:max_bytes(150000):strip_icc()/GettyImages-84130563-74a8af8c46a74880be99562ccd2a508a.jpg "Can You Pay off Your Best Buy Credit Card In-Store?")
For the uninitiated, the Best Buy credit card has some attractive features for consumers who regularly purchase in-store or online. There are two types of cards offered—the standard store card and the Visa-branded store card. You can pay your credit card bill by cash or check in any Best Buy store. You also can pay online, by phone, or by mail.
Types of Best Buy Credit Cards and Rewards
Best Buy has two types of credit cards, the My Best Buy credit card and the My Best Buy Visa card. Both cards offer a cash-back reward of 5% for purchases at the store.
Key Takeaways
- Best Buy offers two types of credit cards: the store card and a Visa-branded card.
- The company offers in-store payment of the card’s statement for added convenience.
- My Best Buy cardholders earn 5% cash-back rewards on all purchases.
- Visa cardholders can receive 3% to 1% back in rewards.
- Watch for flexible financing deals for zero-interest-charge purchases.
Both also have standard rewards offers for cardmembers. The retailer offers 5% back on Best Buy purchases for both cards, but My Best Buy Visa cardmembers can earn 3% cash-back rewards on gas purchases, 2% on grocery and dining purchases, and 1% on all other purchases.
The standard My Best Buy store credit card can be used only at Best Buy stores.
Important
Which credit card you receive is determined only when you apply.
Credit Card Rates
As of December 2025, the My Best Buy cards carried an annual percentage rate of 30.74%. Which card you get is determined only when you apply for a card.
Flexible Financing
One attractive feature at Best Buy is the Flexible Financing feature for big-ticket items, which allows purchases to be paid over time at zero interest. For example, storewide purchases over $299 can be paid off over 12 months at no interest.
This is an unusually good deal if you’re certain you can pay off the entire balance within the allotted time frame. Otherwise, it’s a very bad deal since you will have to pay a high interest rate retroactively for the entire promotional period on any outstanding balance still owed.
Special financing offers do not earn cash-back rewards.
Other Features
Both cards allow customers to create and manage their accounts online. By using the online feature, cardholders can update their personal information, view transaction activity, and check their card balance.
Visa offers consumers zero fraud liability in the event of a lost or stolen card. Any lost or stolen cards should be reported to the company as soon as possible.
