My Best Buy® Review: Benefits | MaxRewards

My Best Buy®

This card is built for regular Best Buy shoppers who want simple store rewards without paying an annual fee. It works best as a specialist card for Best Buy purchases, not as an everyday card for broad spending.

Annual Fee

Rec. Credit Score

Excellent

Good For

Frequent Best Buy shoppers

How to Apply

All information about My Best Buy® has been collected independently by MaxRewards. My Best Buy® is no longer available through MaxRewards.

Is the My Best Buy® worth it?

This card is great for...

Electronics purchases

Appliance shopping

No-fee store rewards

If you buy from Best Buy often, the My Best Buy card is a straightforward way to earn more back on those purchases. A $0 annual fee makes it easy to keep, and 5% back at Best Buy is meaningful if you regularly shop there for electronics, appliances, games, or accessories.

For most other spending, though, this is not the card to reach for. Earning 1% everywhere else is easy to beat with a general cash back card, and there are no listed side benefits to broaden its appeal. This card makes the most sense for loyal Best Buy customers who want store-specific rewards and already have a stronger everyday card for everything else.

MaxRewards Verdict

A solid pick for people who spend at Best Buy regularly and want simple no-fee rewards on those purchases. Outside the store, its value is limited, so it works better as a secondary card than a primary one.

Rewards

The rewards structure here is simple: strong earnings at Best Buy, basic earnings everywhere else. Think of it as a store card that can add value on electronics purchases, while another card handles your everyday spending more effectively.

CategoryEst. yearly spendRateRewards

Best Buy

Est. yearly spend

Rate5%

Rewards

Everywhere

Est. yearly spend

Rate1%

Rewards

Est. Annual Rewards

Recommended Minimum Credit

Min: Excellent

Poor

Fair

Good

Excellent

Excellent credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.