Citi
My Best Buy® Visa® Card
Key Features
| Regular APR | My Best Buy Visa Purchase APR: variable % - % Balance Transfer APR: variable % Cash APR: variable % |
| Other Fees | balance transfer fee is the greater of $ or % of the amount of each transfer cash advance fee is the greater of $ or % of the amount of each cash advance Min. interest charge: $ |
| Network | Visa |
About this card
The My Best Buy® Visa® Card is a niche product best suited for frequent Best Buy shoppers who can take advantage of the rewards and financing options without carrying a balance. The high APR is a major drawback, making it unsuitable for general use or for those who tend to carry a balance. The card's strengths lie in its targeted rewards program and promotional financing offers, while its weaknesses include the high APR, inflexible rewards, and potential for high fees. The reputational issues surrounding customer service and deferred interest further detract from its overall value.
Pros & Cons
What's great
- Generous sign-up bonus
- Cashback on purchases
- No foreign transaction fees
- Rotating bonus categories
Things to consider
- High regular APR
- High balance transfer fee
What this card offers
Sign-up bonuses
- 10% back1 in rewards or flexible financing
- Earn 10% back in rewards on your first day of purchases at Best Buy® or choose flexible financing when you are approved for the Card.
- Plus, as a new Cardmember, you’ll receive limited-time welcome offers with discounts, bonus rewards and more.
Rewards
- 5% back1in rewards or flexible financing
- Choose rewards and earn a $5 reward certificate2 for every $100 spent at Best Buy® with your Card
- 3% back3 in rewards on gas purchases
- 2% back4 in rewards on grocery, dining and takeout purchases
- 1% back5 in rewards on other purchases
Other features
- Cardmembers can choose rewards or flexible financing on purchases at Best Buy®.
- Earn on premium brands like Apple, Beats and Thermador.
- Bank your points6 until you’re ready to redeem.
- Bonus rewards and more throughout the year.
- 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 shipping8
- Enjoy free shipping on qualifying purchases at Best Buy®.
- Cardmember Offers
- 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 fees7.
- Limited-time bonus reward category offers throughout the year to earn rewards faster.
- Support is available 24 hours a day, 7 days a week.
- 1-888-574-1301
- For TTY: Use 711 or other Relay Service
Additional Notes
Reward points are redeemable for Best Buy® reward certificates and gift cards2 to top merchants. The main difference between the My Best Buy® Credit Card and My Best Buy® Visa® Card is the My Best Buy® Visa® Card can be used outside of Best Buy® where Visa® is accepted. The My Best Buy® Credit Card can only be used for purchases at Best Buy®.