What is the best credit card at B&H Photo Video?

B&H Payboo Card earns the most at B&H Photo Video right now at 7%.

How does SwipeCaddy pick the best card at B&H Photo Video?

We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply B&H Photo Video's card-acceptance rules, so the "best" card is one you can actually use at the register.

How does the B&H Payboo Card's tax benefit actually work?

At checkout, B&H applies an instant credit equal to the full sales tax on the order — it appears as a "Payboo Card Savings" payment line, so you effectively pay the pre-tax price. It is not cash back or points; there is nothing to accrue or redeem. The rate depends on your ship-to state (the New York rate in-store), which is why we value the card at a conservative 7%. On a $3,000 camera body shipped to an 8%-tax state, that is $240 off on the spot.

What should I use at B&H if I live in a no-sales-tax state?

Skip the Payboo. Orders shipped to Delaware, Montana, New Hampshire, Oregon, or Puerto Rico carry no sales tax, so the card's one benefit is worth zero — a Portland photographer gets nothing from it. Use the U.S. Bank Cash+ at 5% if Electronics Stores is one of your selected quarterly categories and you are under the cap; otherwise any no-annual-fee 2% card is your best swipe.

Best credit cards at B&H Photo Video

In store

1
#17%
B&H Payboo Card
Bread Financial · Store card · No annual fee
7%
2
#25%
Max Cash Preferred Card
Elan Financial Services · Visa · No annual fee · Choose this category · up to $2,000/qtr (combined)
5%
3
#35%
U.S. Bank Cash+ Visa Signature Card
U.S. Bank · Visa · No annual fee · Choose this category
5%
4
#43x
Huntington Voice Rewards Credit Card
Huntington · Mastercard · No annual fee · Choose this category · up to $2,000/qtr (combined)
3x
5
#53x
Robinhood Gold Card
Coastal Community Bank · Visa · No annual fee
3x
6
#62x
The Business Platinum Card from American Express
American Express · Amex · Business · $895/yr · up to $2,000,000/yr (combined) · Lower rate after the cap
2x
7
#72%
Apple Card
Goldman Sachs · Mastercard · No annual fee · Pay with the mobile wallet
2%
8
#82%
Blue Business Cash Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
2%
9
#92x
The Blue Business Plus Credit Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
2x
10
#102%
Citi Double Cash Card
Citi · Mastercard · No annual fee
2%

Online

Good to know at B&H Photo Video

The top of the B&H ranking belongs to a card with no ordinary earn rate at all. The B&H Payboo Card pays back the full sales tax on your order as an instant credit at checkout, so its effective return is whatever your ship-to state charges — roughly 6% to 10% where tax applies. We score it a conservative 7%, comfortably ahead of the U.S. Bank Cash+ at 5% (only if you selected the right category this quarter, and only under its cap), the Business Platinum at 2x, and the 2% pack that fills out the rest of the list. On a $3,000 camera body shipped to an 8%-tax state, the Payboo's benefit is worth $240.

The fine print is geographic and financial. The tax benefit keys off the ship-to address — the New York rate applies when you buy at the NYC SuperStore — and it is worth exactly nothing on orders shipped to Delaware, Montana, New Hampshire, Oregon, or Puerto Rico, where B&H collects no sales tax; a Portland photographer gets no benefit at all. The card also forces a choice at checkout between the tax credit and deferred-interest financing (6 or 12 months, currently 24 on select gear): pick financing and you forfeit the tax savings, and the decision cannot be changed after the fact. With a 35.99% APR, carrying a balance erases the benefit quickly.

If you don't carry the store card — or you ship to a no-tax state — the fallback logic mirrors every other electronics merchant. The U.S. Bank Cash+ leads at 5% if Electronics Stores is one of your selected quarterly categories and you are under the cap; otherwise reach for whichever no-annual-fee 2% card is already in your wallet rather than paying a fee for the same rate. The ranking holds across every way B&H sells — online, in the app, by phone, or at the SuperStore — so one decision covers all channels.

The math

Spend $100 a month at B&H Photo Video and B&H Payboo Card returns about $84 a year at our valuations — a flat 2% card returns $24.

Common questions

What is the best credit card at B&H Photo Video?: B&H Payboo Card earns the most at B&H Photo Video right now at 7%.
How does SwipeCaddy pick the best card at B&H Photo Video?: We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply B&H Photo Video's card-acceptance rules, so the "best" card is one you can actually use at the register.
How does the B&H Payboo Card's tax benefit actually work?: At checkout, B&H applies an instant credit equal to the full sales tax on the order — it appears as a "Payboo Card Savings" payment line, so you effectively pay the pre-tax price. It is not cash back or points; there is nothing to accrue or redeem. The rate depends on your ship-to state (the New York rate in-store), which is why we value the card at a conservative 7%. On a $3,000 camera body shipped to an 8%-tax state, that is $240 off on the spot.
What should I use at B&H if I live in a no-sales-tax state?: Skip the Payboo. Orders shipped to Delaware, Montana, New Hampshire, Oregon, or Puerto Rico carry no sales tax, so the card's one benefit is worth zero — a Portland photographer gets nothing from it. Use the U.S. Bank Cash+ at 5% if Electronics Stores is one of your selected quarterly categories and you are under the cap; otherwise any no-annual-fee 2% card is your best swipe.