Best credit card to use at Best Buy
Updated October 30, 2026
U.S. Bank Cash+ earns the most at Best Buy: 5% cash back. Best Buy usually codes as electronics stores. Pick electronics stores as a bonus category (each quarter). Up to $2,000 of spending a quarter, then 1% cash back.
Top 10 cards at Best Buy
- 1U.S. Bank Cash+ 5%
U.S. Bank · No annual fee- Pick electronics stores as a bonus category (each quarter)
- Up to $2,000 of spending a quarter, then 1% cash back
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From the issuers' terms
- U.S. Bank Cash+: “5% cash back on two categories you choose” usbank.com, checked 2026-10-24.
- My Best Buy Visa: “All qualifying purchases at Best Buy® earn 5% back” citi.com, checked 2026-10-24.
- Citi Double Cash: “Earn unlimited 1% cash back when you buy, plus an additional 1% as you pay” citi.com, checked 2026-10-26.
How this is ranked
Every personal card earnrate tracks, each set up at its best for this purchase: the right bonus-category pick, any activation done, and no spending cap used up yet. Points are counted at 1¢, what most are worth as cash or travel credit; transferring them to airlines or hotels can be worth more. Annual fees aren't subtracted here; to weigh them against your own spending, use My spending.