: Choose 0% APR financing for 18 to 24 months on qualifying large purchases instead of earning rewards. Ongoing Reward Rates
: You must choose either rewards or financing for each purchase; you cannot receive both on the same transaction.
: Standard reward rate on qualifying Best Buy purchases. 3% Back : On gas station purchases. 2% Back : On grocery, dining, and takeout purchases. 1% Back : On all other everyday purchases. Important Terms to Note best buy credit card special offers
The is currently offering 15% back in rewards on your first day of purchases when you apply and are approved by May 3, 2026. Alternatively, new cardmembers can choose special financing options instead of the initial rewards bonus for large purchases. Introductory Offers (New Cardmembers)
: Earn 15% back in rewards on all qualifying Best Buy purchases made on your first day within 14 days of account opening. : Choose 0% APR financing for 18 to
: Financing offers often use "deferred interest." If the balance isn't paid in full by the end of the 18–24 month promo period, you will be charged interest on the full original amount at the standard variable APR (currently 30.74% ).
: Get 20% back in rewards on KitchenAid major appliances on your first day of purchases (offer valid through April 29, 2026). 3% Back : On gas station purchases
: Points are issued as Best Buy reward certificates (e.g., 250 points = $5 certificate), which typically expire after 60 days once issued. Best Buy Credit Card: Rewards & Financing