March 17, 2025: The Best Buy credit card isn’t the best card to use at Best Buy. Between the card’s restrictive rewards, lack of benefits, and costly financing offers, there are many better cards to use at Best Buy. Here’s our take on the best credit cards to use for your purchases at Best Buy.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
The best credit cards to use at Best Buy
 U.S. Bank Shopper Cash Rewards® Visa Signature® Card Annual fee: $0 intro annual fee for the first year ($95/year thereafter) | Why use it at Best Buy: Up to 6% cash back rewards, plus extended warranty, return protection, and extended warranty. Sign-up bonus: Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. Learn how to apply. |
 U.S. Bank Cash+® Visa Signature® Card Annual fee: $0 | Why use it at Best Buy: Up to 5% cash back rewards in a category you choose, including electronics stores. Sign-up bonus: Earn a $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening. Learn how to apply. |
 Blue Cash Everyday® Card from American Express Annual fee: annual_fees (See Rates and Fees) | Why use it at Best Buy: Earns 3% cash back on U.S. online retail purchases (including Bestbuy.com) on up to $6,000 spent per year, then 1%. Welcome offer: bonus_miles_full Learn how to apply. |
 card_name Annual fee: annual_fees (See Rates and Fees) | Why use it at Best Buy: Earns 4x Membership Rewards® points on the top two categories where your business spends the most each billing cycle, on up to $150,000/year, then 1%. One of the eligible categories is electronic goods retailers and software & cloud system providers, which would include Best Buy. Welcome offer: bonus_miles_full Learn how to apply. While Membership Rewards can provide great value as a travel rewards currency, it provides poor cash back value. |
 My Best Buy Visa® Card Annual fee: $0 | Why use it at Best Buy: Unlimited 5% rewards at Best Buy. Sign-up bonus: 10% back in rewards on your first day of purchases when you are approved for the My Best Buy® Credit Card. The rewards you earn come as Best Buy discount coupons that expire shortly after they are issued. You must use them before they expire and you won’t get any credit for the coupons if you return an item you’ve purchased using them. |
 U.S. Bank Cash+® Visa Signature® Card Annual fee: $0 | Why use it at Best Buy: 3% cash back or 4.5% travel rewards whenever you use a mobile wallet to pay. The U.S. Bank Altitude® Reserve Visa Infinite® Card is no longer available to new cardmembers. |
All information about the U.S. Bank Shopper Cash Rewards® Visa Signature® Card, U.S. Bank Cash+® Visa Signature® Card, My Best Buy Visa® Card, and U.S. Bank Cash+® Visa Signature® Card has been collected independently by
Editor’s overall pick: U.S. Bank Shopper Cash Rewards® Visa Signature® Card
When it comes to picking a card to use at Best Buy, there are definite tradeoffs. Ideally, we’d like a card that earns the most rewards possible with no annual fee while also providing essential consumer benefits like extended warranty and purchase protection—which you’d probably want on many of the things you’re likely to buy at Best Buy. Sadly, that card doesn’t exist.
We chose the U.S. Bank Shopper Cash Rewards® Visa Signature® Card as our favorite card to use at Best Buy. It offers extended warranty protection and up to 6% cash back rewards in two retailers you choose, including Best Buy.
We don’t like that the card has an annual fee—$0 intro annual fee for the first year ($95/year thereafter)—but the fact that you can earn rewards at another useful retailer in addition to Best Buy, plus rewards in everyday categories and decent rewards on general purchases mitigates this somewhat.
Why not the Best Buy credit card?
A natural question to ask is why we didn’t pick the My Best Buy Visa® Card. After all, 5% “rewards” at Best Buy with no annual fee sounds compelling.
But when you dig into the details, the card just isn’t great. First, the rewards are issued as points which can only be redeemed for coupons that provide a discount at Best Buy. These coupons expire, have no residual value if partially used, and you won’t get any credit for your coupons if you return an item.
Second, the promotional financing offers are downright predatory. According to the terms, if you don’t pay off your balance in full by the end of your promotion, you’ll get charged interest retroactively. That’s incredibly consumer-unfriendly.
Finally, the card doesn’t offer an extended warranty—likely because Best Buy wants to sell you one.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card
Who it’s best for: Best Buy shoppers who want superior rewards and an extended warranty. With the U.S. Bank Shopper Cash Rewards® Visa Signature® Card, you can earn 6% cash back at Best Buy, plus the card offers purchase security, return protection, and extended warranty protectio.
Welcome offer: Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
Learn how to apply.
Annual fee: $0 intro annual fee for the first year ($95/year thereafter).
Learn more: Check out our review of the U.S. Bank Shopper Cash Rewards® Visa Signature® Card.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card at a glance
Annual fee: $0 intro annual fee for the first year ($95/year thereafter.)
Foreign transaction fee: 3% of each foreign transaction.
All information about the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by cardsandpoints.com.
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card can offer the most cash back (up to 6% cash back) at two select retailers you choose.
Sign-up bonus
Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. Learn how to apply.
Rewards
- 6% on your first $1,500 in combined eligible purchase each quarter with two retailers you choose.
- 3% on your first $1,500 in eligible purchases each quarter on your choice of one everyday category.
Eligible everyday categories include wholesale clubs, gas and EV charging stations, and bills and utilities. - 1.5% on all other eligible purchases.
Rewards are earned as cash back.
Eligible 6% retailers
With the U.S. Bank Shopper Cash Rewards® Visa Signature® Card, you can choose two retailers to earn 6% cash back on up to $1,500 in combined eligible purchases each quarter. Here’s the list of eligible retailers.
- Ace Hardware®
- Apple®
- Amazon.com®
- Anthropologie®
- Bed, Bath, & Beyond®
- Best Buy®
- Chewy.com®
- Crate and Barrel™
- Disney®
- Home Depot®
- Ikea®
- Kohl’s®
- Lowe’s®
- Lululemon®
- Macy’s™
- Menards®
- Nordstrom™
- Pottery Barn®
- QVC®
- Restoration Hardware™
- Target®
- Walmart®
- Wayfair.com
- Williams Sonoma®
Benefits
Consumer insurance benefits
- Purchase security.
- Return protection.
- Extended warranty protection.
Travel insurance benefits
- Travel and emergency assistance services.
Partner benefits and statement credits
- Free Shipt membership until 12/31/24 with enrollment. After free membership expires, you are automatically enrolled in an annual Shipt membership at then-current prices until you cancel.
U.S Bank Cash+® Visa Signature® Card
Who it’s best for: Best Buy shoppers who want rewards with no annual fee. The U.S. Bank Cash+® Visa Signature® Card can get you 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose. And one of those categories can be electronic stores, which would include Best Buy.
Welcome offer: Earn a $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening.
Learn how to apply.
Annual fee: $0.
Learn more: For more, see our review of the U.S Bank Cash+® Visa Signature® Card.
U.S Bank Cash+® Visa Signature® Card at a glance
Annual fee: $0
Foreign transaction fee: 3% of each foreign transaction
All information about the U.S Bank Cash+® Visa Signature® Card has been collected independently by cardsandpoints.com.
The U.S. Bank Cash+® Visa Signature® Card offers 5% cash back on up to $2,000 in combined purchases each quarter in two categories you choose, plus additional cash back in one everyday category, with no annual fee.
Sign-up bonus
Best sign-up bonus: Earn a $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening.
Learn how to apply.
This bonus is earned as cash back credited to your rewards balance.
Rewards
- 5% cash back in two categories you choose each quarter
on your first $2,000 in combined eligible purchases.
Eligible categories include fast food; home utilities; TV, internet, and streaming; department stores; cell phone providers; electronic stores; sporting good stores; gyms/fitness centers; ground transportation; movie theaters; furniture stores; and select clothing stores. - 2% cash back on one everyday category you choose each quarter
Eligible categories include grocery stores and gas stations and EV charging stations. - 1% cash back on all other eligible purchases.
Rewards are earned as cash back and can be redeemed for full value as a statement credit, or a direct deposit into your U.S. Bank checking or savings account.
Benefits
The U.S Bank Cash+® Visa Signature® Card offers a very limited set of benefits.
Travel insurance benefits
- Travel and Emergency Assistance Services.
- Roadside Dispatch.
Blue Cash Everyday® Card from American Express
Who it’s best for: Bestbuy.com shoppers who don’t want to pay an annual fee. Since you can order pretty much everything Best Buy sells for in-store pick-up, Blue Cash Everyday® Card from American Express is a great option that can get you uncreased rewards on you Best Buy purchases—provided you check out at Bestbuy.com in the U.S.
Welcome offer: bonus_miles_full Learn how to apply. (See Rates and Fees)
Annual fee: annual_fees.
Learn more: Take a peek at our review of the Blue Cash Everyday® Card from American Express.
Blue Cash Everyday® Card from American Express at a glance
Annual fee: annual_fees
(See Rates and Fees )
The Blue Cash Everyday® Card from American Express is a great choice if you want a card with no annual fee for everyday purchases.
Welcome offer
Best welcome offer: bonus_miles_full
Learn how to apply.
This bonus is earned as a cash back statement credit.
The above offer is currently the best available offer, we’ve seen better welcome offers on this card in the past. For more, see our coverage of the best Blue Cash Everyday offers.
Rewards
- 3% on groceries at U.S. supermarkets
on up to $6,000 per year of purchases, then 1%. - 3% on U.S. online retail purchases
on up to $6,000 per year of purchases, then 1%. - 3% on gas at U.S. gas stations
on up to $6,000 per year of purchases, then 1%. - 1% on other purchases.
Rewards are earned as cash back.
Benefits
Consumer insurance benefits
- Amex Purchase Protection. Covers eligible purchases against theft or accidental damage up to $1,000 per covered purchase and up to $50,000 per account per calendar year. Exclusions and terms apply.
Travel insurance benefits
- Car rental loss and damage insurance.
- Global assist hotline.
Partner benefits and statement credits
- $84 Disney Plus Credit. Receive $7 back monthly after spending $9.99+ each month on an eligible auto-renewing U.S. subscription to the Disney Bundle. Enrollment required.
- $180 Home Chef Credit. Receive up to $15 per month in statement credits when you purchase an auto-renewing U.S. subscription for Home Chef meal kits.
- Amex Offers. Receive statement credits or extra rewards with targeted offers from select merchants. Enrollment required.
American Express® Business Gold Card
Who it’s best for: Membership Rewards® point collectors who spend a lot at Best Buy. The card_name earns 4x Membership Rewards® points on the two categories where your business spends the most each billing cycle
Welcome offer: bonus_miles_full Learn how to apply. (See Rates and Fees)
Annual fee: annual_fees
Learn more: See our overview of the American Express® Business Gold Card for more on the card’s rewards and benefits.
My Best Buy Visa® Card
Who it’s best for: Heavy Best Buy spenders. The My Best Buy Visa® Card offers unlimited 5% rewards at Best Buy, but with some pretty big strings attached.
The rewards on this card are issued as points that can be redeemed for My Best Buy Reward Certificates that can only be used for a discount at Best Buy. Certificates expire shortly after they are issued and you won’t get anything back for your certificates if you need to redeem an item you purchased.
Welcome offer: 10% back in rewards on your first day of purchases when you are approved for the My Best Buy® Credit Card. To apply for this card, visit Best Buy’s website or see an associate in-store.
Annual fee: annual_fees.
Rewards: (The card earns points that can be redeemed for discount certificates at Best Buy.)
- 5% back in rewards at Best Buy.
- 3% back in rewards on gas purchases.
- 2% back in rewards on grocery purchases and on dining and takeout purchases.
- 1% back in rewards on other purchases.
All information about the My Best Buy Visa® Card has been collected independently by cardsandpoints.com.
U.S. Bank Altitude® Reserve Visa Infinite® Card
Who it’s best for: Best Buy in-store shoppers. When you check out using the U.S. Bank Altitude® Reserve Visa Infinite® Card with a mobile wallet, you’ll earn 3x points—the equivalent of 3% cash back or 4.5% toward travel. Unfortunately, the card is no longer available to new cardmembers.
This card is no longer available to new cardmembers. It may be available by doing a product change from another card.
Annual fee: $400.
Learn more: Read about the U.S. Bank Altitude® Reserve Visa Infinite® Card in our review.
U.S. Bank Altitude® Reserve Visa Infinite® Card at a glance
Annual fee: $400
Foreign transaction fee: None.
All information about the U.S. Bank Altitude® Reserve Visa Infinite® card has been collected independently by cardsandpoints.com.
The U.S. Bank Altitude® Reserve Visa Infinite® card offers some of the best rewards—equivalent to 3% cash back or 4.5% travel rewards—anywhere you can use mobile wallet to pay.
Sign-up bonus
The U.S. Bank Altitude® Reserve Visa Infinite® card is no longer available to new cardmembers.
Rewards
- 5x points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
- 3x points on mobile wallet spending with Apple Pay®, Google Wallet, and Samsung Pay.
- 3x points on eligible travel purchases.
- 1x points on all other eligible purchases.
Rewards are earned as Altitude Rewards points.
Altitude Rewards points can be redeemed for cash back at 1 cent per point or used to book travel through the Altitude Rewards center at 1.5 cents per point. You can also redeem your points against travel purchases through Real Time Rewards at 1.5 cents per point.
Benefits
Consumer insurance benefits
- Extended warranty protection.
- Purchase security.
- Return protection.
- Personal identity theft protection.
Travel insurance benefits
- Auto rental collision damage waiver.
- Lost luggage reimbursement.
- Travel accident insurance.
- Emergency evacuation and transportation.
- Trip cancellation/interruption coverage.
- Trip delay reimbursement.
- Travel and emergency assistance services.
Travel benefits
- Airport lounge access. Complimentary Priority Pass™ Select membership with 8 free visits annually.
- TSA PreCheck or Global Entry statement credit.
Partner benefits and statement credits
- $325 annual statement credit for eligible travel and dining purchases.
- Free Shipt membership until 12/31/24 with enrollment. After free membership expires, you are automatically enrolled in an annual Shipt membership at then-current prices until you cancel.
Bottom line: You can do better than the Best Buy credit card
The Best Buy credit card’s 5% rewards don’t really stack up well when you consider that the rewards come as a restrictive, expiring coupon that you can only use at Best Buy… and that the card offers no extended warranty protection. The other cards on our list of the best cards to use at Best Buy are better choices for most consumers.
Amex rates and fees disclosures
- For rates and fees of the Blue Cash Everyday® Card from American Express, see this link: See Rates and Fees
- For rates and fees of the card_name, see this link: See Rates and Fees
Amex insurance disclosures
Amex Car Rental Loss and Damage Insurance (standard) disclosure: Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Amex Global Assist Hotline disclosure: You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.
Amex Purchase Protection (standard) benefit disclosure: When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
