Best Credit Card for BestBuy.com in 2026
BestBuy.com is classified under MCC 5734 (Computer Software Stores). The best card for BestBuy.com purchases is the Brex (no annual fee), earning 2x on computer software stores — an effective return of 3.00%.
Computer software stores like BestBuy.com are part of the MCC category that rewards cards often cover twice as much, making them a great place to earn extra points or cash back.
Maximize your rewards by using a card that offers bonus percentages on tech purchases and timing it with BestBuy's promotions for extra savings.
Spending Math
If you spend $200 at BestBuy.com each month with a Brex card earning 2x points, you'd earn $48 in a year. A standard 1% card would only net you $24.
BestBuy.com purchases are classified under MCC 5734 (Computer Software Stores).
MCC Details for BestBuy.com
Best Credit Cards for BestBuy.com (2026)
How BestBuy.com Codes on Your Statement
When you pay at BestBuy.com at their locations, your card issuer sees MCC 5734 in the transaction data. This code tells your bank that the purchase was made at a computer software stores merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "computer software stores" purchases, BestBuy.com transactions will qualify — even if your card terms only mention a category name and not BestBuy.com specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any BestBuy.com 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 5734 qualifies for bonus rewards.
Bonus Category Match — BestBuy.com
About MCC 5734: Computer Software Stores
Merchant Category Code 5734 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Computer Software Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5734, all qualifying card programs that include computer software stores as a bonus category will apply the elevated earn rate.
The Software 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 Computer Software Stores merchants: 1Password, Acer Store, Adobe Creative Cloud.
What You Could Earn at BestBuy.com
Spending $200/month at BestBuy.com with the Brex (2x on computer software stores) earns approximately $48/year in rewards. A basic 1% card earns $24 on the same spending. That is $24 more per year with no annual fee.