
Best Of Product
My Best Buy® Visa®
Would you recommend My Best Buy® Visa® to your friends?
Community Rating | Mostly recommended |
Purchase APR (Variable APR) |
28.49% (Verified 08/12/2022) |
Balance Transfer APR (Variable APR) |
28.49% (Verified 08/12/2022) |
Credit Score Range | 640 - 850 |
Annual Fee | $0 - $59 |
Number of Reviews | 18 |
My Best Buy® Visa® Review
This is a store rewards card issued by Citi®. If you're wondering whether Best Buy credit card 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.
- High APRs. This is not a great card for people who carry a balance. It has a variable 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.
- 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 $15.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Fair or better credit required. You will have good approval odds if your credit score is above 640.
Pros & Cons of Best Buy credit card
The Good | The Bad |
---|---|
|
|
Best Buy credit card FAQ
Does Best Buy credit card have a cash back or rewards program?
Best Buy credit card is a rewards card.
Minimum rewards rate | 1x |
Max rewards rate | 6x |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
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?
It 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | Starting at $0 up to $59 |
Foreign Transaction Fee | 0% |
Late Payment Fee | up to $40 |
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 Best Buy credit card customer service number 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 Best Buy credit card login page?
You can access the Best Buy credit card login page 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 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 may help improve your credit.
How to apply for Best Buy credit card
- Visit the Best Buy credit card 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Message From Best Buy credit card
Message From Our Editor
Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 USA - (800) 950-5114
- Visit Site
- Email Support
Other Services by Citi®
Other Credit Cards by Citi®
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Up to 5% |
Minimum Cash Advance Fee ($) | Starting at $10 |
Foreign Currency Transaction Fee | 0% |
No Annual Fee | |
No Foreign Transaction Fee | |
Annual Fee | $0 - $59 |
Minimum Interest Charge | $1 |
No Interest Grace Period for Late Payment | 25 days |
Late Fee Amount | Up to $40 |
My Best Buy® Visa® Community Reviews
Would you recommend My Best Buy® Visa® to your friends?
- ABNB Federal Credit Union VISA® Platinum Preferred Card
- Altra FCU Visa Student Rewards Credit Card
- Citizens National Bank Low Rate Card
- Gate City Bank Maximum Rewards® Card
- Harborstone Credit Union Secured Card
- Home Depot Credit Card
- Houston Federal Credit Union Visa® Platinum Rewards
- Justice Federal Credit Union VISA Signature Credit Card
- M&T Bank Visa Credit Card with Rewards
- Mountain View Bank Commerce Max Cash Secured Card
- Numerica Credit Union Visa Luna Credit Card
- Quorum FCU RateWise Mastercard Credit Card