Credit Cards » Best Buy®

Best Buy® Credit Cards Alternatives

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.

Alternative Credit Cards for Best Buy Shopping and more

  • Find out if you Pre-Qualify without harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your Experian credit score online for free, terms apply
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A19.15% - 25.24% Variable$0 - $99
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/aSee Terms$0
  • See if you Pre-Qualify without harming your credit score
  • This unsecured card requires no deposit and can help build your credit
  • Track your progress with free online access to your Experian credit score, terms apply
  • Build your credit history—we report to the credit bureaus monthly
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Enjoy the flexibility to choose your payment due date, terms apply
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • No need to fret—you’re covered by $0 Fraud Liability
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A19.15% - 25.24% Variable$0 - $99
  • 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.
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.