Cardholders must choose between earning rewards or using promotional financing for each purchase; you cannot do both simultaneously. Standard Reward Rates : 5% back (2.5 points per $1). Elite Plus members can earn 6% back. Gas Stations (Visa only) : 3% back (1.5 points per $1). Dining & Grocery (Visa only) : 2% back (1 point per $1). Other Purchases (Visa only) : 1% back (1 point per $2). Introductory Offers
: Larger purchases, often $1,499+ or specific categories like home theater. best buy card credit card
If the balance is not paid in full by the end of the promotional period, interest will be charged retroactively from the original purchase date at the standard variable APR. Key Fees and Interest Rates (April 2026) Cardholders must choose between earning rewards or using
: Some sources report a limited-time bonus of 15% back on the first day of purchases for approvals through May 3, 2026. Promotional Financing Options Gas Stations (Visa only) : 3% back (1
: A "closed-loop" card accepted only at Best Buy and BestBuy.com. Reward Structure