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.
More Good Options
Bilt RewardsBilt Palladium Card2xpts/dollar4.0%return2x base rate (no bonus for Best Buy)
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Capital OneCapital One Venture Rewards2xpts/dollar3.7%return2x base rate (no bonus for Best Buy)
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Rewards Calculator
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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 My Best Buy Credit Card 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, My Best Buy Credit Card: $300/yr, Apple Card: $180/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.