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.

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’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?

My son was approved for a Citi Best Buy Visa, $4000. On the link he clicked and which is still on the webpage www. bestbuy. Com. Page shows 10% points reward bonus on your first purchase when you open a Best Buy Visa. We verified this with CSR and he proceeded to make a large electronic purchase. He was awarded his base points of 5% and we waited and submitted multiple trouble tickets only to be transferred to offshore reps who kept repeating a script that all the points were in the account. The Citi CSR transfer him to offshore call center where they tell him he did get his points. The points only reflect the standard 5% reward.

It’s been 4 months today and he still hasn’t gotten the 10% Best Buy rewards bonus for his first purchase on Citi Best Buy Visa.

BBB or CFPB? Citi Office of the President? Not sure where to file a complaint since the Best Buy rewards program might be independent of Citi but Citi‘s website shows the 10% bonus for new visa account holders.

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

Is the best buy card worth it? I don't shop a ton there I'm just not sure how store cards work.

So I really want to get a Sony a7iii to start a photography business, so I wanna know if I should get the Best Buy credit card in order to pay monthly and not pay $2k upfront.

The thing is I’m a month and a half into building my credit, so I think I should wait I just want to hear someone’s opinion on the card

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’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 don't care to read my long gripe below, just know that Best Buy (BB) is really really bad at honoring its Rewards promotions or looking into a legitimate claim, which has resulted in losing me as a credit card holder and a customer in general. I recommend staying away from the BB credit card.

BB acquired Yardbird, the outdoor furniture company, in 2021. Of course, the Yardbird website prominently promotes the BB credit card, with an offer of $5 rewards per $100 spent at Yardbird. The BB website also showed another bonus rewards offer for the first purchase made with the card.

I could have (sigh, should have) used my BofA Cash Rewards card, but the BB offers were enticing. I should have known better...

I applied, received the card, bought the furniture on the Yardbird website in August. I was expecting to get over $250 in rewards.

After two billing cycles, no rewards show, so I call BB. The customer service phone tree has no option for rewards problems. I get regular customer service, and I have to explain the issue. The rep has no idea that BB owns Yardbird and tells me to call Citi.

The Citi rep says rewards are a BB issue. I call BB back and have to explain again to another rep who doesn't know that BB owns Yardbird.

Second BB rep says the purchase doesn't qualify for the $5/$100 spend reward and transfers me to.... Citi. This Citi rep is borderline rude in telling me it's NOT Citi's problem.

Third BB rep, who says she doesn't see the purchase, but finally opens a case and says I'll hear back within a week.

A week goes by and nothing. I call and have to explain everything again to a fourth BB rep, who says they don't see anything in my account, so they open another case.

Weeks go by and nothing. So I call again and yet another BB rep. says he'll open a case.

Come January. Still nothing. It's been four months since the purchase. I finally send an email to Corporate and someone actually calls me! ... at 7 am on a Sunday morning.... Grrr....

I'm asleep so I don't get to talk to her, but she also sends an email. I respond to the rep's email with a detailed explanation, including showing the credit card charge, screenshots, etc...

The Corp rep.'s response: no bonus rewards because the purchase was not a "qualifying Best Buy purchase." Mind you, the Yardbird website doesn't define "qualifying Best Buy purchase."

Another month goes by with multiple back-and-forth emails and she insists my purchase doesn't qualify.

I'm completely frustated and just then, I get a direct email solicitation as a BB credit card holder to "shop at Yardbird" with the exact same promotion that's listed on the Yardbird website. I email that Corp rep again asking why my original purchase doesn't qualify when I'm being actively solicited to spend at Yardbird with the exact same reward terms.

In March, seven months after my original purchase, the Corp rep finally gives the $155 in rewards that I should have received in the first place (she says that the additional bonus was not applicable because I applied for the card one day too early - I wanted to argue this point, but I didn't have the screenshots).

No apologies for denying my rewards. No apologies for being wrong. No additional rewards as a courtesy for having to repeatedly contact them.

I hadn't cancelled the card yet because I wanted to make sure I got my rewards and didn't want them to make up some BS excuse about not still being a cardmember. But this entire experience is a guarantee that I'm canceling the BB card and a guarantee that after I use my credits, I'm never shopping at BB again.

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.

My experience with the Best Buy credit card has been horrendous to say the least. Here are the reasons why it is terrible:

1. I am able to log onto the regular best buy account with no issue, but once you try to log onto the credit card side, it has SO many technological issues. I would enter my credentials in multiple times and it wouldn't even recognize my log in attempt but instead go to a blank screens. I tried calling the customer service and IT team like 20 times for only 2 transactions to just pay off my balance but they don't see my log in attempt and don't know how to fix the issue. I've tried every troubleshooting method (deleting cache/history, going in incognito mode, going on several different devices, going on multiple browsers, etc).

2. Each customer service rep doesn't even know how to fix the issue and tells me different things about what is wrong. They keep saying someone else will call me to fix the issue but ends up never calling me. I'm literally just trying to pay off my card. Even when I try to verify the account, I'm giving them every single information possible to them but they can't verify me without mailing me a code that takes 2 weeks to get to me rendering my ability to pay off my card in time.

3. It is impossible to connect the card to my CITI bank account - no understanding why?? Keeps saying unable to verify!

I have several credit cards and I know how to use their apps and pay off my cards and set up automatic payments, but for some reason best buy's website just SUCKS and their technology SUCKS.

I know closing my best buy card will affect my utilization score but it is not my longest credit card in terms of credit card age/history. Any tips on how to build my credit back up after closing the account? I'm determined to close it because the card is a MAJOR headache.

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?

I used to get nice offer that gave incentive to spending it outside of Best Buy. (Example: spend $400 outside of best buy you get X amount back. I never get these anymore for some reason.

Is there another good credit card that gives me more than the standard 1$ for outside purchases (outside of the typical gas, groceries, restaurants etc...

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?

As we all know Christmas is CLOSE and my bf wants the new Xbox, I want to get that and a backbone for him but I don’t have the money to just buy it out right so should I get the Best Buy card or just get a credit card to pay it off? I don’t have any credit cards as of rn and I was looking to get one soon anyways. If I do get one what would be the best one to start with?

My score recently dipped to 645. After paying off our cars, we don't have anything on credit.

The wife and I were looking to get gaming laptops, and we have the cash to buy them in full (about $3k). They are actually $250 off until tomorrow.

Best Buy has a 0% APR for 12 mo promotion right now.

I assume chances of getting a "good card" with low APR aren't great with my current score.

Would singing up for the card be a good idea? My plan would be to pay more than minimum every month and pay the remaining balance with our taxes.

Yes, we have the liquidity to buy them, but if I can keep money in savings and raise my score in 6 mos that would be nice.

Also, with the current "macroeconomic conditions" and threats of tariffs going up Nov 1st, along with other tech getting more expensive with time (PC components, PS5, Xbox) combined with the $250 off each laptop and no APR for 12 Mos, I figured this might be the play to make.

FWIW, we were going to wait til Black Friday and buy them cash anyways, but with the costs of everything, especially tech, going up, I concocted this plan while browing the BB app

Thanks in advance!

EDIT: I know generally staying under 30% is good. Would utilizing 100% and paying off in a few months ultimately harm me?

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.

What credit cards don’t get enough love?

Was just browsing Best Buy and thought I’d check out their CC.

5% back in store is standard, but 3% back on gas, 2% on dining and groceries and 1% on everything else.

This is right up there with a lot of cards that seem to be the staples on this page. What other retail cards are out there that don’t get the love?