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Last Updated: 07/28/2025

My Best Buy® Visa®

in Credit Cards from Citi®

Last Updated: 07/28/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
My Best Buy® Visa® logo
Mostly recommended18 total votes
7 users recommend
5 users are unsure
6 users don't recommend
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Highlights

Community Rating

Mostly recommended

Purchase APR (Variable APR)

28.49%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)

28.49%(Verified 06/21/2024)
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Credit Score Range

640 - 850

Annual Fee

$0 - $59

Number of Reviews

18

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My Best Buy® Visa® Review

This is a store rewards card issued by Citi®. If you're wondering whether My Best Buy® Visa® is the right card for you, read on.

Key Takeaways

  • Generous reward rate. You can get a rewards rate of up to 6 reward points per dollar spent.
  • APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 28.49%
  • 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.
  • A 5% balance transfer fee. My Best Buy® Visa® charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $15.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Fair or better credit required. You will have good approval odds if you have a fair credit score or better.

Pros & Cons of Best Buy credit card

Best Buy credit card FAQ

Does Best Buy credit card have a cash back or rewards program?

Best Buy credit card is a rewards card.

Does Best Buy credit card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Best Buy credit card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Best Buy credit card benefits?

My Best Buy® Visa® provides the following benefits:
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Best Buy credit card?

According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.
My Best Buy® Visa® has a variable purchase APR of 28.49%. The card has a variable balance transfer APR of 28.49% . It also has a variable cash advance APR of 27.99% .

Does Best Buy credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Best Buy credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Best Buy credit card?

This card charges an annual fee ranging from $0 up to $59.

Does Best Buy credit card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Best Buy credit card?

The customer service number for Best Buy credit card is (800) 950-5114.

What is the support contact email for Best Buy credit card?

The support contact email for Best Buy credit card is customer.help@citi.com.

What is the login page for Best Buy credit card?

You can access the login page of Best Buy credit card here.

How do people rate the customer service and user experience of Best Buy credit card?

Overall, Best Buy credit card is mostly recommended based on community reviews that rate customer service and user experience.

Does My Best Buy® Visa® report your account activity to credit bureaus?

Yes, My Best Buy® Visa® reports to the following credit bureaus:
  • 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 may help build your credit.

Does Citi® perform a hard credit pull?

Yes, Best Buy credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Best Buy credit card

  • Visit the website of Best Buy credit card.
  • 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 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.

My Best Buy® Visa® logo

Message from Best Buy credit card

My Best Buy Visa Card. One card. Endless benefits.

Manage your Credit Card account and also pay your bill, view account activity, check Card balance, update account information, add a user to your account to get more rewards, easily track all purchases and combine all rewards, view point balance, and redeem points.

5% back in rewards (6% for Elite Plus Cardmembers): *Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit with your Best Buy Credit Card. Elite Plus members get an additional .5 points per $1 spent (a total of 6% back in rewards) on qualifying Best Buy purchases using Standard Credit on the Best Buy Credit Card. Points are not awarded on promotional credit purchases. Does not include tax. Additional limitations may apply. Subject to My Best Buy Program Terms.

Financing details: As of the last 30 days, My Best Buy®, Magnolia™ & Pacific Sales™ Credit Card Purchase APRs: variable 23.24%–27.99%, non-variable 9.00%–24.34%, Min. interest charge up to $2; My Best Buy Visa® Purchase APRs: variable 10.74%–27.99%; non-variable 9.99%–20.24%, Cash APRs: variable 25.99%–27.99%, non-variable 24.49%–26.24%; balance transfer fee is the greater of $15 or 5% of the amount of each transfer; cash advance fee is the greater of $10 or 5% of the amount of each cash advance; Min. interest charge up to $1; Annual Fee: $0–$59, based on creditworthiness. On approved purchases on the My Best Buy Credit Cards issued by Citibank, N.A. Min. Payments required. Easy Replenish™ purchases excluded. Geek Squad® purchase must be associated with qualifying product(s).

3% Back in Rewards: *Get 1.5 points per $1 spent (3% back in rewards) on net purchases made at gas stations. Subject to merchant classification of Visa® transactions on which we rely.

2% Back in Rewards: Get 1 point per $1 spent (2% back in rewards) on net purchases made at restaurants, bars and grocery stores. Subject to merchant classification of Visa® transactions on which we rely.

1% Back in Rewards: *Get 1 point per $2 spent (1% back in rewards) on net purchases outside Best Buy or Pacific Sales® Kitchen & Home Stores with the My Best Buy® Visa® Card.

Citi works tirelessly to provide consumers, corporations, governments and institutions with a broad range of financial services and products. We strive to create the best outcomes for our clients and customers with financial ingenuity that leads to solutions that are simple, creative and responsible.

We strive to earn and maintain the public's trust by constantly adhering to the highest ethical standards. We ask our colleagues to ensure that their decisions pass three tests: they are in our clients' interests, create economic value, and are always systemically responsible. When we do these things well, we make a positive financial and social impact in the communities we serve and show what a global bank can do.

Your Card is part of the My Best Buy program, giving you even more rewards to save on the technology you want at Best Buy.

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Message from our editor

What we love about Best Buy Credit Card

The Best Buy credit card comes in two flavors, a store card that can only be used at Best Buy and a Visa card that you can use anywhere. One application gives you a chance at both cards, giving you a better chance to qualify if you have less than perfect credit.
The card offers strong rewards for purchases at Best Buy, giving you generous rewards on anything you buy from the store or its website. You’ll get extra rewards if you’re a member of My Best Buy Elite Plus.
The card also offers a bonus for signing up, giving you extra rewards back on your first day of purchases.
If you’d prefer financing to rewards, the card offers 0% interest financing options for purchases of that meet a minimum amount.

What could Best Buy Credit Card do better?

The greatest drawback of the Best Buy credit card is that its financing offers are deferred interest deals rather than true interest-free financing. If you pay for the full amount of your purchase before the promotional period ends, you won’t owe any interest. If you don’t pay the full amount, you’ll be charged for the full amount of interest that would have accrued, meaning you may get hit by a surprise bill.

Best Buy Credit Card’s backstory

Best Buy is an American consumer electronics company that was founded in 1966. The company sells many electronics, including sound systems, televisions, computers, and video games. It began offering the Best Buy credit card to help customers earn rewards and finance their purchases.

The Verdict

If you shop at Best Buy regularly, the Best Buy credit card offers great rewards that can help you save money. If you’re only an infrequent Best Buy shopper, having a dedicated card for the store probably isn’t worth the trouble.

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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