My Best Buy Credit Card Review 2025 | Worth It or Leave It?

Описание: The My Best Buy Credit Card solves the pain point for tech enthusiasts and frequent Best Buy shoppers who want substantial rewards on gadgets, appliances, and electronics, offering up to 10% back on your first purchases within 14 days and 5% back ongoing. Flexible financing for large purchases is an added perk, making it easier to afford big-ticket items, and there is no annual fee with the basic versions of the card. But this card also comes with major caveats: the deferred interest financing means you must pay off the full amount in the promotional window to avoid interest charges from the original purchase date, and you have to choose between rewards or financing—not both for the same buy. Rewards are only redeemable as Best Buy certificates and can expire if unused, so their flexibility is sharply limited. The sky-high regular APR of 31.49% punishes anyone who carries a balance, and there’s a lack of a traditional sign-up bonus or premium perks. For those seeking rewards they can use anywhere or more robust benefits, a general cash back card may serve better. Just how risky is the fine print behind this attractive rewards card? The ending holds the answer you can’t afford to miss.

Pros:
10% back on Best Buy purchases (first 14 days), then 5% ongoing
Flexible financing options for large purchases
No annual fee on most card options
Two versions: Visa (usable anywhere) and Store Card (Best Buy only)
No foreign transaction fees on Visa version

Cons:
Deferred interest financing can be costly if not paid off in time
Cannot combine rewards and financing on the same purchase
Rewards are only redeemable as Best Buy certificates
Certificates can expire if not used promptly
High variable APR (31.49%)
No traditional welcome bonus or premium benefits

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