I'm thinking of getting the best buy card so I can pay overtime because I have a large university purchase but idk if it's worth it.

I'm thinking about applying for this card as Best Buy is a retailer I visit semi-frequently. I was wondering how people who do have the card have been liking it or why people avoid it. To me, it seems like a somewhat better version of the Apple Card, since you get 5% back at Best Buy, 3% back on gas, and the flexibility to finance more than just Apple products. What do you think?

I rarely use my credit cards but when I do, I pay it off every month because I enjoy being a "dead beat."

I only opened up my Best Buy credit card to finance a high-end TV back in 2018. Once I paid it off, I totally forgot about it and haven't used it since.

I recently got an e-mail from Citi & Best Buy that the account was closed (I'm assuming due to inactivity). As a result, my credit score went down to 807.

My question is, wouldn't they have at least notified me that they were going to close it? If I had been given the warning, I would have least used it sparingly to keep it active.

Or maybe it is?

3% on gas is pretty crazy no? And random to be honest and 5% of best buy , which adds up to a lot of you buy all your tech there and even appliances

I'm planning on purchasing a PC and I would have to pay $50 monthly is that worth it?

I'm about to buy a laptop from Best Buy and was wondering if I should open the Best Buy Visa Card (under Citi Bank) so I can make interest-free monthly payments instead of paying $1k at once. I can afford the full price, but paying in installments would be easier. I hesitate to open the card because I don't think I would make much use out of it besides the monthly payment option for this one laptop.

The card offers 5% back on Best Buy (I don't shop there very often) and 3% back on gas (I don't drive). There's also 2% back on dining, but I think the Chase Freedom Flex would be a better long-term option for cashback, and I would probably have to wait another 6 months to get it if I open the Best Buy card now.

So would it be worth it to open a Best Buy card just for the monthly payment benefit?

So I’ve had one credit card from Navy Federal since I turned 18. I’m 24 now and my credit has been at 700 for the past year. I wanted to make a big purchase of a new computer for my girlfriend for her birthday and don’t want to make the purchase out of pocket (while I can afford it.)

As I’m at Best Buy a couple times a year making decently sized purchases, I have been considering the store card. I’m not irresponsible enough to make any purchases with the card that I couldn’t afford myself, so I am thinking paying off the Best Buy card would help my credit out a bit.

Then again, I know very little about credit and credit cards so any advice would be helpful really.

I plan on buying an iPhone, apple watch, maybe airpods (and some other tech things) over the next year. Best buy carries all the apple products and has financing available so I am leaning towards it. I can also buy other things at best buy. I will be moving to a new apartment. I'm not really looking for the cash back or rewards as I'd rather have the financing.

I do have 2 cards already that has rewards: capital one savor (3k limit) and chase freedom unlimited (1k limit). I don't plan on opening any cards after this for a while. So should I get the best buy credit (not store card) or are there better options available? Should I consider the apple card?

Just got an email about my new Best Buy "VISA" card upgrade. It was just a charge store card for more than 5 years. Has this happened before to ya'll? I checked my credit reports and I have no new credit checks, and the credit line that was there has changed name, but all the payment history is still there and the balance/limit is still the same.

Strange - I didn't think they could just go and do that but maybe they're trying to bank on me using the VISA part of it to possibly make more money off of it? I've never paid interest to the card ever.

I’ve been considering upgrading my TV to a larger and better model recently and I want to use my employee discount lol. I’ve never owned a credit card in my life and have been considering getting one recently (for other reasons than a new TV as well) and I just wanted to hear some other opinions and thoughts before I commit. I want to build up a new credit score. Does anyone working at Best Buy actually have one? Do you like it or is it just a scam?

I’m trying to get a school computer from Best Buy and I’d like to pay it off monthly instead of paying such a big sum rn. I’m not too diversified in how credit cards like this work. Is it good? Should I just hold off and save the money up? How exactly would the payments look like?

I wish they taught things like this in school :/ I have absolutely no idea how any of this works

If you are any sort of techie, or gamer. This card is absolutely a must have. I had no idea how useful it is until we opened it.

We originally opened it for the 10% back first day purchases since we were buying all new appliances. immediate $300 rewards for 3k in appliance purchases. Sweet nice bonus but figured that'd be the end of our usage of this card.

What we didn't realize is the CONSTANT offers you get for lucrative rewards. It feels like every few months we get an email for a "spend ~$30 dollars 4 times and get $50 rewards" offer, which is enough to pay for (most) of a videogame.

Also they have rotating categories and extra points offers (8% on gas and 5% chosen categories this month) ! The general rewards are okay. (5% at best buy, 3% gas, 2% dining/grocery, 1% everything else), but I mainly only use it when the special offers come in for a guaranteed discount off my next videogame purchase. 0% annual fee as well!

I'll start by saying that I am a techy, and I spend at least 2 -5k at Best Buy each year, however, I still recommend this to non-techy friends and family. I also have the following cards right now: Chase Flex, Preferred, Discover It, AMEX BCP, and a few low-APR credit union cards.

This card has amazing offers, starting with 10% on the first purchase, and 5% after the first day. There are also 0% interest finance plans for Best Buy purchases, from 6 months up to 24 months available(I've purchased gift cards for other stores and used the finance offers) From what I can tell, there's been no limit to how many no-interest plans you can set up(currently have 14 different plans), which Chase and others limit you to 10.

My second favorite perk for points back, year-round: 3% gas, 2% groceries, 2% dining and takeout, 1% all other

The third biggest perk is there are bonus quarterly categories for 5% back that you can activate. Categories you can choose from vary every quarter, this quarter you can activate 1 of these: clothing, wholesale(VISA so works for Costco), home improvement, travel gas, dining, or utilities.

This is random but a cool surprise when it happens, randomly they have "spend and get" offers, which is like spend $200 in October and get a $20 rewards certificate. This is on top of the already 5% back,

For being a no fee card, this is easily one of my top card that gets me the best % to spend back.

I understand it's not for everyone, but if you buy tech yearly, or if they sell giftcards that you can use, this is a must-have card to have, especially if you can't use Mastercard at certain stores.

Edit: took out the mention of 4.99 APR as a perk(it exists, just not a "perk" people should be using to carry a balance). I personally still see it as a perk for true emergencies where savings isn't enough to cover it(once a 10/20 year emergency)but it's not a popular opinion.

Edit: I understand the difference between deferred interest and 0% interest.

Purchased a new Nikon Z8 at Best Buy on sale over the weekend, selected the 12mo 0% BB financing and the nice sales associate told me that if I called customer service after it cleared and asked for 24mo, I could get it extended. Called this morning and had no issues quickly getting it. Just wanted to point this out for anyone who might be thinking about a big purchase, or who has made one recently.

So, I have a Best Buy credit card, and I bought something with a 12-month interest-free promotion. The original amount was around $1,200. I paid most of it off and had about $100 left as the promotional 12-month period came to an end. A couple of months later, I bought something else for around $150, which didn’t have a promotion.

I was shocked to find that I was charged $653 in interest in last past month. Did they charge me interest on the full original amount of $1,200, even though I had already paid off more than 90% of the balance? My parents told me that’s what happened, but I was in shock and wanted to confirm. This is the only store-specific credit card I’ve ever opened. Also they won't keep charging me this amount each month right?

does anyone know if i can use my best buy visa card anywhere that accepts visa and still pay stuff off in a certain amount of time interest free

I applied for a Best Buy credit card and was approved. I didn’t know by just applying and being approved means they’ll just send you a card in the mail? I don’t necessarily want a credit card with them, I was just curious if I would be approved. They sent me an email saying “your card arrives in 7-10 business days”. Do I need to call them to close it? Is an account opened or are they just sending me a card? If I do have to close this account, will it affect my credit score? I feel so stupid because I’m new to all this credit stuff. Thanks in advance!

I am in need of a new laptop and have been wanting to buy a MacBook Air for years now, and I finally have the income to afford it. If I apply for a Best Buy credit card to finance the device ($100ish a month for 18 months with no interest if paid timely) and then cancel after paying the device off, will that affect my credit score? It is way cheaper than doing the same process through Apple. I have had a discover card for a little while now and have never missed a payment. I need a new device and want to make a conscious decision while I can afford it. Any insight is appreciated.

This is an Excellent promo if you want to upgrade your tvs, laptops, soundbars. Etc. It ends on the 3rd!

Hello, so about a month ago I opened a best buy credit card on a whim because of something I wanted to purchase for $1000 and i wanted to pay it off gradually wiith no interest for a year. I ended up paying for that item in full because it was over the $1000 credit card limit that best buy card has.

Recently I discovered that this card has a yearly fee of $60 even tho I thought I got the one with no yearly fees. My credit score is at 710 and I have a different credit card with my bank which it had for around 3 years so this isn't my first credit card. Now I'm not sure if closing down this card is the best option since it could affect my credit score or should i apply for a different best buy card that has no yearly fees and keep it. The $60 yearly fee payment is due on april 4th and i really don't want to pay it since I haven't even used the card for anything and i don't think i even will.

Should i close down the credit card or are there better options in this case? If i close down the card witll i still have to pay the yearly fee thats due on april 4th? Looking for advice.