What did 5 users say about My Best Buy Visa? | September 2020

Highlights
Community Rating	Mostly recommended
Purchase APR (Variable APR)	25.24%
Balance Transfer APR (Variable APR)	25.24%
Credit Score Range	640 - 850
Annual Fee	$0 - $59
Number of Reviews	5

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 25.24%
Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $59 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 & Cons

The Good	The Bad
No foreign transaction fee. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. My Best Buy Visa reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.	Higher than average purchase APRs. Does not offer a signup bonus. Charges a 5% balance transfer fee. Does not include many credit card rewards.

My Best Buy Visa FAQ

Is there a My Best Buy Visa cash back or rewards program?

My Best Buy Visa offers a rewards program to its customers.

My Best Buy Visa Rewards
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:

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 25.24%. The card has a variable balance transfer APR of 25.24% . It also has a variable cash advance APR of 27.99% .

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.

My Best Buy Visa Purchase Intro Offer
Description
Introductory Rate	N/A
Purchase Intro APR Period (months)	N/A

What are the fees for My Best Buy Visa?

The following fees apply to My Best Buy Visa:

My Best Buy Visa Fees
Fees	Amount
Annual Fee	Starting at $0 up to $59
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.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters
388 Greenwich Street
New York, NY 10013
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Hours of Operation

Sunday Closed
Monday 9:00am - 5:00pm
Tuesday 9:00am - 5:00pm
Wednesday 9:00am - 5:00pm
Thursday 9:00am - 5:00pm
Friday 9:00am - 6:00pm
Saturday 10:00am - 3:00pm

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Availability

Available in 50 states and Washington, D.C.

Alabama
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Connecticut
Delaware
Washington, DC
Florida
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Hawaii
Idaho
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Washington
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Wyoming

Feature Breakdown

Eligible In-Store Purchases	1% - 6%
Every Purchase (Points)	1% back in rewards on everyday purchases.

My Best Buy Visa Community Reviews

Would you recommend My Best Buy Visa to your friends?

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Foreign Currency Transaction Fee	0%
No Annual Fee
No Foreign Transaction Fee
No Interest Grace Period for Late Payment	25 days
Cash Advance Fee Minimum	$10
Cash Advance Fee (%)	Up to 5%
Minimum Cash Advance Fee ($)	Starting at $10
Annual Fee	$0 - $59
Minimum Interest Charge	$1
Late Fee Amount	Up to $40

Customer Type	Personal
Minimum Age	18
Supported Income Types	1099 Misc. Income Direct Deposit (W2, SSA, SSDI) Payroll Check or Prepaid Card
Military Status	Active Duty Military Military Dependent Non-Military Veterans
Employment Statuses Considered	Employed Full-Time Employed Part-Time Retired Self-Employed
Immigration Status Considered	U.S. Citizen U.S. Permanent Resident
Credit Score Range	640 - 850 850 300 640

Rewards Rates	Every Purchase Gas Groceries Restaurants
Rewards Type	Points

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My Best Buy Visa

in Personal Credit Cards from Citibank