Best Buy Card Credit Card May 2026

Cardholders must choose between earning rewards or using promotional financing for each purchase; you cannot do both simultaneously. Standard Reward Rates : 5% back (2.5 points per $1). Elite Plus members can earn 6% back. Gas Stations (Visa only) : 3% back (1.5 points per $1). Dining & Grocery (Visa only) : 2% back (1 point per $1). Other Purchases (Visa only) : 1% back (1 point per $2). Introductory Offers

: Some sources report a limited-time bonus of 15% back on the first day of purchases for approvals through May 3, 2026. Promotional Financing Options best buy card credit card

: Larger purchases, often $1,499+ or specific categories like home theater. Cardholders must choose between earning rewards or using

: Ranges from approximately 14.24% to 30.74% , which is significantly higher than the national average. Late Fee : Up to $41. Foreign Transaction Fee : 0% for the Visa version. Expert Comparison My Best Buy® Credit Cards | Citi.com Gas Stations (Visa only) : 3% back (1

: An "open-loop" card accepted anywhere Visa is honored.

If the balance is not paid in full by the end of the promotional period, interest will be charged retroactively from the original purchase date at the standard variable APR. Key Fees and Interest Rates (April 2026)