Best Buy Credit Card

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Card Information
Introductory APR: 0% for first 3 months Standard APR: 19.80%, 23.15%, 23.80%, or 27.15% Variable* *Determined by credit history Annual Fee: None Get 4% cash back on all purchases from Best Buy Get 2% cash back on grocery and dinning purchases Get 1% back on purchases made everywhere else Issuer: HSBC Credit Card

Best Buy MasterCard Review
The Best Buy Reward Zone MasterCard is part of the Reward Zone program for Best Buy customers. The regular Reward Zone program is free to participate in and anyone can become a member. With this program you earn one point for each dollar spent at Best Buy when you use your reward zone membership card (which is just like the Kroger or CVS cards for example). For every 250 points you will automatically receive a $5 gift certificate that expires in 6 months. Be especially careful with your gift certificates, because I had a few and didn’t realize that they would expire so fast, and they will not be replaced. To stay an active member you must make one purchase a year. With the credit card you earn points for every purchase you make. Four points per dollar spent at Best Buy, two points per dollar spent at restaurants and on groceries, and one point per dollar everywhere else. The Best Buy credit card comes with an option for Account Shield(SM). This feature costs $0.90 a month per $100.00 of you average daily balance. The benefits of this plan are if you become unemployed, disabled, have a loss of life, or property damage you can cancel part of your debt. It doesn’t go into detail about how much of the debt you can cancel and you are still required to make minimum monthly payments. I would waive this service. To me it just sounds like another way for the bank to squeeze additional money out of your wallet. Even the lowest interest rate is pretty high at 19.80%. If you really like shopping at Best Buy this card might be worth it as long as you pay off your account balance every month to avoid paying interest. On March 20, 2009 all Circuit City credit cards will become BB cards. This means you can use them as a regular Best Buy credit card. They will be issuing you new cards in April so sit tight. You should probably use the newer card, although your account information will remain the same. I would suggest calling customer support if you lost the letter. Recent Reviews: Fashion Bug - Lowes - Macy's - Old Navy - Sony - WalMart

Best Buy MasterCard Review

The Best Buy Reward Zone MasterCard is part of the Reward Zone program for Best Buy customers. The regular Reward Zone program is free to participate in and anyone can become a member. With this program you earn one point for each dollar spent at Best Buy when you use your reward zone membership card (which is just like the Kroger or CVS cards for example). For every 250 points you will automatically receive a $5 gift certificate that expires in 6 months. Be especially careful with your gift certificates, because I had a few and didn’t realize that they would expire so fast, and they will not be replaced. To stay an active member you must make one purchase a year.

With the credit card you earn points for every purchase you make. Four points per dollar spent at Best Buy, two points per dollar spent at restaurants and on groceries, and one point per dollar everywhere else.

The Best Buy credit card comes with an option for Account Shield(SM). This feature costs $0.90 a month per $100.00 of you average daily balance. The benefits of this plan are if you become unemployed, disabled, have a loss of life, or property damage you can cancel part of your debt. It doesn’t go into detail about how much of the debt you can cancel and you are still required to make minimum monthly payments. I would waive this service. To me it just sounds like another way for the bank to squeeze additional money out of your wallet.

Even the lowest interest rate is pretty high at 19.80%. If you really like shopping at Best Buy this card might be worth it as long as you pay off your account balance every month to avoid paying interest.

On March 20, 2009 all Circuit City credit cards will become BB cards. This means you can use them as a regular Best Buy credit card. They will be issuing you new cards in April so sit tight. You should probably use the newer card, although your account information will remain the same. I would suggest calling customer support if you lost the letter.

Recent Reviews:
Fashion Bug - Lowes - Macy's - Old Navy - Sony - WalMart

Visitor Comments
Add your Comment December 16th 2010 AnnMarie says, I have been receiving an over amount of phone call concering my account. At least 5-6 per day. this is bordering on harassment. Call 9am-9pm/sat , sunday, and even on my cell. all this for a overdue bal of 35$ for last month? Please do not call me anymore. You can contact me either at my email or at my mailing address. enough is enough. Thank you for your attention in this matter. November 28th 2010 Guillermo says, I have been trying to log on to my account and have not been able to. I have to make a payment but can not go to my account and have not received a statement either on line or by mail. Please advise. October 12th 2010 Sahar Hakim says, I am a previous member and I am trying to get my account number to use as a credit reference. Please get back to me with a phone number. Thank you. September 8th 2010 Krista says, I have misplaced my bill and would like to know how much it owed and where I can mail it to. I can be reached at my email address. August 17th 2010 Rema asked: Need to activate new credit card sent to me. I do not have a home phone. I have a mobile phone, what should I do? Our Response: You will need to contact their customer service, but if you put your mobile phone number as your home you shouldn't have a problem. July 24th 2010 William asks, How do I check my account balance? Our reply: You can check your account by calling customer service, looking at your statement, or online at their website July 12th 2010 Erika says, Have not recieved a bill to pay my payment. I do not want to acrue late charges. Please send me a number or a bill to take care of this matter. Thank you

Visitor Comments

Add your Comment

December 16th 2010
AnnMarie says,
I have been receiving an over amount of phone call concering my account. At least 5-6 per day. this is bordering on harassment. Call 9am-9pm/sat , sunday, and even on my cell. all this for a overdue bal of 35$ for last month? Please do not call me anymore. You can contact me either at my email or at my mailing address. enough is enough. Thank you for your attention in this matter.

November 28th 2010
Guillermo says,
I have been trying to log on to my account and have not been able to. I have to make a payment but can not go to my account and have not received a statement either on line or by mail. Please advise.

October 12th 2010
Sahar Hakim says,
I am a previous member and I am trying to get my account number to use as a credit reference. Please get back to me with a phone number. Thank you.

September 8th 2010
Krista says,
I have misplaced my bill and would like to know how much it owed and where I can mail it to. I can be reached at my email address.

August 17th 2010
Rema asked:
Need to activate new credit card sent to me. I do not have a home phone. I have a mobile phone, what should I do?
Our Response:
You will need to contact their customer service, but if you put your mobile phone number as your home you shouldn't have a problem.

July 24th 2010
William asks,
How do I check my account balance?
Our reply:
You can check your account by calling customer service, looking at your statement, or online at their website

July 12th 2010
Erika says,
Have not recieved a bill to pay my payment. I do not want to acrue late charges. Please send me a number or a bill to take care of this matter. Thank you

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