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

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

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?

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’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

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 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?

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?

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 am a big fan of Best Buy stores and services, but the Best Buy Credit Card is a big no. Reaching a real person in customer service is a nightmare. Eventually, when I was talking to customer service, the lady wasn't able to find my transactions—a very simple thing I am asking for because my balance is way over my transactions. She tried for 10 minutes, put me on hold, and guess what? She hung up! Plain wrong, extremely disgraceful service. Even though it may affect my credit score, I am going to close this account. I didn't expect this from anything associated with Best Buy because I like Best Buy and its services. Very disappointed.

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?

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.

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!

So I opened a best buy credit card in hopes to get my credit score higher, I already have a pretty high score but I opened it because its recommended to have multiple lines of credit and I only have 1 as of right now not counting the best buy card. Anyways I opened it and got approved for $1000 and I purchased a $550 item. How should I go about paying this to assure I get the best possible outcome. (I have 12 months to pay off the item) Was this a bad move, I currently keep my credit utilization to 2% and I definitely went a bit over for this but im not sure if this was the correct move or not. I literally bought the item cash the first time returned it then went back and bought it again but opened the credit card to pay it instead.

only posts i can fnd are from 2 or more years ago. isn't interest on these new credit cards stupid insane? my gut is to opt out and keep using my card for in store purchases.

also my current card is Citi and my only Citi card i have other Visa credit lines and it would be nice to have my credit history coming from different brands no?

are there any perks that i might not be aware of that i should know about a bestbuy visa?

i usually hover around seven twenty

EDIT: i use the current store card for 12 month interest free payments, i see no mention of this on the visa card.

Hi all, quick question. I got the best buy credit card because I bought a laptop from Best Buy. However, I'm thinking of returning the laptop. Will cancelling the credit card hurt my credit score? It's been open for a month. If it does hurt the score, to what extent does it affect?

Thann You.

I am about to buy several major appliances at BestBuy. I am not financing them. Is it worth getting a BB credit card for the points "pseudo cashback"? What caveats / fine letter should I consider? Thanks!

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.