: Users earned points on Best Buy purchases, often structured as 5% back in rewards.

: Promotional 0% interest periods (e.g., 18 months) were frequently offered for large electronics purchases.

: HSBC was the primary issuer of Best Buy store cards and MasterCards until early 2013.

: If you have an old "HSBC Best Buy" entry on your credit report, it is likely a "charge-off" or a closed account.

Current Best Buy credit products are issued exclusively by Citibank. Historical Context

If you are looking for a current Best Buy credit card, Citibank now offers two main versions: My Best Buy® Store Card My Best Buy® Visa® Card Only at Best Buy Anywhere Visa is accepted Rewards 5% back at Best Buy 5% at BB; 3% Gas; 2% Dining/Grocery Credit Score Fair to Good (~640+) Good to Excellent (~700+) Annual Fee $0 or $59 (based on creditworthiness) Managing Old HSBC Accounts

: It functioned as a standard credit line that reported to major bureaus like Experian and Equifax. Modern Alternatives

: Citibank N.A. purchased the $7 billion portfolio from HSBC, assuming control of all existing accounts.