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Top 10 Best Buy Credit Card

The Best Buy Credit Card is a retail credit card offered by Best Buy, providing customers with financing options and rewards for purchases made at Best Buy stores and on their website. It is issued by Citibank and comes in two versions: the My Best Buy Credit Card, which can only be used at Best Buy, and the My Best Buy Visa Card, which can be used anywhere Visa is accepted.

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The My Best Buy Credit Card offers various benefits such as flexible financing options on larger purchases, including interest-free financing for a set period and rewards points for every dollar spent at Best Buy. Cardholders can earn up to 6% back in rewards on eligible purchases, which can be redeemed for future Best Buy purchases. Additionally, the Visa version of the card also offers rewards for everyday purchases outside of Best Buy, such as 3% back on gas, 2% back on dining and groceries, and 1% back on other purchases. However, it's essential to be mindful of the high-interest rates if the balance is not paid in full by the end of the promotional financing period. Overall, the Best Buy Credit Card can be a valuable tool for frequent Best Buy shoppers, offering both savings and rewards, provided that users manage their credit responsibly.

  • Citi® Double Cash Card
    Citi® Double Cash Card

    Citi® Double Cash Card - Citi Double Cash Card: 2% cash back on all purchases.

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  • Chase Sapphire Preferred® Card
    Chase Sapphire Preferred® Card

    Chase Sapphire Preferred® Card - Travel rewards card with premium benefits and flexible points.

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  • Capital One® Venture® Rewards Credit Card
    Capital One® Venture® Rewards Credit Card

    Capital One® Venture® Rewards Credit Card - Travel rewards, 2x miles on purchases, flexible redemption options.

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  • American Express® Gold Card
    American Express® Gold Card

    American Express® Gold Card - Rewards points, dining perks, and travel benefits.

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  • Discover it® Cash Back
    Discover it® Cash Back

    Discover it® Cash Back - Discover it® Cash Back offers 5% rotating category rewards.

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  • Bank of America® Cash Rewards credit card
    Bank of America® Cash Rewards credit card

    Bank of America® Cash Rewards credit card - Earn cash back on everyday purchases with flexible rewards.

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  • Wells Fargo Active Cash℠ Card
    Wells Fargo Active Cash℠ Card

    Wells Fargo Active Cash℠ Card - Unlimited 2% cash rewards on purchases, no annual fee.

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  • Blue Cash Preferred® Card from American Express
    Blue Cash Preferred® Card from American Express

    Blue Cash Preferred® Card from American Express - High cashback on groceries, streaming, gas, and transit.

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  • U.S. Bank Altitude® Go Visa Signature® Card
    U.S. Bank Altitude® Go Visa Signature® Card

    U.S. Bank Altitude® Go Visa Signature® Card - No annual fee, high rewards dining, versatile points.

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Top 10 Best Buy Credit Card

1.

Citi® Double Cash Card

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The Citi® Double Cash Card is a versatile cash-back credit card offering 2% cash back on all purchases: 1% when you buy and an additional 1% when you pay off the balance. It features no annual fee and a 0% introductory APR on balance transfers for 18 months, followed by a variable APR. The card also includes benefits like Citi Entertainment access and protection features, making it a solid choice for straightforward cash-back rewards and financial flexibility.

Pros

  • pros 2% cash back on all purchases
  • pros no annual fee
  • pros flexible redemption options
  • pros long intro APR on balance transfers
  • pros easy to track rewards.

Cons

  • consNo intro APR on purchases
  • cons foreign transaction fee
  • cons balance transfer fee
  • cons cash back can expire
  • cons limited additional benefits.
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2.

Chase Sapphire Preferred® Card

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The Chase Sapphire Preferred® Card is a popular travel rewards credit card offering substantial benefits, including 2x points on travel and dining and 1x points on all other purchases. Points can be redeemed through Chase Ultimate Rewards® for travel, cash back, or gift cards. Cardholders receive a 25% points bonus when booking travel through Chase. The card also includes valuable perks like primary rental car insurance and no foreign transaction fees, making it ideal for frequent travelers.

Pros

  • pros High rewards on travel and dining Valuable sign-up bonus No foreign transaction fees Comprehensive travel insurance Points transfer to travel partners

Cons

  • consAnnual fee Requires good credit Limited lounge access No intro APR offer Rewards redemption complexity
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3.

Capital One® Venture® Rewards Credit Card

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The Capital One® Venture® Rewards Credit Card is a popular travel rewards card offering 2X miles per dollar on every purchase. It features a generous sign-up bonus, flexible redemption options for travel expenses, and no foreign transaction fees. With an annual fee of $95, cardholders also enjoy travel benefits such as travel accident insurance and extended warranty protection. Ideal for frequent travelers, it combines simplicity and value in earning and redeeming travel rewards.

Pros

  • pros High rewards rate
  • pros Flexible redemption options
  • pros No foreign transaction fees
  • pros Sign-up bonus
  • pros Travel benefits.

Cons

  • cons Annual fee
  • cons Limited travel partners
  • cons Requires good credit
  • cons No introductory APR
  • cons Rewards redemption complexity.
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4.

American Express® Gold Card

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The American Express® Gold Card is a premium charge card offering robust rewards, particularly for dining and supermarket purchases. Cardholders earn 4X Membership Rewards® points at restaurants and U.S. supermarkets (up to $25,000 annually). It also features 3X points on flights booked directly with airlines or via Amex Travel. Benefits include dining credits, travel protections, and no foreign transaction fees. With a stylish metal design, it's ideal for frequent travelers and food enthusiasts seeking valuable rewards and perks.

Pros

  • pros High rewards on dining
  • pros Generous grocery rewards
  • pros No foreign transaction fees
  • pros Annual dining credits
  • pros Flexible redemption options.

Cons

  • cons High annual fee
  • cons Limited acceptance abroad
  • cons Rewards categories capped
  • cons Complex rewards system
  • cons Requires good to excellent credit.
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5.

Discover it® Cash Back

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The Discover it® Cash Back is a popular credit card that offers 5% cash back on rotating quarterly categories such as groceries, gas, and restaurants, up to a quarterly maximum, after enrollment. Cardholders earn 1% cash back on all other purchases. Notably, Discover matches all the cash back earned in the first year for new cardholders. The card features no annual fee, a 0% introductory APR on purchases and balance transfers for 15 months, and free access to FICO® credit scores.

Pros

  • pros No annual fee
  • pros 5% cash back in rotating categories
  • pros Cashback match first year
  • pros No foreign transaction fees
  • pros Free FICO score.

Cons

  • consRotating categories need activation
  • cons 1% cash back on other purchases
  • cons Limited acceptance abroad
  • cons Cash back capped quarterly
  • cons Requires good credit.
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6.

Bank of America® Cash Rewards credit card

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The Bank of America® Cash Rewards credit card offers flexible cash back rewards, allowing cardholders to earn 3% in a category of their choice, 2% at grocery stores and wholesale clubs, and 1% on all other purchases. There’s no annual fee, and new cardholders can benefit from a competitive introductory APR on purchases and balance transfers. The card also features rewards bonuses for Bank of America Preferred Rewards members, enhancing its value for loyal customers.

Pros

  • pros Flexible rewards categories
  • pros No annual fee
  • pros Intro APR on purchases
  • pros Cash rewards never expire
  • pros Mobile app integration.

Cons

  • consLimited redemption options
  • cons Foreign transaction fees
  • cons High regular APR
  • cons May require excellent credit
  • cons Low base rewards rate.
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7.

Wells Fargo Active Cash℠ Card

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The Wells Fargo Active Cash℠ Card is a versatile credit card offering unlimited 2% cash back on all purchases, making it ideal for everyday spending. It features a $0 annual fee and a generous introductory 0% APR on purchases and balance transfers for the first 15 months. Cardholders also benefit from various perks, including cell phone protection, zero liability protection, and access to Visa Signature® benefits. It's a straightforward option for those seeking consistent rewards and financial flexibility.

Pros

  • pros 2% cash back on purchases
  • pros no annual fee
  • pros intro APR offer
  • pros welcome bonus
  • pros cell phone protection.

Cons

  • consForeign transaction fees
  • cons limited rewards categories
  • cons high APR after intro period
  • cons no travel benefits
  • cons redemption options limited.
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8.

Blue Cash Preferred® Card from American Express

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The Blue Cash Preferred® Card from American Express offers exceptional rewards for everyday spending, particularly on groceries and streaming services. Cardholders earn 6% cash back at U.S. supermarkets (up to $6,000 annually), 6% on select U.S. streaming subscriptions, 3% on transit and U.S. gas stations, and 1% on other purchases. It features a $0 introductory annual fee for the first year, then $95. Additional benefits include a welcome offer and various purchase protections, making it a top choice for families and frequent spenders.

Pros

  • pros High cash back on groceries
  • pros Cash back on streaming services
  • pros No annual fee first year
  • pros Travel protections
  • pros Access to Amex offers.

Cons

  • consHigh annual fee after first year
  • cons Limited acceptance internationally
  • cons Requires good credit
  • cons Cash back is capped
  • cons Foreign transaction fees apply.
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9.

U.S. Bank Altitude® Go Visa Signature® Card

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The U.S. Bank Altitude® Go Visa Signature® Card is a rewards credit card that offers 4x points on dining, takeout, and restaurant delivery, 2x points at grocery stores, gas stations, and on streaming services, and 1x points on all other purchases. It features no annual fee, a generous sign-up bonus, and an annual $15 streaming service credit. Ideal for foodies and streaming enthusiasts, it also provides various Visa Signature benefits, including travel and purchase protections.

Pros

  • pros No annual fee
  • pros High rewards on dining
  • pros Intro APR on purchases
  • pros No foreign transaction fees
  • pros Flexible redemption options.

Cons

  • consNo travel transfer partners
  • cons Limited bonus categories
  • cons Requires good/excellent credit
  • cons No airport lounge access
  • cons Moderate rewards on non-bonus spend.
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