My Best Buy Credit Card Review 2025 | Worth It or Leave It?

The My Best Buy Credit Card solves the pain point for tech enthusiasts and frequent Best Buy shoppers who want substantial rewards on gadgets, appliances, and electronics, offering up to 10% back on your first purchases within 14 days and 5% back ongoing. Flexible financing for large purchases is an added perk, making it easier to afford big-ticket items, and there is no annual fee with the basic versions of the card. But this card also comes with major caveats: the deferred interest financing means you must pay off the full amount in the promotional window to avoid interest charges from the original purchase date, and you have to choose between rewards or financing—not both for the same buy. Rewards are only redeemable as Best Buy certificates and can expire if unused, so their flexibility is sharply limited. The sky-high regular APR of 31.49% punishes anyone who carries a balance, and there’s a lack of a traditional sign-up bonus or premium perks. For those seeking rewards they can use anywhere or more robust benefits, a general cash back card may serve better. Just how risky is the fine print behind this attractive rewards card? The ending holds the answer you can’t afford to miss. Pros: 10% back on Best Buy purchases (first 14 days), then 5% ongoing Flexible financing options for large purchases No annual fee on most card options Two versions: Visa (usable anywhere) and Store Card (Best Buy only) No foreign transaction fees on Visa version Cons: Deferred interest financing can be costly if not paid off in time Cannot combine rewards and financing on the same purchase Rewards are only redeemable as Best Buy certificates Certificates can expire if not used promptly High variable APR (31.49%) No traditional welcome bonus or premium benefits #BestBuyCreditCard #TechRewards #ElectronicsCard #CashBackCard #RewardsCard #FinanceTips #CreditCardReview #DeferredInterest #BestBuyDeals #SmartShopping ⚠️ The views and opinions expressed on this channel are solely those of the creator and do not reflect the views of any companies or organizations mentioned. All product reviews and tutorials are based on personal experiences and research. Any pricings, percentages, rates, etc. mentioned in any videos are accurate until the time of recording. Please ensure to check the product info for the most updated numbers. While I strive for accuracy and thoroughness, all information provided is for general informational purposes only. Please do your own research before making any purchasing decisions. This channel may include affiliate links, which means I may earn a commission if you make a purchase through those links at no additional cost to you. By watching, you acknowledge that you are solely responsible for any decisions made based on the content provided. For business inquiries, please contact [email protected] Attribution: Stock footage provided by www.freepik.com, www.pexels.com, www.canva.com