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My Best Buy® Visa® Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
29.99% (Variable)
Interest Rate: Purchases
29.99% (Variable)
Balance Transfer
Balance Transfer
1 - 3% cashback
1 - 3% cashback
Signup Bonus
Signup Bonus

Informr score
The My Best Buy® Visa® Card currently has an Informr score of 6.3 out of 10. This score is based on our evaluation of 11 sources including reviews from users and the web's most trusted critics.

Am I eligible?

My Best Buy® Visa® Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The My Best Buy Visa Credit Card* is best for consumers who spend a lot with the big box tech retailer, but most shoppers will probably find better value from a more general cash back card. When you use this card to make a purchase with Best Buy, you can choose between earning rewards or flexible fi...

- Holly Johnson, NextAdvisor

The Best Buy Visa card offers a strong rewards rate on Best Buy purchases. The other limited-time and bonus categories don't provide much value because they aren't predictable or can be beaten by other rewards cards.

- Lance Cothern, Investopedia
The Balance
The Balance

The My Best Buy Visa Card, issued by Citibank, pays rewards toward future purchases at the electronics retailer. You’ll earn ample points on Best Buy purchases, and even have decent reward opportunities at restaurants and gas stations. Still, since you can’t use your points anywhere else, this card...

- Dawn Papandrea, Matthew Klammer, The Balance
Credit Karma
Credit Karma

The My Best Buy Visa® card is probably a good addition only to the wallets of Best Buy super spenders. If you find yourself spending thousands of dollars each year at the store, you may be a super spender. If you’re a casual Best Buy shopper who spends a few hundred dollars at the store a couple of...

- Lance Cothern, Credit Karma

The My Best Buy Visa credit card makes sense for fans of the latest and greatest electronics, but casual shoppers and techies alike should beware of the card’s high interest rate, which could negate their rewards and benefits.

- Kelli Pate,


Interest Rates
Regular APR Interest Rate 29.99% (Variable)
  • This APR will vary with the market based on the Prime Rate.
  • 11.90% for select purchases eligible for the 48 month reduced rate credit plan
  • 0% – 11.99% for select purchases eligible for the 24 month reduced rate credit plan
  • 8.99% – 12.99% for select purchases eligible for the 36 month reduced rate credit plan
Balance Transfer Interest Rate (Variable)
Cash Advance Interest Rate 29.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee
Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus

All Purchases 1% cash back
Restaurants 2% cash back
Gas 3% cash back
Groceries 2% cash back
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

5% cash back on qualifying Best Buy purchases (Elite Plus members get an additional 1% cash back)

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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