Note: We may earn commissions (at no cost to you) if you buy through links on our site. Learn more.

My Best Buy® Visa® Card review

Compare Compare  
Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
26.74% (Variable)
Interest Rate: Purchases
26.74% (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 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 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

The My Best Buy Visa Credit Card is only good for people who like spending at Best Buy and do so regularly. It does offer some lucrative rewards on Best Buy purchases, but limited redemption options make it far less valuable than more flexible cash back credit cards. And while no interest on large p...

- Holly Johnson, NextAdvisor

Unless you are a frequent Best Buy shopper, it is hard to recommend the Best Buy® Visa® Card as you can only redeem rewards in Best Buy. Furthermore, with their complicated three credit card offer, you won’t know what card you qualify for until you submit an application, and you may end up with a ca...

- Brian Latchford, SimpleMoneyLyfe
Credit Card Insider
Credit Card Insider

Could give frequent Best Buy shoppers a nice 5% return on every purchase — but there are a few downsides to be aware of. Beware the deferred financing plans, and consider choosing the 5% back in rewards instead. If you do take a financing offer, be absolutely sure to make on-time payments every mont...

- Brendan Harkness, Credit Card Insider
The Simple Dollar
The Simple Dollar

Best Buy’s store credit card is ideal for loyal customers who don’t buy tech anywhere else. It offers a high rewards rate on purchases and flexible financing options to help you save money on interest. Keep in mind you can only earn rewards at Best Buy and redeem them for store credit. If you aren’t...

- Jessica Walrack, The Simple Dollar


Interest Rates
Regular APR Interest Rate 26.74% (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 29.49% (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
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

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.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with My Best Buy® Visa® Card

Rate It: