Best Buy Credit Card? Know This Before You Apply!

Where you can talk about store credit cards, like gas station cards, department store cards, etc.
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joshua.groll
 
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Postby joshua.groll » Sun Apr 21, 2013 9:22 pm

The in store credit card is actually pretty good....the zero interest is useful if you're responsible and make your payments on time. If not, well then you deserve to get hit with interest.

In addition, the "review" at the top of the page states incorrect information. If you have standard reward zone without a credit card, you get 1 point per dollar. With the reward zone credit card, you get 2.5 points per dollar, and I believe you get even more if you're a premier silver member. Let's get the facts straight.

Best Buy Credit Card & Reward Zone MasterCard - Best Buy


FutureBillionaire
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Postby FutureBillionaire » Mon Apr 22, 2013 5:57 pm

joshua.groll wrote:The in store credit card is actually pretty good....the zero interest is useful if you're responsible and make your payments on time. If not, well then you deserve to get hit with interest.

In addition, the "review" at the top of the page states incorrect information. If you have standard reward zone without a credit card, you get 1 point per dollar. With the reward zone credit card, you get 2.5 points per dollar, and I believe you get even more if you're a premier silver member. Let's get the facts straight.

Best Buy Credit Card & Reward Zone MasterCard - Best Buy


Sounds like a Best Buy employee.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
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Z06Biker
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Postby Z06Biker » Mon Apr 22, 2013 7:10 pm

Especially that being his/her very first forum post.

Yes, "the zero interest is useful if you're responsible and make your payments on time." But then, 0% APR is also useful on other no annual fee credit cards that actually have awards that put the beat-down on the BB card like The Rock does on John Cena.
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
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DavidNY
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Postby DavidNY » Mon Apr 22, 2013 10:34 pm

Considering Worst Buy's jacked up prices the least (and apparently most) they can do is give 0% APR for a while.

FutureBillionaire
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Postby FutureBillionaire » Mon Apr 22, 2013 11:02 pm

I don't shop there anymore. There used to be one close to my house that I would go in, but now it's closed. I'd rather shop at Amazon.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

FutureBillionaire
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Postby FutureBillionaire » Mon Apr 22, 2013 11:12 pm

DavidNY wrote:Considering Worst Buy's jacked up prices the least (and apparently most) they can do is give 0% APR for a while.


Also, I just tried to pm you. It didn't work. I saw something interesting...
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

LadyinRed
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Postby LadyinRed » Fri Apr 26, 2013 8:53 pm

I have a Best Buy credit card. Not the master card, but the store card. I really like it because I use it properly. The 0% interest for 18 months is really awesome. Just make sure you pay it off in that time and you're fine. If you don't, you have to pay allllllll that interest starting from the first day.

I understand you can get 0% interest on promo offers for other credit cards, but with the Best Buy card you get it for every purchase over a certain amount, so you don't have to keep opening new lines of credit. Also you get 2% rewards back. And you get 4% rewards back if don't use their financing.

I mean, just pay it off in time and it's a great card. If you don't, then it's a terrible card.
AMEX: Blue Cash Preferred (6% on groceries, 3% gas & dept stores)
Capital One: Venture (2 points per $1, equivalent to 2%)
Chase: Freedom (rotating 5% categories), Disney Rewards (1 point per $1, Disney benefits)
US Bank: Cash+ (5% bookstores / 5% Electronic Stores)

Complete
 
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best buy credit card ripoff

Postby Complete » Fri May 17, 2013 12:19 am

On 4/24/13, I received a collect call from Best Buy Master Card stating that I was late in payments.

I was surprised because I pay off this card on 10/25/12 (6 months ago) and I just make a transaction (school payment) on 4/20/13 (4 days ago) for $300.00. The agent tall me, after verifying my account that the reason I was delinquent was because the bank charged me $49.00 annual fee plus $25 late fee and $2.33 interest.

I call costumer service to clarify the charges and closed my account. After an argument with the agent, he tall me "you I agreed to the conditions when you made the transaction" I was never told about the annual fee.

I am disputing these absurd charges on grounds of misrepresentation and improper disclosure; I was not aware of this annual fee, when I open this card (in best buy) I was lured for a 5% discount on my purchase, I was never told of an annual fee, and I don't have any records of it.

To make things worse, after I explain this to the agent, it was clear to me that he dint care! So, I am reporting them to every agency possible, and I closed all my accounts with CAPITAL ONE. They may take $76.33 from me, but I will burn them, and they lost a customer and my family for life. Actually, I am closing all credit cards! I learn my lesson!

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Postby im_mr_awesome » Fri May 17, 2013 7:28 pm

I have a Best Buy Reward Zone credit card (not the mastercard) and I'm Premier Silver. I get 4 points per dollar on non-financing purchases and 2 points per dollar on financing purchases, if the terms are still the same as they used to be. I like to do non-financing and then balance transfer onto one of my zero percent cards at the end of the month so I can rack up a bunch of Reward Zone points for free holiday shopping.
Scores on the mend...
FICO: 650 (Discover/TU, 6/23/2016)
Cards I Use Citi Double Cash, Chase Amazon, Capital One QuickSilver
Sock Drawer Discover IT, Citi Diamond Preferred, AE Visa, QuickSilver One, Walmart CC, CareCredit, CreditOne (keeping for history for now)
Short Goal Reach 680

im_mr_awesome
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Postby im_mr_awesome » Fri May 17, 2013 7:30 pm

Best buy used to tell people they were applying for the Best Buy Reward Zone MasterCard, which didn't have an annual fee. If your credit wasn't to their liking, they would bump you down to the RZ MasterCard that DOES have an annual fee. This should be in the credit card pamphlet they give out. I went for the normal store financing card, as there is no annual fee and at the time the financing offers weren't available on the reward zone mastercard.
Scores on the mend...
FICO: 650 (Discover/TU, 6/23/2016)
Cards I Use Citi Double Cash, Chase Amazon, Capital One QuickSilver
Sock Drawer Discover IT, Citi Diamond Preferred, AE Visa, QuickSilver One, Walmart CC, CareCredit, CreditOne (keeping for history for now)
Short Goal Reach 680



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