Am I eligible?
To get this card, you must also:
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...
- Holly Johnson, NextAdvisorThe 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...
- Lance Cothern, InvestopediaThe 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.
- Dawn Papandrea, Matthew Klammer, The BalanceThe 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...
- Lance Cothern, Credit KarmaThe 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...
- Kelli Pate, CreditCards.comThe 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.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
29.99% (Variable)
|
| 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 Maximum |
| Promotions | |
| Sign up bonus |
|
| Rewards | |
| 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 |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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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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