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17 cards ranked

Best credit card to use at Best Buy.

Online Shopping

Best Buy is the largest U.S. specialty electronics retailer, with about 950 stores and a strong bestbuy.com presence. In-store and online purchases generally code as electronics or online shopping rather than as a department store, so the answer here usually comes down to a flat online-retail card or a flat-rate card. The My Best Buy Visa offers in-house financing and 5-6% back at Best Buy specifically, but the math only works for shoppers spending several thousand dollars a year on electronics.

Credits & perks at Best Buy

These cards include a statement credit, rebate, or complimentary membership you can use at Best Buy, on top of whatever you earn on the purchase. Weigh these alongside the ranked picks below.

  • Citi Strata Elite
    Citi
    Up to $200 annual statement credit on your choice of up to 2 of these 5 brands: 1stDibs, American Airlines, Best Buy, Future Personal Training, and Live Nation.
    $200/yr

Picks without a tag earn at Best Buy both in-store and online. Watch for theOnline onlytag — those bonuses only apply on bestbuy.com.

  1. #1
    Bank of America Cash Rewards SecuredOnline onlyif you select it
    Bank of America
    3% on online shopping if you select it as a bonus category (up to $2,500/quarter, then 1%)
    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
  2. #2
    Bank of America Customized Cash RewardsOnline onlyif you select it
    Bank of America
    3% on online shopping if you select it as a bonus category (up to $2,500/quarter, then 1%)
    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
  3. #3
    Blue Cash EverydayOnline only
    American Express
    3% on online shopping (up to $6,000/year, then 1%)
    U.S. online retail purchases
    3%
  4. #4
    Robinhood Gold
    Robinhood
    3% flat-rate cashback
    3%
  5. #5
    Hilton Honors American Express SurpassOnline only
    American Express
    4x points on online shopping
    Eligible U.S. online retail purchases
    2.0%4x points
  6. #6
    Blue Business Cash from American Express
    American Express
    2% flat-rate cashback
    2%
  7. #7
    Citi Double Cash
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  8. #8
    Coinbase One
    First Electronic Bank
    2% flat-rate cashback
    Tiers of 2%, 2.5%, 3%, or 4% based on assets held on Coinbase; tiers above 2% are capped at $10,000 in eligible purchases per month, then 2%. Requires Coinbase One membership.
    2%
  9. #9
    Fidelity Rewards Visa Signature
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  10. #10
    Graphite Business Cash Unlimited
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  11. #11
    Ink Business Premier
    Chase
    2% flat-rate cashback
    2.5% on purchases of $5,000 or more per transaction
    2%
  12. #12
    Intuit Business
    WebBank
    2% flat-rate cashback
    2%
  13. #13
    Navy Federal cashRewards Plus
    Navy Federal
    2% flat-rate cashback
    Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
    2%
  14. #14
    PNC Cash Unlimited
    PNC
    2% flat-rate cashback
    2%
  15. #15
    Smartly Visa Signature
    U.S. Bank
    2% flat-rate cashback
    2%
  16. #16
    Wells Fargo Active Cash
    Wells Fargo
    2% flat-rate cashback
    2%
  17. #17
    Wells Fargo Signify Business Cash
    Wells Fargo
    2% flat-rate cashback
    2%

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Last updated July 28, 2026

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