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Established Contributor
Posts: 793
Registered: ‎12-17-2012
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Best Buy Rewards Zone MC

I was approved 2 weeks ago for the Best Buy Gold MasterCard with an annual fee of $59 and low limit of $300.

I assuming this is the Plan B card although I couldn't find anything in the disclosure that says Plan B.

I received the card today but I haven't activated it yet. It hasn't shown up yet on my reports. I'm wondering if I should close the account. Anyone know if it will still report if I don't activate it? I don't want the trade line to show as opened and then closed the next month, so if it will report anyways then I will just keep it.

Is this Plan B card not eligible for any credit limit increases?

I shop at Best Buy pretty often so I would use the card for the 4% back but with that toy limit it won't get much use.



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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Best Buy Rewards Zone MC

You can call BB CS on the back of the card to find out. Its going to report regardless of closing, so id call.



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Super Contributor
Posts: 5,724
Registered: ‎05-23-2009
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Re: Best Buy Rewards Zone MC

Yes, it will report if you close.

Epic Contributor
Posts: 23,815
Registered: ‎10-23-2007
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Re: Best Buy Rewards Zone MC


IWOL wrote:
I was approved 2 weeks ago for the Best Buy Gold MasterCard with an annual fee of $59 and low limit of $300.

I assuming this is the Plan B card although I couldn't find anything in the disclosure that says Plan B.

I received the card today but I haven't activated it yet. It hasn't shown up yet on my reports. I'm wondering if I should close the account. Anyone know if it will still report if I don't activate it? I don't want the trade line to show as opened and then closed the next month, so if it will report anyways then I will just keep it.

Is this Plan B card not eligible for any credit limit increases?

I shop at Best Buy pretty often so I would use the card for the 4% back but with that toy limit it won't get much use.


Plan A vs. B is a store card thing... not the MasterCard.

This is pretty much a terrible card but sit tight, later this year in Sept. Oct. the Best Buy Credit Cards (Store and MC) will be moving to Citi.  I am hoping once over at Citi we can do something with them, I don't feel like $300 MasterCards are usually something Citi hands out!

Fico Scores: EQ- 662., TU 684 Barclay, EX 700 (3/21/15)

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Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
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Re: Best Buy Rewards Zone MC

I once app'ed for the Best Buy Store card and got a Gold MC with a $500 limit and that $59 AF. I had them close it the second it was instantly approved due to the low CL; I think I was in the 610-630 range then. It never showed up on my report at all. So if it hasn't been more than a day or two, maybe it won't show up.
That af is hefty😳
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Senior Contributor
Posts: 4,686
Registered: ‎12-11-2011
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Re: Best Buy Rewards Zone MC

The thing i dont get is they no longer list the gold AF card on their terms and conditions page. How can they offer that card without disclosing it as a possibility?
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