Choose between 5% back OR 0% interest financing on large purchases (e.g., 12–24 months).

If you miss a payment on a financing plan, you're charged interest from the original purchase date.

Rewards are issued as "Reward Certificates" for Best Buy only—not cash back.

You are planning a major home theater or appliance upgrade and can pay it off within the promotional window, or if you spend thousands at Best Buy annually.

Carrying a balance outside of a promotional plan is very expensive.

Best Buy Credit Card Review: Is It Worth It? The Best Buy Credit Card program offers two distinct paths: a (usable only at Best Buy) and a Visa Card (usable anywhere). Both are managed by Citibank. 💳 The Fast Facts Best For: Tech enthusiasts and frequent Best Buy shoppers.