Best Buy Credit Card — Interest

: 30.74% for regular purchases on both the My Best Buy® Visa and Store cards. Cash Advance APR : 29.99% variable. Minimum Interest Charge : Up to $2 per billing cycle. Late Payment Fee : Up to $41 . Promotional Financing & "The Trap"

Best Buy frequently offers 0% interest for on qualifying purchases. Storewide Financing Details - Best Buy best buy credit card interest

The (issued by Citibank, N.A.) features high standard interest rates and complex promotional financing rules. While it offers enticing 0% interest periods, these are deferred interest plans, meaning failing to pay the balance in full by the deadline results in retroactive interest charges. Current Interest Rates (as of April 2026) these are deferred interest plans