My Best Buy® Visa® Card

Synchrony Visa Pending

Back Apply Now

6

Benefits

2

Reward Categories

2.5x

Max Reward

31.5%

APR From
Basic Information
PENDING

Program ID: my-best-buy-credit-card

Issuer: Synchrony

Card Name: My Best Buy® Visa® Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 06:36

Last Scraped: Feb 17, 2026 06:39

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank provides assistance to eligible servicemembers and their families, who may be entitled to benefits and protections under the Servicemembers Civil Relief Act (SCRA).

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Best Buy Purchases (Standard Credit) 2.5x Points Earn 2.5 points per $1 spent on qualifying Best Buy purchases when choosing Standard Credit. No Cap
Best Buy Purchases (Flexible Financing) 1x Points Earn 1 point per $1 spent on qualifying Best Buy purchases when choosing Flexible Financing. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 2.5x

Categories: 2.5x on Best Buy purchases

Quarterly Rotating: No

Expiration Policy: Points expire 12 months from the date they are earned. Reward certificates expire 60 days from issuance.

Point Value: 0.02¢

Travel Portal Multiplier: 1x

Redemption Penalties: Reward certificates are issued in $5 increments. Minimum redemption of $5 required.

Benefits & Protections (Detailed) 6 Total
PENDING
Financial 1
No Annual Fee
$0

There is no annual fee charged for maintaining the My Best Buy Credit Card account.

Shopping 3
Best Buy Rewards Points Earning (Store Card)
5% back in rewards

Earn 2.5 points per $1 spent on qualifying purchases made at Best Buy when choosing Standard Credit. These points equate to 5% back in My Best Buy rewards.

Special Financing Offers
Varies by offer

Access to promotional financing options, such as deferred interest or 0% APR for a specified period, on qualifying purchases made at Best Buy. Specific offers and minimum purchase amounts vary.

Exclusive Cardmember Offers
Varies by offer

Cardmembers receive access to exclusive discounts, promotions, and special events tailored specifically for My Best Buy Credit Card holders.

Status Benefits 2
My Best Buy Elite Status Earning
Elite status upon $1,500 annual spend

Using the My Best Buy Credit Card for qualifying purchases at Best Buy contributes towards achieving My Best Buy Elite status when annual spending reaches $1,500. Elite status unlocks benefits like 45-day return periods and exclusive member pricing.

My Best Buy Elite Plus Status Earning
Elite Plus status upon $3,500 annual spend

Using the My Best Buy Credit Card for qualifying purchases at Best Buy contributes towards achieving My Best Buy Elite Plus status when annual spending reaches $3,500. Elite Plus status unlocks premium benefits like 60-day return periods, free 2-day shipping, and exclusive member pricing.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 31.49% - 31.49%

Cash Advance APR: 31.49%

Intro APR Offers

Promo Financing: Special Financing

⚠️ Interest will be charged to your account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum monthly payments are required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Supported
Application Process
Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: For 2026, the My Best Buy Credit Card (issued by Synchrony) is projected to continue its core offering of special financing promotions (e.g., 0% APR for X months on qualifying Best Buy purchases over a specified minimum, typically $299-$399) and ongoing rewards (e.g., 5% back in rewards on Best Buy purchases for standard cardholders, higher tiers may receive more). Eligibility requirements include: being at least 18 years of age (19 in AL/NE), possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), having a verifiable U.S. residential address, and demonstrating sufficient income to meet payment obligations. Applicants are generally expected to have a fair to good credit history for the store-only version, while the co-branded Visa version typically requires good to excellent credit. Synchrony assesses overall creditworthiness, including existing debt and payment history.

Max Cards Per Issuer: 4

Min Spend Interval: Not applicable for core benefits (ongoing rewards/financing). If a sign-up bonus is offered, it typically requires a first purchase or spending a small amount within 30-90 days.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, excessive credit applications in a short timeframe, consistent missed payments or delinquency, suspected fraudulent activity, abuse of promotional financing terms (e.g., making minimum payments and then defaulting on deferred interest), or significant changes in credit profile indicating increased risk.

Cliff Effect Rules: Synchrony generally treats each credit product independently. There are no known 'cliff effect' rules or complex family restrictions that impact eligibility or benefits across different Synchrony-issued cards. Benefits are tied directly to the specific card product.

Special Events: Best Buy's major sales events (e.g., Black Friday, Cyber Monday, Presidents' Day, Memorial Day, 4th of July, Back-to-School), new product launches, and exclusive My Best Buy member events. Cardholders often receive early access or enhanced financing during these periods.

Holiday Promos: Primarily November (Black Friday/Cyber Monday) through December (Christmas/Holiday shopping season), and potentially early January sales. Special financing and reward offers are common during these peak retail periods.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Frequent Best Buy shoppers benefit from high reward rates (5-6%) and special financing options on large purchases. Easy approval for store loyalists.

Top Negative:
High standard APR, limited value outside Best Buy for the store-only version, potential for customer service issues with Synchrony, and complexity of promotional financing terms.

Approval Experience: 72.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature
  • Citi Custom Cash Card
  • Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 68.0 / 100

Est. Annual Rewards: $160.00

Approval Probability: 78.0%

Version Control
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