The Best Buy Credit Card Review

For many electronics enthusiasts, a Best Buy credit card offers some nice perks and rewards. Before applying, read this to figure out if there’s a place for it in your wallet.

These days, the price of staying up to date on current technology doesn't come cheap. If you want the latest and greatest in a smartphone, video game system, computer, or some other high tech gadget, you might find yourself visiting your local Best Buy store more often than you do a friend or family member, or even a favorite leisure activity, like the gym.

Loyal Best Buy customers are surely familiar with being invited to open a Best Buy credit card account when they check out and though you might be tempted to just pay for your purchase, race home, and enjoy its new bells and whistles, you might be wise to consider a Best Buy card, because they're chock full of rewards and exclusive discounts.

Best Buy offers two different types of credit cards: A store credit card, for use only at Best Buy, and a Visa-branded credit card that you can use at any merchant where Visa is accepted. Each card gives you a discount on Best Buy purchases as well as access to certain zero interest financing options.

So how do you know which card to choose?

The results of your application will show you what options are available to you. This could be anything from the My Best Buy Store Card all the way up to the Platinum My Best Buy Visa Card, along with the My Best Buy Preferred Visa and the My Best Buy Gold Visa as other options—all depending on your creditworthiness.

Folks who only shop at Best Buy every now and again, such as holiday shoppers, would be better off choosing a more versatile rewards credit card, if they can qualify for one. But for frequent Best Buy shoppers, the serious discounts and rewards points you can rack up no matter which card you end up with are worth taking advantage of, as long as you pay off your balance in full every month to avoid costly high interest fees. And be sure to note when your zero interest promotional period comes to an end!

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Editorial Note:

Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.