![]() ![]() You'll get:ĥ% back on all purchases at Best Buy (2.5 points per $1 spent).įlexible financing options (more on that below).īut the Visa version of the card goes a lot further. (You'll need at least 250 points toįor shopping at Best Buy, the rewards offerings are the same on either card version. You then turn those points into Best Buy rewards certificates: Every 250 points earns you a $5 reward certificate, giving the points an effective value of 2 cents apiece. Rewards rates are decent, but redemption is clunkyĬarrying any of these credit cards means joining the My Best Buy shopper loyalty program, as rewards are earned as points in that program. When a card is available both with and without an annual fee, the version with the fee is easier to get for people with middling credit, since the fee offsets some of theĢ. Store cards are easier to get than open-loop cards, which is why many people with fair or average credit start with a store card. But its offerings suggest you can qualify for at least some version of the card with less-than-great credit. What credit score do I need to get a Best Buy Citi credit card? Best Buy doesn't specify a credit score range for eligibility. The determining factor in which version, if any, you get approved for is your creditworthiness. If you don't qualify, you're then considered for, in order, the My Best Buy Credit Card (store card) and finally the My Best Buy Visa Gold (with annual fee). This version has an annual fee of $59.Īccording to Best Buy, when you apply for a card, you are first considered for the My Best Buy Visa Platinum (open-loop, no annual fee). When you submit your application, Best Buy will tell you which one you've been approved for: This card comes in two versions, with the only significant difference being the annual fee. This is an "open-loop" credit card, accepted anywhere that takes Visa. There is no annual fee.īest Buy Citi Visa. This is a "closed-loop" store card, meaning it's accepted only at Best Buy and. You can apply in-store or online for a Best Buy Citi credit card, but the process is a bit opaque, and you don't have any control over which version of the card you get. Here are five things to know about the Best Buy credit card. How do I contact Citibank Best Buy credit card?īut rewards are redeemable only at Best Buy, and while the cards offerĭeferred-interest financing for certain purchases, a true 0% intro APR offer would be a safer bet in most cases. Plenty of other rewards credit cards offer more versatile and flexible incentives.How do I pay my best buy credit card bill?.Can I pay my credit card bill over the phone?.If you’re not a die-hard Best Buy shopper, you can do better Deferred interest may be an option … but it comes with potential risk Rewards rates are decent, but redemption is clunky There are two basic Best Buy credit cards ![]()
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