My Best Buy Visa

If Best Buy is a regular stop, this card pays 5% back there in store and on BestBuy.com with no annual fee, which is a high rate to attach to a single retailer. Be clear about what you are earning: rewards post as My Best Buy points worth roughly 2 cents each and come back as Best Buy certificates rather than cash, so the value only exists if you keep shopping there. Away from Best Buy it is an ordinary everyday card at 3% on gas, 2% on dining and groceries, and 1% on everything else, and the 5% is gated to Best Buy specifically, not electronics retailers in general. New cardholders get 10% back on the first day of standard credit purchases made within 14 days of opening, which rewards front-loading a big appliance or TV order. The other thing to weigh is the deferred interest financing on larger Best Buy purchases, which is offered as an alternative to earning rewards on that same purchase, so you pick one or the other.