My Best Buy

In this guide

What Is My Best Buy?

My Best Buy is the loyalty program for America's largest electronics retailer, covering ~1,050 stores and bestbuy.com. The free tier gives you free shipping and purchase history but no rewards points without a Best Buy credit card. Starting 4 June 2026, paid Plus and Total members earn 1% back on eligible purchases without needing the card — and stack to 6% back with the card. Free-tier members still need the credit card to earn anything.

When Is My Best Buy Worth It?

Free tier without the credit card: $0/year in rewards. You get free shipping and that's about it.
Plus or Total tier without the credit card (from 4 June 2026): $100/month at Best Buy = $12/year back at 1%. Heavy spenders ($300/month) see $36/year.
With the credit card: $100/month = $60/year at 5%. Plus/Total members stack to 6% = $72/year. Heavy spenders ($300/month) see $216/year.

Recent changes: Effective 4 June 2026, Plus and Total members earn 1% back on eligible purchases again (no credit card needed) — partially reversing the February 2025 cardholder-only policy. Free-tier members still earn nothing without the card. At the same time, Plus drops from $49.99 to $29.99/year and Total rises from $179.99 to $199.99/year. A new digital membership hub on the Best Buy website and app makes it easier to track rewards.

How It Works

Where it works: Best Buy stores and bestbuy.com only — this is a single-retailer program with no partner network.

What you earn: 2.5 points per $1 with the Best Buy credit card at Best Buy (= 5% back). From 4 June 2026, Plus and Total members also earn 0.5 points per $1 (= 1% back) without the card, stacking to 6% back when Plus/Total members use the credit card. The Visa version also earns 3% at gas stations, 2% at restaurants and grocery stores, and 1% on everything else. Free-tier members without the credit card earn nothing.

How you get it back: Every 250 points = a $5 reward certificate (1 point = $0.02). Use certificates at checkout in-store or online.

What it costs: Free to join. Paid tiers (effective 4 June 2026): Plus ($29.99/year, down from $49.99) for member pricing, 2-day shipping, and 60-day returns. Total ($199.99/year, up from $179.99) adds Geek Squad support and product protection. Both paid tiers also earn 1% back without the credit card from that date.

How to sign up: Create a free account on the Best Buy website in under 2 minutes — no physical card needed. Your membership number lives in your account. You can scan your membership barcode into SuperCards via screenshot for quick access at checkout.

Member perks: Plus and Total members get exclusive member-only pricing on thousands of items and early access to sales and product drops. Total members get 24/7 Geek Squad support for any tech (even devices not bought at Best Buy) and up to 24 months of product protection.

Good to know: When using the credit card, you must choose between 5% rewards OR promotional financing on each purchase — you can't get both. Points vest 15 days after purchase. Reward certificates expire 60 days after being issued, so use them or convert to gift cards (see Pro Tips).

The 3 Moves That Actually Matter

1. Price match before and after every purchase

Best Buy matches prices from Amazon, Walmart, Target, Costco, and 15+ other major retailers. Check competitor prices before buying, and if the price drops within 15 days (60 days for Plus/Total members), request a retroactive match online, by phone, or in-store. This stacks with your credit card rewards — you get the lower price and the 5% back.

2. Check open-box and outlet before buying new

Best Buy's open-box section offers returned and display items at 10-30%+ off. Major appliances and laptops after back-to-school season are the best finds. Open-box items carry the same return policy as new products. Check the outlet section on the Best Buy website before any purchase — it takes 10 seconds and can save you hundreds.

3. Always choose "standard credit" for the 5% back

When paying with your Best Buy credit card, the register asks whether you want rewards or financing. Always pick standard credit (5% rewards) unless you genuinely need to spread payments over months. The financing option uses deferred interest — if you don't pay the full balance before the promo ends, you owe retroactive interest at ~31% APR from day one. The 5% in rewards is the safer, better deal for most purchases.

Get Your Points Out (Best → Worst)

Convert to Best Buy gift card — Same $0.02/point value, but the gift card never expires. Requires point banking to be enabled (see Pro Tips).

Use reward certificates at checkout — $5 per 250 points, in-store or online. Simple, but certificates expire in 60 days.

There's a way to keep your rewards from ever expiring and earn targeted bonuses on top — see Pro Tips below.

Letting certificates auto-issue and expire — This is the #1 way people lose money. Certificates auto-generate and expire silently. Enable point banking to stop this.

Watch Out For

  • Certificates expire in 60 days. If you don't enable point banking, points auto-convert to certificates that expire whether you notice or not. Best Buy will not reissue expired certificates.
  • Financing ≠ free money. Deferred interest at ~31% APR kicks in retroactively on the entire purchase if you miss the payoff deadline by even a day.
  • Free tier still earns nothing. Free-tier members without the Best Buy credit card earn zero points — that part of the February 2025 change persists. Plus and Total members earn 1% back from 4 June 2026 onward without needing the card.
  • You can't earn rewards on tax. Points are calculated on the pre-tax purchase amount.

When to Skip My Best Buy

  • If you're on the free tier and won't get the credit card: Without either, there are no points to earn. Cashback portals will give you 2-4% at Best Buy with no credit card required. (Plus and Total members do earn 1% from 4 June 2026 onward.)
  • If you rarely buy electronics: Spending under $500/year at Best Buy earns you $25 in rewards. That's fine if it's effortless, but not worth optimizing around.
  • For everyday spending: The Visa card's non-Best-Buy rates (1-3%) are mediocre. A general-purpose cashback card will beat it outside Best Buy.

🔥 Pro Tips — For the Optimization Nerds

Exclusive to SuperCards — free download

These insider strategies are available exclusively in the free SuperCards app.

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Quick Reference

CostFree (Plus $29.99/yr, Total $199.99/yr — from 4 June 2026)
Earn rate2.5 points per $1 with credit card; 0.5 points per $1 for Plus/Total without card (from 4 June 2026)
Point value1 point = $0.02
Effective cashback6% (Plus/Total + card) / 5% (free tier + card) / 1% (Plus/Total without card) / 0% (free tier without card)
Points expireNo (with point banking on); certificates expire in 60 days
Best redemptionGift card conversion (non-expiring) or certificates at checkout
Websitebestbuy.com

As of May 2026

Other programs in the US

CVS ExtraCare
Free loyalty program at 9,000+ CVS pharmacies — 2 % back as ExtraBucks Rewards ($1 = $1 off next purchase) plus stackable weekly promos, coupons and pharmacy rewards; ~$50–100+/year.
myWalgreens
Walgreens' free loyalty program at ~8,000 US locations — 1 % Walgreens Cash on everything plus member-only pricing and digital coupons where the real savings hide ($50–150/year).
Kroger Plus Card
Free loyalty program for the largest US supermarket chain (2,700+ stores under Ralphs, Fred Meyer, Harris Teeter, King Soopers, Fry's) — fuel points for discounts at Kroger Fuel Centers and Shell stations.
Costco
Paid warehouse club ($65/year base, $130 Executive) — bulk groceries, electronics, gas, pharmacy, optical and travel at ~15 % markup; Executive earns 2 % annual reward; realistic savings $200–600/year.
Food Lion MVP Card
Free loyalty card unlocking member-only pricing and digital coupons at 1,100+ Food Lion stores across 10 Southeast/Mid-Atlantic states — savings instant at checkout, ~$15–40/month.
Sam's Club
Warehouse club at ~600 US locations ($60/year base; $120 Plus tier earns 2 % Sam's Cash) — bulk pricing on groceries, electronics, tires, fuel and more.
YMCA
Paid membership at 2,597 US YMCA locations — gym access, pools, group fitness, free childcare during workouts plus nationwide reciprocity, $30–90/month adults, $80–140 families.
Starbucks Rewards
Starbucks' free loyalty program — Stars on every purchase across three tiers (Green/Gold/Reserve as of March 2026), baseline 5–6 % return, redeemable for free drinks, food and customizations.
ScoreCard
Free loyalty program from DICK'S Sporting Goods + Golf Galaxy, Public Lands and Going Going Gone — 1 point/$, $10 reward per 300 points (3.33 % back) plus MOVE fitness tracker bonus.
MyPanera
Panera Bread's free loyalty program at 2,200+ US locations — transitioning to transparent 10 points/$ system in 2026; paid Unlimited Sip Club add-on ($14.99/month) is the standout.
MyLowe's Rewards
Lowe's free loyalty program at all 1,700+ US stores — 1 % back as MyLowe's Money credit (1.5 % beyond $2,000/year) plus free shipping perks and quarterly member sales events.
Ace Rewards
Free loyalty program for Ace Hardware (5,200+ locally-owned stores in US) — 10 points/$ with 2,500 points = $5 reward (2 % back), no credit card required.
AAA
America's largest membership organization ($65–125/year) — 24/7 roadside assistance, 100,000+ partner discounts, identity theft monitoring and travel agency; active members save $200+/year.
BJ's Wholesale Club
Warehouse club at ~280 locations across 21 Eastern US states ($60/year Club Card; $120 Club+ earns 2 % back) — warehouse pricing 25–40 % below retail plus coupon stacking advantage over Costco.
My Sheetz Rewardz
Free loyalty program for Sheetz convenience stores (820+ across 7 Mid-Atlantic and Midwestern states) — 5 points/$ for free items plus instant 3¢/gallon off fuel just for signing up (3–5 % effective).
ShopRite Price Plus Club
Free loyalty card at ~313 ShopRite stores across 6 northeastern states — instant member-only pricing on hundreds of items plus digital coupons; realistic savings $150–400+/year.
Harris Teeter VIC Card & Fuel Points
Free VIC card unlocking sale prices at ~260 Harris Teeter stores in southeastern US — also earns Fuel Points (1/$) redeemable for up to $1/gallon off at Harris Teeter Fuel Centers, BP and Amoco.
Ingles Advantage Card
Free loyalty card for Ingles Markets (197 stores across NC, GA, SC, TN, VA, AL) — member-exclusive pricing on thousands of items plus fuel points at Ingles Gas Express and participating stations.
Giant Eagle myPerks
Giant Eagle's free loyalty program at ~200 supermarkets in PA, OH, WV, MD, IN — 2 % back as perks redeemable for groceries or fuel at GetGo stations; better with Pro status or Own Brand.
Weis Rewards
Weis Markets' free loyalty program (~200 stores across PA, MD, NY, NJ, DE, WV, VA) — 1 point/$, redeemable for fuel discounts or deeply discounted grocery items; realistic $40–80/year.
Dunkin' Rewards
Dunkin's free loyalty program at ~10,000 US locations — 10 points/$ on coffee, donuts and breakfast, redeemable for free drinks and food starting at 150 points (5–6 % base return on drinks).
Stop & Shop GO Rewards
Stop & Shop's free loyalty program at ~365 Northeast US supermarkets (MA, CT, NJ, NY, RI) — 1 point/$ redeemable for grocery discounts or fuel savings at Stop & Shop and Shell.

Keep all your cards in one app

Add your loyalty cards to SuperCards and never forget to scan.

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