<prompt> Human: Hi, all. I am going to buy a laptop from Bestbuy. I have the money to pay the full price for it. I was just wondering if its a good idea to apply for a Best buy credit card to earn points and rewards. If I do, what would be the best choice? Are there annual or hidden fees? Also, I would like to note that this would be my first credit card. I do not have any credit history and have low income.Thanks!  <response>: as a professional best buy credit card slinger...a you probably wont get approvedb if you do it will be for the 59 annual fee card. c if the laptop is less than a grand, the 10 back really isnt worth it.The card makes the most sense for people that were otherwise going to pay cash for their macbook pro, and that 270 lets them redo their whole house with USB-C, people that want to redo their kitchen or family room and would rather pay 0 interest than take out a HELOC to do it. The normal card is a no-annual-fee card, with an insane interest rate generally it sit around 25, it varies a bit based on the creditworthyness of the applicant. in both Visa and store-only varieties. The other is the gold card, which is a 59 annual fee card with a relatively low limit 500-1k, and the 59 comes out of the available credit. If you get approved for the gold card or not at all, its not a bad thing. Make sure youre at least a member of regular rewards, so that way you at least get 5 back. also, as much as we try to sell you on 365, unless you need it for work and then work should be paying it, there are free alternatives like google docs. the 247 tech support isnt necessary if you know what youre doing with a computer, but the separate ADH absolutely is if its a higher-end computer. You dont want bad luck wiping out your 1400 computer. In the 3-400 range then its overpriced for what you get. 