The endless beauty of rewards from every dollar spent is why some credit card companies are rated top in their industry. As such, it does not leave Visa Credit Card from Best Buy out. Infant, Visa Card from Best Buy so far is toping as one of the best store-branded credit cards in the United States. This guide will help you to complete your Best Buy Card Login.
However, there is something you should bear in mind. Which is that all credit cards favor a set of consumers. As well as specific spending needs. In other words, Best Buy Visa Card is best in rewarding cardholders for Gas and dining purchases.
Having said the above, My Best Buy® Visa® Card and My Best Buy® Credit Card is exclusively for shoppers who frequent Best Buy stores. It’s so good for store purchases that it rewards cardholders with 5% off every purchase made in Best Buy stores. However, you can redeem rewards for more purchases at Best Buy shops only.
So, the gist is; My Best Buy Visa Card is good if you don’t mind redeeming your rewards on only best buy stores. So, if you are a loyal customer of Best Buy, then the Visa Card is for you.
Is it worth getting a Best Buy Visa credit card?
To begin, seeing that Visa Card from Best Buy has a restrictive reward redemption option. In addition to its high APR (25.24%). It won’t be bad to say that the Visa card is only useful for a select few consumers who don’t mind its rewards structure. Furthermore, Best Buy Visa Card is a good or the best fit for you, if you;
- Shop at Best Buy frequently.
- Have fair credit and you are looking for good rewards.
- Want flexible rewards?
- Don’t pay your credit card bill in full each month.
My Best Buy Visa Card Review
To start with, the Best Buy visa card is accepted anywhere Visa card is accepted nationwide. But more to that is the rewards programs that earn you a cashback percentage on every purchase you make both in best buy stores and outside best buy (5% reward on best buy stores, 2% back rewards on dining, 1% back rewards anywhere Visa is accepted).
Having said that, the Best buy visa card comes in two forms; Visa Platinum and Visa Gold. By the way, Visa cards issued by best buy qualify for a balance transfer, cash advances, 0% annual fee on platinum & $59 annual fee on Gold. With 25.24% APR and a $39 late fee payment.
My Best Buy Visa Card Benefits & Features
To begin with, Best Buy’s credit cards issued by Citibank can be used to shop at all best Buy store locations nationwide. More so, credit cards from best buy are best for electronics shoppers who have built good creditworthiness and good spending behavior.
That said, My Best Buy Visa credit card is an important and potentially powerful tool that can help you reach your financial goals. But you must use your credit card responsibly in order to enjoy its many benefits.
Also, you can apply for My Best Buy Visa credit card and earn points in categories outside of Best Buy stores (like dining, groceries, gas, etc.). Thus, it’s a big win, as most store-branded credit cards don’t offer this. Although, customers redeem accumulated rewards in the form of Certificates like gift cards, which can be used to shop in any Best buy store. Below are the numbers put together;
- First, you earn 2.5 points for every dollar spent.
- Second, cardholders also earn 1 point to dollar on purchases at restaurants, bars, and grocery stores.
- Third, you enjoy 1 point whenever you spend $2 on other purchases.
- Fourth, Elite Plus members are rewarded with an extra 0.5 bonus point when they spend up to $3,500 annually on Best Buy purchases.
- Fifth, new cardholders qualify for a 10% welcome bonus when they make their first purchase.
My Best Buy Visa Rewards – What you need to know
In all of the above-mentioned rewards, cardholders only qualify when they make from their credit card. In other words, it simply means that when you pay from any of the Best Buy financing options, you won’t be rewarded points or bonuses.
How to Calculate My Best Buy Credit Card Reward
To begin with, I know you would want to know what your Best Buy accrued points are worth in redemption terms. To simplify matters, 1 point of Best Buy Credit Card is equal to $0.02 in a reward certificate.
Thus, according to Best Buy reward terms and conditions, when a cardholder accumulates 1,250 points, that is equivalent to $25 in rewards. In other words, you can say that Best Buy’s reward rates are between 1% to 5% and 6% for Elite Plus members.
Best Buy Financing Options
If you do have a major project or an investment worthwhile, you can resort to Best Buy financing options. In other words, you qualify for the financing options once you have a Best Buy credit card. That is to say, Best Buy’s credit card allows you to finance certain purchases with 0% APR over some period of time.
However, don’t forget that if your balance is not paid in full till the financing period ends, you will be made to pay high interest, for the amount you owe. That’s why it’s not advisable if what you are financing is not an investment.
Apply for Best Buy Credit Card
At this point, I will forge ahead to letting out the application procedures for new customers who want to get the Best Buy credit card. But there is a requirement.
First, to apply, you must be a U.S. citizen.
Second, to apply you must be up to 18 years and above. Except if an undertaken is issued y your parent, then below 18 can apply.
Third, before applying you will need to make available some personal information such as;
- Social security number.
- Date of birth.
- Email address.
- Physical mailing address.
- Driver’s license and other documents that will be required from you for account verification and identity.
That said, if you have made the above available visit https://www.bestbuy.com/site/misc/financing-rewards/pcmcat102500050032.c?id=pcmcat102500050032 and click on the “Apply Now” button. Amazingly, no credit check and no minimum balance.
Thus, after your application is approved. As a result, your Best Buy Visa card will be delivered to you in about 5 to 7 business days. Though there is still yet another task.
After you get a mail with your card, the next step will be to activate your card.
To do that, first, visit the official page.
Second, click on the “Register your card” account and register for online access. After which click on the activate button. And follow the activation process to activate your card.
Credit Cards from Best Buy
On a good note, Best Buy offers about five types of credit cards. This post focused on My Best Buy Visa Card. As such other cards include;
- My Best Buy® Credit Card
- Magnolia® Credit Card
- My Best Buy® MasterCard®
- Pacific Sales® Credit Card
- My Best Buy® Visa® Card
My Best Buy Card Login – How to Sign in
First, you will need to know that the account sign is only for registered users. That simply means that for you to be able to sign in and access your account online or via the mobile app. You will first need to register.
But I will assume you have signed up before. And continue with the online sign-in. but if you don’t have an account yet, not to worry. I will help you create an account down the line. Only keep reading.
To complete your Best Buy Card Login to your account, follow the guide below:
- First, visit the official Best Buy Card Login page at Best Buy Card Login to your account
- Locate and tap on the “SIGN ON” interface.
- Next, you will need to click on the sign-in button.
- After this, key in your username and password.
- Finally, hit on the login button.
Other Credit Card Options for Best Buy Credit Card
- Citi® Double Cash Card – 18-month BT offer
- Sallie Mae MasterCard
Can I earn Best Buy Reward without a Best Buy Credit Card?
The answer is yes, but while that may be true, the reward amount is nothing to ride home about compared to what you will earn when you have a Best Buy credit card. However, if you have other store-branded cards but make purchases in best buy occasionally. If and still want to enroll in their reward programs, it is still not a bad idea.
Having said that, non-credit My Best Buy users earn just 1 Point Per $1, which translates to a 2% rewards rate. If you don’t wish to open a new line of credit to earn rewards with Best Buy, it is still not bad. Thus, you can give it a try.
Best Buy Credit Card Customers Servicers Contact Info
Customer Care Phone Number
Mon – Fri 9 a.m. – 9 p.m. local time
Saturday 8 a.m. – 8 p.m. local time
Sunday 8 a.m. – 6 p.m. local time
ADDITIONAL PHONE NUMBERS
TDD/TTY for the Hearing Impaired
Outside the U.S., Canada, and Puerto Rico, Call Collect
My Best Buy® Credit Card
P.O. Box 790441
St. Louis, MO 63179-0441
My Best Buy® Credit Card Payments
P.O. Box 9001007
Louisville, KY 40290-1007
My Best Buy® Credit Card Overnight Delivery/Express Payments
6716 Grade Lane
Building 9, Suite 910
Louisville, KY 40213
It’s Your Turn Now
To cap it up, My Best Buy Visa Credit Card is no different from Best Buy’s Credit card, only that Visa credit card is accepted only where Visa Cards are accepted. So this topic Best Buy Card Login covers both. Aside from that, there is no major difference.
Best Buy Credit Card Reviews
Best Buy Credit Card ReviewsThe Best Buy credit card is one card that makes sense in the electronics world. It rewards cardholders for shopping with the retailer. It comes as a good option of a card for those who buy the bulk of their electronics at Best Buy. Given how expensive devices like smartphones, HDTVs, and laptops can be as well as how quickly they grow obsolete, this card fills in for those who shop tech at Best Buy.
However, this card lacks flexibility, and rewards are only redeemable at Best Buy. It is a closed-loop store card. What this means is that it is only accepted only at Best Buy and BestBuy.com with no annual fee.
Where the Best Buy Credit Card Shines
Here, I will be outlining the features that make the Best Buy credit card a good option for techies. Also where the card could improve in terms of offerings.
- The Best Buy credit card offers 5% back in rewards at Best Buy.
- With this card, you have 10% back in rewards on your first day of purchases within 14 days of opening the account.
- With My Best Buy membership perks, you have an easier path to higher status levels.
- No annual fee (Only if your credit is good enough)
Downsides of Best Buy Credit Card
This is where we hope the Best Buy credit card can be better:
- Rewards earned, must be used at Best Buy or with promotional partners.
- Although the financing offers sound good, they can result in huge interest charges.
- Some applicants get a card version with a $59 annual fee, depending on their credit history.
- Reports of poor customer service.
- High-interest rate, as it’s common amongst store card.
Places You Can Use Your Best Buy Credit Card
Your card can only be used at the following places:
- Best Buy stores and BestBuy.com
Best Buy accepts Visa, Mastercard, American Express and Discover cards as payment methods alongside it’s own co-branded cards.
How to Get the Most Out of the Best Buy Credit Card
Set your eyes on the rewards:When you are making certain purchases at Best Buy, you are given the option of choosing between earning rewards (the “Standard Credit” option) or taking a deferred financing offer. In most situations, it would be best to go for the rewards.
Beware of special financing offers:Where you take a deferred financing offer, ensure that you get all your monthly payments in on time. Ensure also that you pay off the balance by the end of the term. If not, you’ll be charged interest going all the way back to the purchase date. This will make your purchase way more expensive than what it should be.
Monitor your account and statements:You have to stay updated on your monthly statements in order to avoid any surprises.
How to Apply for Best Buy Credit Card
The application process for this card is a bit different from that of most cards. When you apply, you can’t apply for a particular card. Rather, you’ll first be considered for the My Best Buy Platinum Visa account. Where you are not qualified, you’ll then be considered for the My Best Buy Credit Card account. Where you don’t get approved for that either, you’ll be considered next for a My Best Buy Visa Gold account. The Best Buy Visa Gold card, comes with an annual fee of $59.
What Credit Scores Do You Need to Qualify?
You’ll need to have scores within a range of 580-669 for FICO or 650-699 for VantageScore to qualify. This makes the card suitable for people with fair credit.
Qualifications and Requirements
- You must create a My Best Buy account
- Be 18 years to apply
- Have the following personal identifying information: Name, birth date, Social Security number, and phone number.
- For financial information, you’ll need the following: Total household income, source of income, monthly mortgage/rent payment.
Logging into My Best Buy Account
You have two options of signing into your account. You can either log in with your Citi information, if applicable. Alternatively, you can take a moment to link your Best Buy account with your Citi account and log in via Best Buy.
Paying Your Card Balance
To pay your card balance, you have three options. You can either log in to your My Best Buy credit card account online. You can alternatively pay over the phone by calling the number on the card website. Thirdly, you can pay by mailing your payment to the address listed on your statement. We advise you to include your account number.