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  My Best Buy Visa

My Best Buy Visa

in Personal Credit Cards from Citibank

Unaffiliated

My Best Buy Visa

Unaffiliated

in Personal Credit Cards from Citibank

SuperMoney Net Recommendation Score 0%

SUPERMONEY NET RECOMMENDATION SCORE

0%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Mostly recommended

2 users recommend
1 user is unsure
2 users don't recommend
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Highlights
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 and 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.

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:

  • 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 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 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.

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...

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.
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
Card Type
  • Gas
  • Rewards
  • Store Card
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits Fraud Liability
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries
  • Restaurants
Rewards Type Points
Cash Advance APR (Variable APR) 27.99%
Balance Computation daily balance (including current transactions).
Purchase APR (Variable APR) 25.24%
Balance Transfer APR (Variable APR) 25.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%

My Best Buy Visa Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

0%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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