Credit Cards » Best Buy® Credit Cards

Best Buy® Credit Cards

Best Buy has various financing plans and credit cards with reinvented Reward Zone program. You can take advantage of My Best Buy™ Credit Card or My Best Buy™ Credit Card Preferred. As a cardholder of My Best Buy credit card you will receive 1 base point for $1 spent on purchases. For the My Best Buy points you will receive reward certificates to use as coupons for discounts off future purchases at Best Buy retailers.

Credit Cards for Best Buy Shopping and more

BEST for FAIR Credit
  • Unlimited 1% cash back gas rewards.
  • Get pre-qualified without affecting your Credit Score.
  • Start with a $0 intro annual fee for the first year; $19 after that.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is lost or stolen.
  • Use online banking to access your account - even from your smartphone with our mobile app.
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you.
  • Get access to your account 24 hours a day, 7 days a week.
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Average / Fair / Limitedn/an/a24.9% (Variable)$0 intro for first year;
$19 after that
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 150,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Fingerhut.com Site for Terms & Conditions.
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a24.90%$0
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories and no sign ups needed to earn cash rewards.
  • Redeem the cash back you earn for any amount, any time.
  • Cash back doesn′t expire and there′s no limit to how much you can earn.
  • 0% intro APR on purchases until September 2015; 22.9% variable APR after that.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is ever lost or stolen.
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Average / Fair / Limited0%
(until
September
2015)
0%
(until
September
2015)
22.9% (Variable)$39
  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars± and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power.±
  • 5% cashback in categories that change each quarter up to the quarterly maximum after you sign up for 5%. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for paying late, no overlimit fee and no foreign transaction fee.±
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text and never responsible for unauthorized Discover card purchases.
  • 100% U.S. - based customer service - day or night.
  • ±See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0%
(14 months)
0%
(14 months)
10.99% -
22.99% Variable±
$0
  • No annual fee.
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.
  • Use the points you earn like cash to pay for almost any purchases you´ve made.
  • No redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score.
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / Averagen/an/a24.99%* (Variable)$0
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a0.00%See terms

Smart Financing in Reward Zone

Best Buy is one of the American public companies, which offers consumer electronics in the U.S., Puerto Rico, Mexico, Canada and China.

As any big retailer, Best Buy offers different membership benefits, including credit cards. Amid different credit plans, the company has one with reinvented Reward Zone program: My Best Buy Credit Card and My Best Buy Credit Card Preferred. Both cards are issued by Citibank, N.A.

Both My Best Buy credit cards allow you to earn points on qualifying purchases. As a My Best Buy member you will get 1 point for nearly every dollar spent at Best Buy or BestBuy.com. When you hit 250 points you'll receive a $5 reward certificate, which you can use on virtually anything you purchase at Best Buy. Except reward program, there is one more common thing for both credit cards: the cards do not charge an annual fee.

Best Buy credit cards are store branded credit cards, which means you can use it at Best Buy only. However, My Best Buy Credit Card Preferred is a MasterCard credit card and can be used anywhere MasterCard is accepted. This is very convenient option when you want a store branded credit card but still use it to make purchases with other retailers. It should be noted that bonus points will accrue only if you purchase at eligible retailers.

My Best Buy is a place where you can manage your account online, pay bills, check balance, view recent transactions and see special offers. You can also enroll in email and mobile alerts, and receive paperless statements.

± Click apply for Terms & Conditions.