Looking for the best way to shop on Best Buy? Use the Best Buy Credit Card Cash Back to gain automatic access to My Best Buy rewards program. Shopping with the card gives the cardholder a discount on expensive items and free shipping options. Frequent shoppers even get more discounts and offers as their status can be upgraded to Elite and Elite Plus.
Cardholders also get 5% cash back on purchases with an interest-free financing on certain items. Make the best out of your shopping with Best Buy Credit Card and buy the best with ease and no annual fee attached.

Best Buy Credit Card Cash Back

Best Buy Credit Card Cash Back Costs & Fees

  • Annual Fee – $0
  • Regular APR – 25.24% (Variable) or 11.90% (Variable) on select purchases only.
  • Regular Balance Transfer APR –N/A
  • Cash Advance APR – N/A
  • Foreign Transaction Fee – Only usable at Best Buy and BestBuy.com
  • Penalty APR –None.
  • Late Fee – Up to $38.
  • Returned Payment Fee – Up to $38

Best Buy Credit Card Cash Back Rewards

  • Earn 5% cash back on purchases with Best Buy Credit Card Cash Back.
    Or
  • Get interest-free financing
    6-month financing on purchases of any items of $199 or more
  • 12-month financing on purchases of any items $399 or more
  • 18-month financing on major appliance purchases of $599 or more
  • 24-month financing on home theater purchases of $799 or more
  • You also get a 5% cash back bonus on your first purchase with the card, for a total of 10% cash back on that purchase.

Note: if you do not pay back the entire purchase balance in full by the end of the term, you’ll be charged interest going all the way back to the purchase date. If this happens, it will make your purchase much more expensive, so it’s better avoided.

How to Apply for the Best Buy Credit Card Cash Back

  • Visit Best Buy.com and create an account.
  • Proceed to the card application page and fill out the application by providing the following information.
  • Your email address, full name, home address (no P.O. boxes permitted), phone number, annual income, monthly mortgage or rent payments.
  • Also provide your date of birth, social security number, drivers license or government-issued photo ID number and the expiration date of your photo ID.
  • Select the Best Buy Credit Card Cash Back. Agree to interest rates and fees.
  • Wait for your new card.