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Most Credit Cards usually come with benefits and rewards that can be availed by the user on purchases. The Reward Zone Credit card is designed to improve user experience by giving customers plenty of benefits and rewards at Best Buy stores as well as other retailers and service providers.


Understanding the Difference between Benefits and Rewards

There is a distinction that must be made between rewards and benefits. Benefits are extra features that are offered on the card and include the following:

  • Extra protection on purchases to reduce the risk of fraud and misuse
  • Extended warranties on purchased electronics
  • Insurance offers on rental automobiles, air travel,and tourism
  • Additional concierge services to make the cardholder’s life easier


Rewards on a credit card are direct monetary payments that help reduce the card user’s bill. These include cash back rewards, purchase discounts, interest-free finance, reward points and a host of other rewards.


The Reward Zone Credit Card Benefits and Rewards

You can usually get excellent benefits and rewards on the Rewards Zone MasterCard if your credit score is high and you don’t have a lot of consumer debt. It is one of the higher rewards cards from the network operator. The perks offered by the card do not rely on the amount of money you spend each year.


Eleven Reasons to Get the Reward Zone MasterCard

The Reward Zone MasterCard offered by Best Buy gives you exclusive deals and discounts on Best Buy products that you cannot avail on other credit cards.


1. Excellent For Online Purchases

More and more people are doing their shopping online. The prices are much better at online stores and it is much more convenient and quicker to browse through inventory.


In order to facilitate and improve your online shopping experience, you need to get a card that is accepted by most vendors and doesn’t charge you excessive fees for online shopping.


The Rewards MasterCard makes it easier for you to make instants payments and also lets you manage your account securely. It offers an online account balance access and allows you to check for fraudulent or suspicious activity. The card is ideal for online transactions and account monitoring.


2. Very Easy to Use

The card is compatible for use at a variety of vendors. You can have is scanned, use the contactless feature or let vendors use it on a chip-reader. You can make payment via the internet or over the phone. With so many options for clearing bills and invoices, missing your payments is almost impossible unless you skip a payment on purpose.


3. Offers and Rewards

The offers and rewards on the Reward Zone card are what put it one step ahead of the competition. There are basically two different types of offers and you can choose the one you prefer.


The first offer is that you can get cash back of 5% (6% for Elite Plus) on all your purchases at specified stores. You can also get cash back of 2% when you use the card on dining and grocery purchases. You get 3% cash back on gas and fitness equipment purchases. Also, you’ll get periodic discounts on the card of up to 15% on special promotions throughout the year.


The second option is that you can finance a purchase of $599 on the card for a maximum of 18 months at 0% APR or 24-month financing for $799 at 0% for specific products.


4. Reward Points

Apart from the immediate cash back and easy financing, the Reward Zone MasterCard also adds 2.5 points on every dollar you spend. When you reach 250 points on the card, you receive a $5 reward card certificate.


These reward certificates can be used to make purchases at the store like regular money.


5. Free Delivery

A number of online vendors ask for delivery charges when you make a purchase through a cash-on-delivery method. However, e-stores tend to waive the delivery charges when you make your payment through the Reward Zone Credit Card and the value of shopping is more than $35.


6. Purchase Protection

The Reward Zone MasterCard also gives customers purchase protection through the service provider’s insurance. This comes into effect if the customer receives products that are damaged or stolen. Items are generally covered for around 90 days. The service has a limit to the maximum value of dollar amount protected for in-transit damage.


7. Return Protection

The credit card also offers return protection. Certain eligible products with a valid return policy advertised by the store can be returned for a refund within the eligible time period.


8. Easy Application Process

The application procedure for the Reward Zone MasterCard is simple and fast. You can submit an application at the bank, through a phone call or online by using the issuing authority’s website. The registration process takes less than a few minutes. It’s quickly approved if you have the needed credit score. The credit limit you get is based on your credit score, previous credit history and the number of credit cards you already have in your name.


9. Travel Perks

The Rewards Zone MasterCard cards also carry travel benefits depending on the card issuer’s policy. These benefits include;

  • Flight upgrades and discounts
  • Cruise benefits and savings
  • Discounts on vacations and tour packages
  • Reimbursement on a qualified non-refundable travel fee
  • Savings on Limousines and Chauffeured Cars
  • Discounts on private jet flights


10. Customer Loyalty Rewards

Customer loyalty and repeat purchases are important for every business. In order to get their customers to keep coming back, Best Buy upgraded their rewards and loyalty program in 2018. Customers can now provide their email addresses at the time of checkout to start receiving customized offers based on their shopping habits.


The Reward Zone Credit Card also help improve the offers received by customers.


11. Members-Only Deals

Cardholders of the Rewards Zone MasterCard will receive certain exclusive offers.  For example, Best Buy stores will offer a 15% discount on certain oral hygiene and grooming products that are not available to regular customers or members.


The Reward Zone cardholders also receive early access to some of the biggest sales of the year, including Holidays shopping, New Year’s sales, and Black Friday etc.


Applying For the Reward Zone MasterCard

Application for the Reward Zone MasterCard is submitted through the Best Buy or Citi Bank’s online portal. You will need to fill in an application form with basic information, including name, SSN, home and email addresses. Applications for the cards can also be submitted in-store.


You will need to have a fair score to qualify for the credit card. As of this writing, the minimum score required is 660+.


Clearing Your Credit Card Balance

You can clear the outstanding balance on the card through cash or debit card payments at the store. You can also clear the balance via ATMs that accept Best Buy payments or order a direct debit from your bank.


Credit Card Charges

There is no registration fee for Best Buy credit cards. The Best Buy Visa gold has an annual subscription fee of $59 but the fee on MasterCard is $0.


The APR on Reward Zone MasterCard is 26.99% and late fee can be up to $38


Our Last Thoughts on the Reward Zone Credit Cards

Like most store cards, if you shop often at Best Buy you’ll find value in the Reward Zone credit card. If you don’t shop alot at Best Buy you’re going to be better off with another card that gives better rewards elsewhere. The fact that you earn Best Buy credit as a reward is not special. Almost every rewards credit card on the market allows you to use your points for gift cards if you want. We don’t recommend this as it’s one of the least valuable ways to redeem points.



The 3 Best Alternative Credit Cards to Consider

Maybe you can do better than this credit card. If you have good credit, you should consider a few other options that will give you better benefits. The credit cards below are a few of our favorites, especially if you’re interested in traveling more. A few of these cards have signup bonuses that are big enough to redeem for multiple round trip flights. My wife and I used our Chase Sapphire Preferred signup bonus to book round trip flights for the both of us to Hawaii! It was well worth researching and getting the best credit card.


 Cash Back AlternativeCash Back AlternativeTravel Rewards Alternative
Chase Freedom
Reward Zone Credit Card Review: Earn Points at Best Buy 1
Chase Freedom Unlimited
Reward Zone Credit Card Review: Earn Points at Best Buy 2
Sapphire Preferred
Reward Zone Credit Card Review: Earn Points at Best Buy 3
Signup Bonus$150 (15,000 pts)$150 (15,000 pts)60,000
Bonus Spending Categories5X on select rotating quarterly categories1.5X on all purchases2X on travel and dining
Annual Fee$0$0$95
Extra PerksBaggage insurance, trip insurance, rental car insurance
Best for People Who...Want no annual fee

Also have a Sapphire card

Want to earn bonus points on spend
Want no annual fee

Also have a Sapphire card

Want simple 1.5 bonus
points on every purchase you make
Want a large introductory bonus

Like to Travel
Learn More >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. Learn More >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. Learn More >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.


Decision Time: Which Credit Card is Really the Best for You?

Here at Travel Freedom, we like to travel, which is why we always prefer travel credit cards for ourselves. You might be the same as us or maybe you’d rather use your points as cashback. Either way, all of these cards earn Ultimate Rewards that can be used for either travel Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. or as cash back Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. .


We think that any four of these cards are a better option than the above-reviewed credit card. They earn points that are both valuable and very versatile. You can redeem them for an assortment of things including our favorite, TRAVEL!

About Lindsay

Lindsay is a frequent traveler who loves traveling for free. She uses points and miles for free travel whenever possible. Her favorite locations include Thailand, Iceland, Nashville, and Hawaii.

Advertiser Disclosure: Travel Freedom has partnered with CardRatings for our coverage of credit card products. Travel Freedom and CardRatings may receive a commission from card issuers.