Best Credit Card for Best Buy in 2026
Best Buy is classified under MCC 5732 (Electronic Sales). The best card for Best Buy purchases is the Business Platinum ($695/yr annual fee), earning 2x on electronic sales — an effective return of 3.00%.
Best Buy, with its wide range of electronics and tech gadgets, is a must-have for credit cards that cover MCC 5732 under travel or business categories like the Business Platinum.
Consider using a service like Plastiq to charge your Best Buy purchases as business expenses for even higher category-specific rewards.
Spending Math
If you spend $200 monthly at Best Buy on an average card earning just 1%, you'd earn $24 yearly. But with the Business Platinum’s 2x points, your annual rewards jump to $36.
Best Buy purchases are classified under MCC 5732 (Electronic Sales). If you spend frequently here, see our best cards for home.
MCC Details for Best Buy
Best Credit Cards for Best Buy (2026)
How Best Buy Codes on Your Statement
When you pay at Best Buy at their locations, your card issuer sees MCC 5732 in the transaction data. This code tells your bank that the purchase was made at a electronic sales merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "electronic sales" purchases, Best Buy transactions will qualify — even if your card terms only mention a category name and not Best Buy specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Best Buy transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 5732 qualifies for bonus rewards.
Bonus Category Match — Best Buy
About MCC 5732: Electronic Sales
Merchant Category Code 5732 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Electronic Sales industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5732, all qualifying card programs that include electronic sales as a bonus category will apply the elevated earn rate.
The Home industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Electronic Sales merchants: Adorama, Apple Store, B&H Photo.
What You Could Earn at Best Buy
Spending $200/month at Best Buy with the Business Platinum (2x on electronic sales) earns approximately $36/year in rewards. A basic 1% card earns $24 on the same spending. After the $695 annual fee, that is $-659 more per year.