Earn 5% back in points at Best Buy and up to 3% on everyday purchases

Best Buy® Visa® Card: Calculator & My Best Buy Points Breakdown

Fees

Earning Rates

Earn 2.5X points in-store and online with Best Buy.
Earn 1.5X points on gas purchases.
Earn 1X point on dining, takeout, and grocery purchases.
Earn 0.5X points on all other purchases.

Main Benefits

Option to choose financing on large purchases
Cardmember exclusive offers

Our Take

The Best Buy Visa Card is a great option if you're looking to earn a 5% return shopping in-store or online at Best Buy along with a decent return across several other categories. You'll also be able to enjoy Best Buy's financing program which allows you to receive financing on purchases of $199 and up.

Last Updated: 04-10-2025

Best Buy Visa Points Calculator

Use this calculator to estimate how many My Best Buy® points you’ll earn with the Best Buy Visa® Card. Get 5% back at Best Buy (6% for Elite Plus members), 3% back on gas, 2% on dining and groceries, and 1% on all other purchases.

Quick Card Overview

Calculator Options

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present.

Change Card Name

Name the card something else for your own records.

Add To Column

Edit Card Name

Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.

Quick Assign

Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.

If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.

NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.

Statuses

Add To Column

Status Value Based On

Clears all spend from a single column or all columns in the calculator. This resets the spend to 0 (zero) for each field, sets the time unit back to 'Monthly' and resets the currency to column's default.

Remove all credit card selections from a single column or all columns in the calculator.

^*NOTE: This has no impact on columns that feature only one credit card.

If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.

Removes all categories from the Spend Categories section (for all columns).

Category:

Spend:

Select the card you will use for this category.

Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.

No Selection

Apply the selected card to all categories in this column.

Credit Cards

Search Cards

Search through our credit card database by keyword. This is the most basic of searches. Keywords include:

Credit card name (e.g. Chase Sapphire Reserve, American Express Gold Card)
Credit card code (e.g. PLAT, CSR, VEN)
Issuing bank (e.g. American Express, Chase, U.S. Bank)
Currency (e.g. Membership Rewards Points, Altitude Points, Delta SkyMiles)
Network (e.g. Visa, Mastercard, Discover)

Enter spaces between keywords. Click on a card to view the details as well as the option to add it to the tool.

Show Unavailable Cards

When On, credit cards that are discontinued or currently unavailable will show up in the list.

Credit Card Codes

Enter credit card codes (3-13 characters each).

Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
Use (,) comma to start a new column. (e.g. PLAT + PRG2, BINKP, CSR + CSP)
Skip columns with empty entries (,,). (e.g. ,, PRG2)
Spaces are ignored.
Max: 10 columns. No max on cards in a column... at the moment.

New cards will be added to the tool along with any already existing entries. When adding more than one card to a column, there will be no selected cards for the column (as in, you will have to select which cards you'll use for each category manually).

(I apologize in advance for some of the codes these credit cards have.)

Not Found:

Add All Categories

When On, adds all the spend categories from each of the cards above.

Welcome To Our Credit Card Calculator Tool

Use this tool to calculate total credit card earnings and the overall cash value of credit cards side-by-side.

To get started, to the calculator.

Currency Worth

Memberships / Loyalty

Spend Categories

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

My Best Buy® Visa® Card Details

Earning Rates

The My Best Buy Visa Card earns rewards at the following rates:

2.5 points (5% back) per $1 spent in-store and online with Best Buy.
1.5 points (3% back) per $1 spent on gas purchases.
1 point (2% back) per $1 spent on dining, takeout, and grocery purchases.
0.5 points (1% back) per $1 spent on all other purchases.

Rewards Value & Calculator

Loading Info

Key Benefits

Here are the benefits of the My Best Buy Visa Card:

Flexible Financing Options: Opt in for financing on a Best Buy purchase instead of earning 5% back.

Fees

Annual Fee

The Best Buy Visa has no annual fee.

Store & Retail Rewards Calculators & Guides

Best Buy Points Calculators All Store Rewards Calculators

Use Our Calculator To Maximize Your Rewards

Discover personalized credit card options that match your spending habits and maximizes your rewards.

View the highest offers from our partners and input your monthly and yearly spend amounts into our easy-to-use calculator to find the best credit card options for you!

Travel Cash Back Airline Hotel Rewards Business

Best Buy® Visa® Card: Calculator & My Best Buy Points Breakdown

Fees

Earning Rates

Main Benefits

Our Take

Best Buy Visa Points Calculator

Card Details All links open in new tab (so you will not lose your calculations).

Edit Card Details

Edit Card Name

Quick Assign

Currency Codes

Currency Name

Add Status / Loyalty

Clear / Remove...

Clear Spend

Remove Credit Card Selections

Remove All Categories

Card Select

Currency Controls

Currencies

Currency Conversions

Set Column Currency

Credit Cards

Currency Worth

Memberships / Loyalty

Spend Categories

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

My Best Buy® Visa® Card Details

Earning Rates

Rewards Value & Calculator

Key Benefits

Fees

Annual Fee

Store & Retail Rewards Calculators & Guides

Calculator: What's The Value of Best Buy Points?

Calculator: Best Buy Visa Card

Calculator: Best Buy Credit Card

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