Citi
My Best Buy® Visa® Card
Key Features
| Sign-up Bonus | Discounts, bonus rewards and more |
| Rewards Rate | 1%-10% back in rewards |
| Regular APR | My Best Buy Visa Purchase APR: variable 30.74% Balance Transfer APR: variable 30.74% Cash APR: variable 29.99% |
| Other Fees | balance transfer fee is the greater of $15 or 5% of the amount of each transfer cash advance fee is the greater of $10 or 5% of the amount of each cash advance Min. interest charge: $2 |
| Network | Visa |
About this card
The My Best Buy® Visa® Card is a niche product with limited appeal, receiving an overall rating of 2.3. Its primary strength lies in the rewards offered within the Best Buy ecosystem, particularly the 5% back on purchases and potential financing options. However, these benefits are significantly overshadowed by the card's high APR, which makes it a risky choice for anyone who carries a balance. The inflexible rewards redemption (Best Buy certificates only) further limits its value. The card's reputation is negatively impacted by Citi's poor customer service track record and the potential pitfalls of deferred interest financing. While the absence of an annual fee is a plus, the high potential costs associated with interest and fees make this card suitable only for disciplined Best Buy shoppers who pay their balances in full each month. The card's limited rewards categories, high APR, and reputation concerns all contribute to its below-average overall rating. Strengths include the 5% back on Best Buy purchases and promotional financing, and weaknesses include the high APR, inflexible rewards, potential for deferred interest charges, and reputational concerns.
Pros & Cons
What's great
- Generous sign-up bonus
- Cashback on purchases
- No foreign transaction fees
Things to consider
- High regular APR
- Limited rewards categories
- High balance transfer fee
What this card offers
Sign-up bonuses
- As a new Cardmember, you’ll receive limited-time welcome offers with discounts, bonus rewards and more.
Rewards
- Earn 10% back in rewards on your first day of purchases at Best Buy
- 5% back in rewards on purchases at Best Buy
- 3% back in rewards on gas purchases
- 2% back in rewards on grocery, dining and takeout purchases
- 1% back in rewards on other purchases
Other features
- Choose rewards or flexible financing on purchases at Best Buy
- Enjoy the flexibility of low monthly payments
- Multiple plans can be open on your account
- A variety of options for any purchase, big or small
- Free shipping on qualifying purchases at Best Buy
- Cardmembers in good standing will receive offers throughout the year
- Earn endless rewards where Visa is accepted
- Tap and go with your contactless card
- No foreign transaction fees
- Limited-time bonus reward category offers throughout the year to earn rewards faster
- Support is available 24 hours a day, 7 days a week
Additional Notes
As of 3/27/26. The main difference between the My Best Buy® Credit Card and the My Best Buy® Visa® Card is the My Best Buy® Visa® Card can be used outside of Best Buy® where Visa® is accepted.