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B&H Payboo Credit Card Review: A Comprehensive Guide for 2025
The B&H Payboo Credit Card offers a unique approach to savings for photography and electronics enthusiasts, effectively reimbursing sales tax on B&H purchases. As a leading retailer in photography and professional audio/video equipment, B&H Photo Video has designed this card to provide significant value for frequent shoppers.
What Is the B&H Payboo Credit Card?
The B&H Payboo Credit Card is a store credit card issued in partnership with Synchrony Bank that provides instant tax-equivalent rewards on purchases made at B&H Photo Video. This innovative finance purchases option helps offset the cost of sales tax, making it particularly attractive for customers in high-tax states.
B&H Payboo Credit Card Pros & Cons
Pros:
- Instant tax-equivalent rewards on B&H purchases
- No annual fee
- Flexible terms for large purchases
- Special financing options available
- Seamless integration with B&H's online lease application system
- Beneficial for professional organizations and commercial organizations
Cons:
- Can only be used at B&H
- High variable APR
- Limited additional benefits compared to general-purpose cards
- End-of-lease buyout payments may be required for certain financing options
Who Is the B&H Payboo Credit Card For?
The B&H Payboo Credit Card is ideal for:
Professional Photographers:
Those who regularly invest in equipment and need affordable monthly payments for their gear.
Video Professionals:
Content creators and videographers who frequently purchase from B&H's extensive selection of professional equipment.
Small Business Owners:
Companies looking for equipment leasing options with potential tax advantages.
Students:
Photography and film students who can benefit from the card's flexible terms and tax savings on educational equipment.
Comparing the B&H Payboo Credit Card with Other Credit Cards
When considering the B&H Payboo Credit Card, it's helpful to compare it with other popular options in the credit builder card category:
Chime Credit Builder Secured Visa® Credit Card:
- Annual fee: $0
- Security deposit: Flexible, based on the amount transferred to Credit Builder account
- Key features: No credit check to apply, reports to all three major credit bureaus
- Standout feature: No minimum security deposit required
Capital One Quicksilver Secured Cash Rewards Credit Card (rate & fees):
- Annual fee: $0
- Security deposit: Minimum $200, which becomes your credit limit
- Key features: 1.5% cash back on all purchases, automatic credit line reviews
- Standout feature: Earn rewards while building credit
Current Build Visa® Credit Card:
- Annual fee: $0
- Security deposit: Flexible, based on the amount transferred to Build account
- Key features: No credit check required, reports to all three major credit bureaus
- Standout feature: Linked to Current banking app for easy fund transfers
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- B&H Payboo Credit Card excels in providing instant tax-equivalent rewards on purchases
- Chime Credit Builder offers flexibility with no minimum deposit
- Capital One Quicksilver Secured provides cash back rewards
- Current Build integrates with banking app for convenient use
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Consider Using Kudos
While the B&H Payboo Credit Card offers excellent benefits for B&H purchases, consider maximizing your rewards across all shopping with Kudos. This free AI-powered browser extension helps you optimize your credit card usage by automatically recommending the best card for each purchase.
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Our Expert Takeaway
The B&H Payboo Credit Card presents a compelling option for photographers, videographers, and electronics enthusiasts who frequently shop at B&H. The instant tax-equivalent rewards and leasing department options make it particularly valuable for those making large purchases or managing cash flow needs.
B&H Payboo Credit Card FAQ
How do I contact B&H's leasing department?
You can reach B&H's leasing department through their dedicated email contact form on the website or by calling their customer service line.
What are the fair market value terms for leased equipment?
The fair market value is determined at the end of the lease term and varies based on the equipment's condition and market prices.
Can I make a bargain purchase at the end of my lease?
Yes, B&H offers end-of-lease buyout payments at fair market value or a predetermined price, depending on your lease agreement.
How do I submit an online lease application?
Visit B&H's website and navigate to the financing section to complete the online lease application. You'll need to provide basic business and financial information.
What tax advantages come with the B&H Payboo Card?
The card provides instant tax-equivalent rewards, effectively reimbursing you for sales tax on B&H purchases. Consult with a tax professional for specific advice regarding your situation.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
