Best Buy offers two primary credit cards issued by Citibank that are popular for purchasing computers: the (a store-only card) and the My Best Buy® Visa® Card (which can be used anywhere Visa is accepted). Both cards provide unique benefits tailored for tech buyers, including significant rewards and long-term financing options. Key Benefits for Computer Purchases
While financing can be a great tool, it carries specific risks that you should monitor closely: Best Buy Credit Card: Rewards & Financing best buy computer credit
: New cardmembers can earn 15% back in rewards on their first day of qualifying Best Buy purchases within 14 days of account opening (available through May 3, 2026). Best Buy offers two primary credit cards issued
: For ongoing purchases, cardholders earn 5% back in rewards (2.5 points per $1 spent). : For ongoing purchases, cardholders earn 5% back
: Instead of rewards, you can choose promotional financing. This is often the preferred choice for large tech purchases like gaming PCs or high-end laptops, allowing you to pay over 6, 12, 18, or 24 months without interest. Card Types Compared My Best Buy® Credit Card My Best Buy® Visa® Card Usage Best Buy stores and BestBuy.com only Anywhere Visa is accepted Best Buy Rewards 5% back (or 6% for Elite Plus) 5% back (or 6% for Elite Plus) Outside Rewards 3% Gas, 2% Dining/Groceries, 1% Other Annual Fee $0–$59 (based on creditworthiness) Credit Needed Fair or better Good to Excellent Critical Financing Considerations