Best Credit Card for Best Buy
Compare the top credit cards for Best Buy electronics store purchases and find which one earns the most rewards.
The My Best Buy Visa Card earns 5% back on Best Buy purchases and offers flexible financing on large electronics. For shoppers who regularly buy electronics at Best Buy, the rewards can offset the cost of appliances and gadgets.
Top Pick
American Express Business Gold Card
4x on Electronics & Technology
Note: This card has a $150,000 annual spending cap for Electronics & Technology. Earnings above this amount will be at the base rate.
Before you click out
- This is the best fit only if you actually spend heavily on best buy.
- Make sure the $375 annual fee still makes sense for your total spend.
- If this is your pick, apply now and keep this page open in another tab for reference.
More Good Options
T-Mobile RewardsT-Mobile Visa5xpts/dollar5.0%return5x on T-Mobile Devices & Accessories
Apply Now- Samsung Galaxy Cash RewardsSamsung Galaxy Card5xpts/dollar5.0%return
5x on Samsung Purchases
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Use the partner marketplace only if you are still in category-browsing mode. If the top pick above already fits, the direct apply path is the cleaner decision.
Rewards Calculator
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Quick summary
A short version of the recommendation with the main numbers and fallback option.
For Best Buy electronics store purchases, American Express Business Gold Card is currently our top overall pick at 4x, which works out to about 8.0% back using CardCurator's current point valuations. 4x on Electronics & Technology. If you want a no-annual-fee option, T-Mobile Visa earns 5x there (5.0% effective return). At $500/month of spend, the top card is worth about $480/year before signup bonuses or statement credits. Summary generated July 26, 2026. Source: https://cardcurator.ai/best-credit-card-for/best-buy
- American Express Business Gold Card: 4x and 8.0% effective return.
- At $500/month, that's about $480/year in rewards value before bonuses.
- T-Mobile Visa is the current no-fee fallback at 5x (5.0% effective return).
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card for Best Buy?
The American Express Business Gold Card is currently the top pick for Best Buy electronics store purchases, earning 4x points per dollar — an effective 8.0% return.
How many points do you earn on Best Buy purchases?
The top-rated card for Best Buy electronics store purchases, the American Express Business Gold Card, earns 4x per dollar — an effective return of 8.0%.
Is there a no-annual-fee card that earns rewards on Best Buy?
Yes — the T-Mobile Visa earns 5x on Best Buy electronics store purchases with no annual fee (5.0% effective return).
Is a premium card worth the annual fee for Best Buy spending?
The American Express Business Gold Card ($375/yr) earns 4x on Best Buy electronics store purchases. If you spend $391/month or more on best buy, the rewards offset the annual fee — before counting travel credits and other perks.
Which card earns the most if I spend $500 per month on Best Buy?
American Express Business Gold Card: $480/yr, T-Mobile Visa: $300/yr, Samsung Galaxy Card: $300/yr. The American Express Business Gold Card earns the most at $500/month.
Do rotating category cards earn on Best Buy?
Some cards — like Chase Freedom Flex and Discover it — occasionally feature best buy as a 5% bonus category for one quarter per year. Year-round, a dedicated best buy card typically outperforms rotating category cards since you can't always count on the bonus.