The American Express Business Gold Card is the best card for Best Buy — it earns 4x (8.0% return) and 4x on Electronics & Technology.
No annual fee: the My Best Buy Visa Card earns 5x at Best Buy with no annual fee (5.0% return).
Updated February 2026
Best Credit Card for Best Buy
Compare the top credit cards to maximize your rewards every time you shop at Best Buy.
Choosing the right card for Best Buy can meaningfully boost your overall rewards return. The difference between a 1x flat card and the best card for this category can add up to hundreds of dollars in extra rewards per year on regular spending.
How CardCurator ranks this merchant
These rankings use current earn rates, annual fee drag, reward value, and merchant-category fit. They are based on live card data, not a fixed sponsored list.
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.
Go broader than Best Buy if you are still deciding by spending goal
This merchant page is best when you already care about Best Buy. If you are still choosing the right card for all of your best buy spend, use the category guide or the best-cards hub first.
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Quick summary
A short version of the recommendation with the main numbers and tradeoffs.
At Best Buy, American Express Business Gold Card is currently our top overall pick at 4x, which works out to about 8.0% back based on CardCurator's current point valuations. 4x on Electronics & Technology. If you want a no-annual-fee option, My Best Buy Visa Card earns 5x there (5.0% effective return). On $500/month of spend, the top card is worth about $480/year before signup bonuses or statement credits. Summary generated February 26, 2026. Source: https://cardcurator.ai/merchant/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.
- My Best Buy Visa Card is the best no-annual-fee fallback at 5x, worth about $300/year at the same spend.
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card to use at Best Buy?
The American Express Business Gold Card is currently the top pick at Best Buy, earning 4x points per dollar — an effective 8.0% return. 4x on Electronics & Technology
How many points do I earn at Best Buy per dollar spent?
Top cards earn between 3x and 5x at Best Buy. Leading options include: American Express Business Gold Card (4x), My Best Buy Visa Card (5x), T-Mobile Visa (5x).
Does Best Buy count as best buy for credit card rewards?
Best Buy typically falls under the Best Buy category for credit card reward purposes. Cards with a best buy spending bonus will earn an elevated rate here. Choosing the right card for Best Buy can meaningfully boost your overall rewards return. The difference between a 1x flat card and the best card for this category can add up to hundreds of dollars in extra rewards per year on regular spending.
Is there a no-annual-fee card that earns well at Best Buy?
Yes — the My Best Buy Visa Card has no annual fee and earns 5x at Best Buy (5.0% effective return). 5x on Best Buy
Is a premium card worth the annual fee for Best Buy spending?
The American Express Business Gold Card ($375/yr) earns 4x at Best Buy. If you spend $391/month or more there, the category rewards alone offset the annual fee — before counting travel credits and other perks that often exceed $500 in value on premium cards.
Which card earns the most if I spend $500 per month at Best Buy?
American Express Business Gold Card: $480/yr, My Best Buy Visa Card: $300/yr, T-Mobile Visa: $300/yr. The American Express Business Gold Card earns the most at $500/month.
Need a situation-specific recommendation?
Merchant rankings are a good starting point, but the best card can change if you care more about international use, business spending, or lower-friction approval.