My Best Buy Visa
in Personal Credit Cards from Citibank
Cast your vote
Would you recommend My Best Buy Visa to your friends?
| Community Rating |
Rating not yet determined |
| Balance Transfer APR (Variable APR) | 26.24% |
| Credit Score Range | 640 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 26.24% |
| Rewards Rates |
|
My Best Buy Visa Review
My Best Buy Visa is a store rewards credit card issued by Citibank. If you're wondering whether My Best Buy Visa is the right card for you, read on. This is everything you need to know to make a good choice.
Key takeaways:
- Generous reward rate. You will get a a rewards rate of 6 points per dollar spent.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 26.24%
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 5% Balance transfer fee. My Best Buy Visa charges a fee of up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $50 in transfer fees. The minimum fee is $10.
- $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
- Gas rewards. Earn up to 3% for every $1 you spend on gas.
- Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
My Best Buy Visa Pros and Cons:
| The Good | The Bad |
|---|---|
|
|
Is there a My Best Buy Visa cash back or rewards program?
My Best Buy Visa offers a rewards program to its customers.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 6% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does My Best Buy Visa have a signup bonus?
My Best Buy Visa doesn't offer a cash signup bonus.Does My Best Buy Visa offer an annual loyalty bonus?
My Best Buy Visa doesn't offer a cash loyalty bonus.What are the My Best Buy Visa benefits?
My Best Buy Visa provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for My Best Buy Visa?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. My Best Buy Visa has higher than average purchase APRs.My Best Buy Visa has a variable purchase APR of 26.24%. The card has a variable balance transfer APR of 26.24% . It also has a variable cash advance APR of 28.99% .
Does My Best Buy Visa have an introductory APR offer on balance transfers?
No, My Best Buy Visa does not come with an introductory APR offer for balance transfers.Does My Best Buy Visa have an introductory APR offer on new purchases??
My Best Buy Visa does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the My Best Buy Visa fees?
The following fees apply to My Best Buy Visa:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
| Late Payment Fee | up to $40 |
Does My Best Buy Visa have a foreign transaction fee?
My Best Buy Visa does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.Does My Best Buy Visa report your account activity to credit bureaus?
My Best Buy Visa reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.
How to apply for My Best Buy Visa
- Visit the My Best Buy Visa website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 - Visit Site
Other Services by Citibank
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Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Eligible In-Store Purchases | 1% - 6% |
| Every Purchase (Points) | 1% back in rewards on everyday purchases. |
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