My Best Buy

Verified: October 2026 — against official program terms

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.

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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.

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How Does My Best Buy Work?

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, or 6% back with the card on standard credit. 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).

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How to Get the Most From My Best Buy

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, 6% with Plus/Total) unless you 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.

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How to Redeem My Best Buy Points

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.

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My Best Buy — What to 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.

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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.

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My Best Buy Quick Reference

As of October 2026