The promotions change often every month. Right now if you're a member they're doing an extra 5% so you would get 15% back in rewards.

If you shop quite often I would just get the card now and start building up those reward points on the first purchase.

However make sure you turn on point banking when you do so it does not auto generate reward certificates.

Deal link: Best Buy (Check price on Amazon)

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Hi all - I have never posted a deal before I do not believe, but this seemed pretty amazing to me. Obviously, many people already have Best Buy credit cards, so this is YMMV.

apparently for the 7 days before Christmas, if you sign up for a NEW best buy credit card, you get 20% back in gift cards on your FIRST DAY of purchases..

I just bought:

a Macbook Pro 16" ($2279 - with $455.80 coming back in gift cards)

a 77inch LG OLED C4 tv ($1499 - with $300 coming back in gift cards)

a 13 inch Ipad Pro M4 ($1099 - with $220 coming back in gift cards)

and an 11 inch Ipad Pro M4 ($849 - with $170 coming back in gift cards)

$5726 total spent (before tax) - with $1145 coming back in gift cards...

I am going to be returning 2 11 inch Ipad pros that I bought at Sams for $829 each (with supposed cash back from a cash back site that was declined for no reason) and a Macbook Pro 14inch that I had purchased about 3 weeks ago during Black Friday/etc... I am a 50+ yr old PC guy and let me just tell you - I am BLOWN AWAY by the M4 Macbook Pro 14 - so much that I decided to return it and get the 16 inch PRO version for my old eyes. I can now see why Wall Street thinks Intel is in so much trouble.. the Macbook Pros are amazing...

I can't see that this was posted yet (which is very surprising to me).. if it is already up here, I apologize. If not - Merry Christmas - I hope this helps somebody...

FYI (you'll find the details halfway down that link) -

Don't have the Card?

Apply today, shop today.

Credit cards

Biggest offer of the year:

20% back *

in rewards on your first day of purchases, or choose financing, when you are approved for the My Best Buy® Credit Card.

Offer ends 12/25/24.

Apply now

View pricing & terms

Waiting to hear back about your Credit Card application?

Check your application status

*

See disclosure](https://www.bestbuy.com/site/misc/financing-rewards/pcmcat102500050032.c)

It’s not particularly good honestly but if you want 0% on a big purchase, maybe. The issue is that this is like the red card credit card where the issuer decides for you if you get the open loop visa or the closed loop store card.

US Bank Cash+ can get you 5% back in cash at all electronics stores and a second 5% category. You also still get the base 1% back in Best Buy rewards through their rewards program. $200 sign up bonus when you spend $1000 in the first 120 days

Best Buy card only gets 5% in Best Buy rewards and a "sign up bonus" of 10% Best Buy rewards on your first purchase.

ive had the store card for over 10 years. I really like the deferred interest too, thats the reason I got it, so I could guy bigger priced items and pay it over 24 months

If you just want 5% I would would at the US Bank Cash+ card or even one of the Elan cards they offer 5% back at electronic stores

I've had one for 20 years now, and I use it... a lot more than I should. I've bought quite a few large ticket items over the years and sometimes its nice for me to just use that instead of draining a chunk of savings for a new appliance or something.

Never paid them a penny of interest, either. It's currently the only retail card I carry a balance on - they usually have the cheapest prices on hard drives if you shuck the easystores so I buy them in large batches on my card.

I think it’s only worth it if you’re a frequent Best Buy shopper. Otherwise, the rewards and flexibility aren’t really there compared to a general cashback card.

I got one a week or so ago. I wasn't sure how much of a limit I'd get so I wanted to check. To my surprise, you aren't told your limit until you already accepted the terms and activated the card (or at least it wasn't obvious until after the app was accepted), so even though I was just checking my limit/approval and not expecting to formally open an account, I ended up with a card. Thankfully, I used it to buy a 5080 lol. 12 months no interest sounds good to me.

If you're planning on buying something and then trying to return it within those 12 months or whatever, that's not gonna fly with BB lol.

just get a regular credit card with rewards that apply to every purchase. Dont fall for the store card like i did. Although nothing bad had come of having it the card is the very least used one i have.

“can I buy things use them and return before my finance ends and dont have to pay again?” Nope that’s not how financing works.

If you don’t know how credit cards work, you probably shouldn’t have one.

I’ve always enjoyed using the Best Buy card for that 0% interest financing. Assuming we mean the Best Buy Citibank CC, I always use the 0% interest option to make my purchase and then I just do the math for what the monthly payment would be (ie: $3000/24mo = $125/mo) and then lock in my autopay and forget about it. That said, I use the card strategically and ONLY for purchases at Best Buy. It’s also not a bad credit building method.

I currently have a Best Buy card, and have only really used it the one time when I got the card five years ago to pay for appliances and such after building a house. The card is fine and the 0% APR period was great and all, but there are better cards with similar APR periods I wish I had gone with instead. With the said, if you shop at Best Buy a good amount (I don't) and/or plan on other big purchases from there in the future then it might be more useful for you.

real credit cards are better. I have a best buy card and they were stingy with upping the limit. Hard pulls with every upgrade. Mines only $10k when some other cards are $30k+ I do like the 6% back but its basically as gift cards in $5 increments.

watch out for the no interest for 18 months type scam. If you don't COMPLETELY pay it off every dime of interest is instantly charged to you.

Hey there! While I typically agree with the other commenter that store cards are worthless, the Best Buy one is pretty good! It allows you to get 0 interest financing for up to 18 months on your Best Buy purchases, and it's a Visa, so you can use it anywhere.

I'd recommend it

You could also get 6 percent back in store credit I believe. If you don’t use their financing.

You’re already making payments on a small loan.

Avoid making any more installment plans until you pay off your loan.

It’s really easy to over spend when you think oh I can just pay $50 a month for this dope laptop. And before you know it you got too many installment plans. And you’re gonna be deep in interest. Be safe.

The card isn’t bad. I just personally hate Citi Bank 😂

The interest free financing is my favorite part. Otherwise, I’m all Apple Card.

The vast majority of credit cards are perfectly fine if you use them correctly, and don't get stuck paying fees and interest.

No interest financing is always a good thing.

Ive had it for like 4 years and its been pretty good as long as you pay your statements in full. My only gripe is that i wish we could use the citibank app instead of the stupid best buy app to pay our bills.

You get 10% in rewards not purchases within the first 24 hours of getting approved, and has to be paid within 30 days of making purchase. Rewards are certificates that can be used in future purchases.

As long as your credit history is longer than 1 year, you should be good with a FICO 8 score around that range to get the no annual fee cards. Things to know is that Citibank can be sensitive to recent hard inquiries from other banks before applying. It's optimal to have your latest credit utilizations to be under 30% if it's not already and even lover such as under 5% would be the best. You can use the Experian and Credit Karma apps to monitor this. Low utilization will give a boost to your credit score and improve your odds of getting approved and getting a higher credit limit

It’s 10% back in rewards. The rewards will not show up right away, it usually takes a few weeks. You will get rewards for the subtotal charged on the bby card. Edit: the 10% is on your first day of purchases, within a certain time period (I think 14 days correct me if I’m wrong). After your first day of purchases, you get 5% back on in store purchases.

It’s 10% back in rewards, not an instant discount on your first day using a new card.

The rewards can be applied to future purchases.

You would get rewards based on what was actually charged to the card.

You have to choose the rewards instead of the financing. You can’t do both. So if you did financing you won’t get any points or reward certificates.

The membership also occasionally have "quests" for example the recent switch 2 accessories

You now have to choose standard credit, unfortunately.

If the tv was more than 500 dollars, members get a 50 dollar certificate, Your tv has to be more than 299 subtotal to qualify for financing as well but you have to choose the financing option.

If the purchase was done in store, look at the bottom of the receipt and see what it says