Best Buy is the retailer where portal cashback actually meaningfully moves the needle — because the ticket sizes are large. A 4% portal rate on a $2,000 TV is $80. Add the My Best Buy Visa's 5% back in Best Buy points, discounted gift cards from Raise, and a Total Tech membership if you're a heavy buyer, and total returns on a big electronics purchase can hit 12% or more.
| Source | Rate | Notes |
|---|---|---|
| Portal (TopCashback / TopShoppa) | 1–4% | Higher on featured categories during promo events |
| My Best Buy Visa | 5–6% | 5–6% back in Best Buy points on Best Buy purchases |
| Discounted gift cards | 2–5% | Raise and CardCash carry them; slightly rarer than Amazon/Target |
| My Best Buy Plus/Total (paid) | Free shipping + member pricing | $50–180/yr; math works for heavy buyers |
| Trade-In program | Varies | Store credit for old phones, laptops, gaming consoles |
The My Best Buy Visa (issued by Citi) pays 5% back in Best Buy points on Best Buy purchases, or 6% for Total Tech members. Outside Best Buy it also pays 3% on gas and 2% on groceries — one of the more usable co-branded store cards.
Best Buy gift cards discount 2–5% on Raise. Timing matters: right before a major sale (Black Friday, back-to-school, Prime Day counter-promotions), buy discounted cards and stack them with My Best Buy points to compound your return.
Portal cashback on Best Buy frequently excludes Apple products, gaming consoles, and gift cards — sometimes the exact reason you're shopping there. Read the exclusions before clicking through, and don't assume the headline rate applies universally.
Best Buy is where cashback stacking pays off in real dollars because the purchases are large. Skip the portal for small orders, layer everything for a $500+ order.