy and 1% when you pay, offering one of the most straightforward cashback options.
Pros
- 2% Cashback on All Purchases: With 1% cashback when you buy and 1% when you pay, this card offers a competitive 2% cashback rate on every purchase with no spending limits or rotating categories.
- No Annual Fee: No annual fee means you get to keep more of your rewards.
- Introductory APR on Balance Transfers: The 0% APR for the first 18 months on balance transfers can be helpful for consolidating high-interest debt.
- Easy Redemption: Cashback can be redeemed in multiple ways, including as statement credits or deposits to a checking account.
Cons
- Balance Transfer Fee: A 3% fee (or $5, whichever is greater) applies to balance transfers, which could add up if transferring a large amount.
- No Bonus Categories: While the card offers a strong 2% cashback rate, it doesn’t provide higher cashback on specific categories (e.g., travel, dining).
- No Sign-Up Bonus: Unlike some competing cashback cards, the Citi® Double Cash Card doesn’t offer an introductory bonus for new cardholders.
Key Features
2% Cashback on All Purchases: 1% when you buy, 1% when you pay.
No Annual Fee: No fee to carry the card.
0% Intro APR for 18 Months: On balance transfers, then a variable APR applies.
Flexible Cashback Redemption: Redeem for statement credits, checks, or direct deposits.
No Annual Fee: No fee to carry the card.
0% Intro APR for 18 Months: On balance transfers, then a variable APR applies.
Flexible Cashback Redemption: Redeem for statement credits, checks, or direct deposits.
Why Is Recommended
The Citi® Double Cash Card is ideal for those looking for a simple, high-value cashback card. With 2% cashback on every purchase and no categories to track, it offers a straightforward way to earn rewards. The card is especially recommended for individuals who don’t want to deal with complicated reward structures or spending limits. Additionally, the intro APR offer on balance transfers is a helpful feature for those looking to manage existing credit card debt. With no annual fee and solid cashback rewards, this card offers great value for everyday spending.
9.
Amazon Prime Rewards Visa Signature Card
The Amazon Prime Rewards Visa Signature Card is a credit card designed for Amazon Prime members, offering cash back on Amazon purchases and other everyday expenses. It provides robust rewards in key categories such as Amazon and Whole Foods shopping.
5% Back at Amazon and Whole Foods: Earn 5% back on Amazon.com and Whole Foods Market purchases.
2% Back at Restaurants, Gas Stations, and Drugstores: Earn 2% back on dining, gas, and drugstore purchases.
1% on Other Purchases: Earn 1% on all other purchases.
No Annual Fee (with Amazon Prime Membership): No fee if you're already a Prime member.
2% Back at Restaurants, Gas Stations, and Drugstores: Earn 2% back on dining, gas, and drugstore purchases.
1% on Other Purchases: Earn 1% on all other purchases.
No Annual Fee (with Amazon Prime Membership): No fee if you're already a Prime member.
- Amazon Prime Rewards Visa Signature CardCheck Here
Amazon Prime Rewards Visa Signature Card - - Earn 5% cashback on purchases at Amazon.com and Whole Foods Market, 2% on dining, gas, and drugstore purchases, and 1% on all other purchases .
Pros
- High cash back rate on Amazon and Whole Foods
- No annual fee for Prime members
- Visa Signature benefits (travel, protection, etc.)
- No foreign transaction fees
Cons
- Requires an Amazon Prime membership
- Limited to Amazon and Whole Foods for the highest rewards rate
- Higher APR compared to some other rewards cards
Key Features
5% cash back on Amazon and Whole Foods
2% back at restaurants, gas stations, and drugstores
Visa Signature benefits
No annual fee with Prime membership
2% back at restaurants, gas stations, and drugstores
Visa Signature benefits
No annual fee with Prime membership
Why Is Recommended
Recommended for Amazon Prime members who shop frequently on Amazon or at Whole Foods. It's a great card for maximizing rewards on Amazon purchases while offering strong cash back on other categories.
10.
American Express Blue Cash Preferred
Earn cashback rewards on everyday purchases, especially groceries and streaming services.
Use the card anywhere American Express is accepted.
Use the card anywhere American Express is accepted.
High cashback on groceries: Excellent for families or individuals who spend a lot on food.
Streaming cashback: 6% on select streaming services.
Introductory bonus: $250 cashback after spending $3,000 in the first 6 months.
Purchase protection: Extended warranty and purchase protection benefits.
Streaming cashback: 6% on select streaming services.
Introductory bonus: $250 cashback after spending $3,000 in the first 6 months.
Purchase protection: Extended warranty and purchase protection benefits.
- American Express Blue Cash PreferredCheck Here
American Express Blue Cash Preferred - - High cashback rates on online shopping and streaming services.
Pros
- Great rewards for grocery shoppers and streaming services.
- High cashback rate on common expenses like groceries and transit.
- $0 annual fee for the first year.
Cons
- $95 annual fee after the first year.
- Categories like grocery spending are capped at $6,000 annually.
- High APR for balances carried over.
Key Features
6% cashback on select US streaming subscriptions (eg, Netflix, Hulu).
6% cashback on up to $6,000 spent annually at US supermarkets.
3% cashback on transit, taxis, parking, and public transportation.
1% on all other purchases.
$95 annual fee (after the first year, which is $0).
6% cashback on up to $6,000 spent annually at US supermarkets.
3% cashback on transit, taxis, parking, and public transportation.
1% on all other purchases.
$95 annual fee (after the first year, which is $0).
Why Is Recommended
Perfect for individuals or families who spend significantly on groceries and streaming services. The strong cashback rate, coupled with the introductory bonus and perks, makes it a solid choice for everyday spenders.
Conclusion
Choosing the right Best Buy credit card depends on your shopping habits and financial goals. Whether you prioritize rewards, financing options, or general cashback opportunities, there’s a card tailored for you. The 10 options listed above represent some of the best choices for maximizing value and enhancing your shopping experience. Explore these cards and find the one that fits your lifestyle.