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My Best Buy Credit Card

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About

The electronics retailer Best Buy offers the My Best Buy credit card for consumers that want to take advantage of a special financing offer, or those that like to gain extra points on purchases. This is the basic credit card offered through Citibank, which also offers a Visa version that gives customers an account with more financial leverage. See how the Best Buy store credit card compares to the Visa Platinum and Gold.
Originally called the Best Buy Reward Zone it was renamed to the My BB after the retailer re-branded it's rewards program.

Annual Percentage Rate (APR)

Purchases APR: 25.24%
24 Month Credit Plan: 0% to 11.99%
48 Month Credit Plan: 11.90%
36 Month Credit Plan: 8.99% to 12.99%
Minimum Interest Fee: $2.00

Finance Offers on Select Products

  • 12 Months on all purchases when you spend at least $299
  • 18 Months for storewide purchases of $499
  • 24 Months on appliance purchases of $999 and above
All finance offers give 0% interest for the stated amount of time.

Credit Card Fees

Like most store credit cards this one has No Annual Fee
Up to $40.00 Late Payment Fee

Sign-up Bonus and Benefits

Receive 10% in rewards on your first purchase unless you choose a finance offer.
  • Earn 2.5 points per dollar spent
  • Exchange 250 points for a $5 gift card
  • Free shipping when you spend more than $35
  • Earn extra points by checking the Best Buy app at participating stores

Resources

Apply Online or In-store
Issuer: Citibank, N.A.
Where Can I Use This Card? At all Best Buy locations and over the Internet at Bestbuy.com
Pay Your Bill Online

Editor review

Looking to make a big purchase at Best Buy? Their credit card's financing offer is the only reason to apply for it.
Overall rating 
 
2.3
Interest Rate (APR) 
 
2.0
Fees 
 
3.0
Rewards 
 
2.0
Steven Merkel Reviewed by Steven Merkel March 08, 2016
#1 Reviewer  -   View all my reviews (25)

Looking to make a big purchase at Best Buy? Their credit card's financing offer is the only reason to apply for it.

Do You Recommend This Credit Card?

No
This credit card is sub-par at best. The greatest aspect is the initial finance offer with a large purchase. Customers can choose to receive 0% financing for 12 months on purchases above $399 anytime.
The shopper that is looking for a financing offer for a big purchase, or the avid consumer that buys video games and electronics exclusively at Best Buy.

Is The Interest Rate Competitive

When compared to other store credit cards the My Best Buy interest rate at 25.24% is below average. This comes as a bit of a surprise as the rewards offer nothing new that would justify a higher than average APR.

How Do You Like the Rewards

When you sign-up for this credit card you are given the basic My Best Buy rewards, which gives you 1 point per dollar spent. The credit card gives an additional 1.5 points per dollar spent on in-store and online purchases. Points are automatically converted into $5 gift cards at 250 points unless the account holder chooses to turn off automatic redemption's. Gift cards are valid only at Best Buy stores and their website.
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