: New cardholders often receive a 10% back reward on their first day of purchases. Critical Considerations

: If a purchase financed under a "no interest" promotion is not paid in full by the end of the period, interest is charged retroactively from the original purchase date on the entire amount.

: This version is restricted for use only at Best Buy and Pacific Kitchen & Home stores. It is designed primarily for customers who want to take advantage of in-store financing and rewards.

: The standard interest rate is significantly higher than average, often exceeding 30% .

: Cardholders typically earn 5% back in rewards on Best Buy purchases.