/thinkstockphotos_493208894-5bfc2b9746e0fb0051bde2b8.jpg "Can the My Best Buy Credit Card Be Used Anywhere? 1")
The My Finest Purchase bank card is a type of in-store credit score and so can solely be utilized in Finest Purchase shops and when making purchases on-line by means of the Finest Purchase web site. Exterior of Finest Purchase, the cardboard is just not accepted, since it isn’t related to any main monetary card networks comparable to MasterCard, Visa, American Categorical or Uncover. Nevertheless, Finest Purchase does additionally provides the Finest Purchase Mastercard or Visa bank card that can be utilized wherever MasterCard-branded playing cards are accepted.
Key Takeaways
- The My Finest Purchase retailer bank card can solely be used at Finest Purchase shops and web sites, providing cardholders incentives like 5% money again and zero-interest financing on purchases.
- Like many different retailer credit score applications, the cardboard can’t be used to make purchases elsewhere, comparable to on Amazon.
- Finest Purchase does, nonetheless, supply a branded Visa or Mastercard which can be utilized wherever on the planet.
The My Finest Purchase Credit score Card
The My Finest Purchase retailer bank card is issued by Citibank, and it’s designed to learn prospects who can use this card solely at Finest Purchase shops and its web site. Subsequently, it isn’t a normal bank card that can be utilized elsewhere, comparable to on Amazon or WalMart.
The principle benefit of the cardboard is that it provides 5% again in rewards to its common cardholders and 6% again to Elite Plus members. Prior to now, Finest Purchase has provided particular six-month financing for purchases in extra of $199; 12-month financing for purchases in extra of $399; 18-month financing for main equipment purchases totaling $599 or up; and 24-month financing on residence theater purchases totaling $799 and up.
Through the promotional interval for the particular financing supply, Finest Purchase credit score cardholders don’t have to pay curiosity in the event that they make their mounted month-to-month funds on time and repay their balances on the finish of the promotion interval. Moreover, in 2017, Finest Purchase started selling its bank card with provides to its holders of 10% again in rewards on their first purchases.
Finest Purchase provides extra rewards to its Elite Plus prospects. Cardholders can qualify to be Elite Plus members after spending $3,500 at Finest Purchase or an affiliated retailer in a single calendar 12 months. After incomes the Elite Plus standing, cardholders then earn 6% money again on all Finest Purchase purchases.
My Finest Purchase Credit score Card Phrases
Apart from its promotional financing, the My Finest Purchase retailer bank card costs its prospects an rate of interest that is the same as the prime fee plus 21.99%. The cardboard additionally has a late cost penalty of as much as $40. Citibank costs a minimal curiosity of $2.
Along with the My Finest Purchase retailer card, Finest Purchase does companion with Visa to problem a co-branded bank card that can be utilized wherever. Each kinds of card will nonetheless supply Finest Purchase buyers 5% money again. The My Finest Purchase Visa often provides cardholders 3% again on gasoline purchases, 2% money again on groceries and at eating places, and 1% money again on the whole lot else. Particular financing provides don’t earn cash-back rewards.