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Evaluate top credit cards
with rewardsFROM
OUR PARTNERS

The first thing most of us associate credit cards with is shopping. Many credit cards come with rewards programs and 0% intro APR on purchases, which makes such cards not only convenient for shopping but allows cardholders to benefit from this. Still, one question remains relevant. What to look for and how to choose the best card for purchases when there are so many offers around? To help you find the best credit card for shopping at Best Buy, we have carefully selected only first-rate cards like the Rewards Zone Mastercard credit card and the My Best Buy® Credit Card and compared them in the table below. All you need to do is to look through the main features and apply for a credit card that suits you better.

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our choice

Rating 5.0
on Discover's secure website

Excellent/Good Credit 

Rating 3.0
This card is no longer available to new applications.

Any Credit 

Rating 5.0
on Citi's secure website

Excellent, Good Credit 

Rating 3.0
Offer is not available

Excellent / Good Credit 

Rating 4.4
on Citi's secure website

Excellent, Good Credit 

Rating 5.0
on Discover's secure website

Excellent/Good Credit 

Rating 4.7
on Discover's secure website

Excellent/Good Credit 

Rating 4.7
on Citi's secure website

Excellent, Good Credit 

REWARDS
Rewards bonus
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
You get 10% cashback on your first purchase within 14 days of opening the account8
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
Earn 10% back in rewards on first day of purchases8
Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
No
Max. rewards
5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate
5% back in rewards on qualifying Best Buy items8
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
5 points per $1 spent.8
Earn 3 Points at Restaurants, Supermarkets, Gas Stations, Air Travel and Hotels
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1.5x Miles per dollar on all purchases
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Rewards on everyday purchases
1% unlimited cash back on all other purchases - automatically
1% back on all other purchases8
Earn 1X ThankYou® Points on All Purchases
No rewards8
Earn 1 Point per $1 spent on all other purchases
1% unlimited cash back on all other purchases - automatically
1.5x Miles per dollar on all purchases
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Rewards expiration
Rewards never expire
See terms8
Points do not expire provided your account is active and in good standing
After 12 months of inactivity, points can be issued as reward certificates, and certificates have an expiration date.8
Points do not expire provided your account is active and in good standing
Cash rewards never expire.
Rewards never expire
Your cash rewards balance will expire if you have not earned any cash back from purchases or payments for 12 months
Credit card usage
Use Anywhere
Use Anywhere
Use Anywhere
Use only at Best Buy locations.8
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
RATES AND FEES
Intro APR on purchases
0% (14 months)
No Intro APR8
0% (15 months)
No intro APR8
N/A
0% (14 months)
0% Intro APR (14 months)
N/A
Regular APR
11.99% - 22.99% Variable APR
See terms8
13.49% - 23.49% (Variable)
25.24%8
15.99% - 23.99% (Variable)
11.99% - 22.99% Variable APR
11.99% - 22.99% Variable APR
13.99% – 23.99% (Variable)
Annual fee
$0
$08
$0
$08
$95
$0
$0
$0
Foreign transaction fee
None
See terms8
3%
N/A8
0%
None
None
3%

Check out
credit card WITH REWARDS
2021

Discover it® Cash Back apply
on Discover's secure website
Rating 5.0

GREAT BONUS OFFER

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

REWARDS

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.

Expert's opinion

The Discover it® Cash Back is an ideal choice for those who want to get the maximum use of their credit card while shopping. Whether you prefer in-store or online shopping, this credit card will bring you unlimited 1% cash back on all purchases. What is more, Discover gives you the opportunity to expand your rewards with their 5% cash back at different places each quarter up to the quarterly maximum, each time you activate. Another reason to apply for the Discover it® Cash Back card is its exceptional sign-up bonus. Discover will match all the cash back new cardmembers have earned at the end of their first year. And the icing on the cake is the card's $0 annual fee!

Excellent/Good Credit

How to put a rewards
credit card TO
GOOD USE

Reap Benefits from a Rewards Program
Reap Benefits from a Rewards Program

A rewards program is the primary criterion for choosing a credit card for purchases. Points, cashback bonus or miles - that's what you can earn for buying things with your card. Good credit cards allow you to receive rewards on all purchases. In some cases, increased rewards for particular purchases or categories like grocery stores, restaurants, travel, gas, and others are additionally offered. It helps multiply your earnings and benefit even more. Besides ways of earning rewards, it is very important to understand where you can spend them later. There also may be different redemption options: cash, statement credits, travel purchases, gift cards and more. Choose a credit card with a rewards program that corresponds to your needs and spending habits.

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apply on Discover's secure website
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
Make Use of a Sign-Up Bonus
Make Use of a Sign-Up Bonus

Getting intro bonuses is the most enjoyable part of the rewards credit card use process. After all, it is always so nice and exciting to receive gifts. Conditions for obtaining a bonus may vary depending on the card. Some rewards credit cards require you to spend a certain amount in the first several months or in some other period, which is a good way to receive additional rewards for usual daily expenses. Other cards offer more peculiar bonuses. However, such bonuses are not always as high. For instance, the Rewards Zone Mastercard and the My Best Buy® Credit Card offer mere 10% back in rewards and only on the first day of qualifying Best Buy® purchases.

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apply on Citi's secure website

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

Take Advantage of a 0% Intro APR
Take Advantage of a 0% Intro APR

Intro 0% APR for purchases can help you save a considerable amount at the start. Especially when it comes to credit cards for purchases since you are supposed to buy a lot with them. Many cards now offer a 6, 12 or even 18 months introductory 0% purchase APR. Sometimes the same conditions apply to balance transfers. Make sure to find out if the chosen card can boast zero introductory period. It is also important to pay attention to what rate you are to expect after that period ends. But the best thing for you is to always keep in mind that paying the entire balance in full every month will save you from being charged any interests at all.

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apply on Discover's secure website

Intro APR on Purchases: 0% Intro APR (14 months)

Ongoing APR: 11.99% - 22.99% Variable APR

Updated: Aug 03, 2021

questions ABOUT
REWARDS CREDIT CARDS

What is the difference between the Best Buy store card and the Best Buy Visa and how do I choose which one to apply for?

They are similar in that they both come with the same benefits within the store such as financing options and rewards. They also both come with high APR's. The main difference is the card branded with the Visa logo can...

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Do I increase my rewards if I use the My Best Buy loyalty program and Best Buy credit card together?

Yes, your loyalty program card becomes attached to your credit card and you will increase your points by using them together. The base reward for the My Best Buy loyalty program is 0.5 points per dollar, and for the...

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Can I join the My Best Buy Program without applying for their credit card?

Yes, you can. You do not need to sign up for the Best Buy credit card to join their My Best Buy Loyalty program. In many ways the loyalty program is more beneficial than their credit card because not only does it allow...

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REWARDS CREDIT CARDS

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