You must choose between earning reward points or using deferred-interest financing on a per-purchase basis. You cannot get both on the same transaction.
This table highlights the key differences between the two primary versions issued by Citibank. My Best Buy® Credit Card My Best Buy® Visa® Card Best Buy stores & BestBuy.com only Anywhere Visa is accepted Best Buy Rewards 5% back (6% for Elite Plus members) 5% back (6% for Elite Plus members) Gas Rewards Grocery/Dining Other Purchases Annual Fee $0 - $59 (depends on creditworthiness) Key Considerations for Your Choice
Rewards are issued as Best Buy award certificates , which cannot be redeemed for cash or credit toward your statement balance.