Last Updated: 07/28/2025
SuperMoney User Recommendation Score +6
Mostly recommended18 total votes
Explore a similar product
Try this top product in Credit Cards
Total Visa® Credit Card
Mostly recommended35 reviews
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreCompare All Credit Cards
Filter & compare all your options in one place.
Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
28.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
28.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
640 - 850
Annual Fee
$0 - $59
Number of Reviews
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
| 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.
| Description |
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 - $59 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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.
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.
Message from Best Buy credit card
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.
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
Other Services by Citi®
Business Loans
Be the first to rate
Wealth Management Companies
Be the first to rate
Other Credit Cards from Citi®
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
28.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
620 - 850
300
850
Annual Fee
$0
Purchase APR
19.24% - 29.99%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
18.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$99
Purchase APR
20.49%
Disclaimer popup with additional information
Balance Transfer APR
20.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
21.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
21.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
720 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
24.74%
Disclaimer popup with additional information
Balance Transfer APR
24.74%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
18.24% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
17.99% - 23.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$495
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +6, or 3.1 on a 5-point rating scale.
+6
-1000+100
No one recommends
Everyone recommends
My Best Buy® Visa® Community Reviews
Would you recommend My Best Buy® Visa® to your friends?
RB
Radostin B.
Sep 11, 2023
May or may not recommend
Horrible service!!! The knowledge of the employees is very questionable! I have had called them at least 19 times, sometimes talked to 4 people in one call, and I had to explain my problem EVERY SINGLE TIME TO EACH ONE OF THEM!!! My promotional balance was $5400 and on the statement my Due balance was $7100, and I haven’t made any purchases for the last year. I was just paying ...Show More
MK
Mercy K.
Aug 4, 2022
May or may not recommend
I bought a lap top last year snd they ran my credit.In june they ran my credit again without my authorization.When I called i was in a roller coaster and sometimes they hang up on me when I spoke to someone to remove the hard e enquiry on my credit report,they told me to call the bureau myself and do it.They made a mistake and now they ...Show More
U
Anonymous
Jul 30, 2022
May or may not recommend
No interest for 12 months but you to pay a $59 annual fee. You do the math.
DA
David A.
Jun 28, 2022
May or may not recommend
I made a mistake and select free financing, because all purchase come with free financing. Rewards department would not change from free financing to 15% off. Assuming was my fault Reward department not will to help me is the issue
RP
Ron P.
Apr 20, 2022
May or may not recommend
I recommend the best buy if you are buying a lot of electronics. Well, you can use the card anywhere and you get the premium service or discount when you reach a certain amount. However, there are a lot of competitive services out there.
Katrina O.
Mar 8, 2022
May or may not recommend
They have a good offer for 0% if paid in full by a certain time. It is a different number of months depending on what you buy, and it does keep track of the different time for different products if you buy them at different times using the same card. You do have to pay close attention to the due date and which 0% APR offer expires when, otherwise the ...Show More
Karina V.
Feb 17, 2022
May or may not recommend
I opened this credit card when I was purchasing my MacBook Pro. For a large purchase it made sense to get it since it was offering 0% apr if I paid back in full in 36 months. The late fee charges are steep, but if you sign up for auto pay you can just set it and forget it. It also has a great cash back category on retail purchases ...Show More
LA
Lisa A.
Oct 11, 2021
May or may not recommend
I have a Best Buy credit to use when I purchase items from Best Buy. I like the offers they usually have. For example, I purchased a tv and had six months to pay it off with 0% interest. I also use it on regular purchases not only at Best Buy. Between the nice credit limit and the special offers, it's a card I am glad ...Show More
GL
Grace L.
Aug 15, 2021
May or may not recommend
I got this card when I was purchasing a MacBook and wanted to finance it. If you want to earn quality rewards for every purchase at Best Buy and are an existing Best Buy Rewards member you can take advantage of this one. Otherwise it’s not that useful
JR
Jay R.
Jul 20, 2021
May or may not recommend
I got a Best Buy Visa card some years ago to ensure an interest-free payment plan when I was buying a new desktop. I recall the application process being super easy and I was thrilled that I paid zero interest on my new toy! Afterwards when I really didn't see the need to keep it, it was easy enough to cancel it. Sometimes I regret cancelling it.
WS
Warda S.
Feb 24, 2021
May or may not recommend
I’m using this credit card almost for 4-5 years. I’m bery happy with their services. They answered every call and excellent customer services. I used it for shop my expensive household stuff and I always love to shop from best buy. The only thing make you worried is you have to pay before promotional period otherwise they cahrge you extra money or cancel any offer which is given to you ...Show More
Jordan R.
Jan 13, 2021
May or may not recommend
So this was my second normal credit card, I have always loved Best Buy and what they have to offer, so I thought how cool would it be to have a Best Buy credit card, so I applied and was approved for it! I used it a few times and it was pretty neat.
You have to activate the card and it is an actual customer service representative who will walk ...Show More
KM
Kate M.
Nov 6, 2020
May or may not recommend
I love this card, however, it is only beneficial to you if you shop at Best Buy. The rewards program is entirely for Best Buy and you cannot use your rewards anywhere else as you receive points towards Best Buy's rewards program. As a cardholder, you build up Best Buy rewards much faster. I have bought almost all of my more expensive electronics (a MacBook, iPad, etc.) with this card ...Show More
SS
Sharon S.
Oct 3, 2020
May or may not recommend
I hate how high the interest is on this card, I feel as though I make so many payments on my card and it never seems to go down.
TT
Tom T.
Apr 26, 2020
May or may not recommend
Avoid this card like a plague. If you get it, make sure you pay off your promotional balance before using it again, otherwise, whatever payments you make won't go to clearing any promotional debt. This will lead to an interest charge you won't believe, and NO ONE, will tell you that. The customer care is also the worst. They hang up on me when I questioned them about this.
Selam K.
Sep 20, 2019
May or may not recommend
This card has higher interested after I get this card i used every there to perches they didn’t wait until 12 months done they will start change interest the first month
Lisa B.
May 18, 2019
May or may not recommend
I like the options and value of the purchases that are offered.
U
Anonymous
May 1, 2019
May or may not recommend
It's a good card. I have had a visa card for almost a year now and I do not have issues whatsoever. I know that co-branded cards come with high interest and so it goes with Best Buy. It's better NOT to carry a balance month after month.
Showing 18 of 18 reviews
Other Services by Citi®
Business Loans
Be the first to rate
Wealth Management Companies
Be the first to rate
You might also like
Best Personal Credit Cards
SuperMoney
Using Your Credit Card and Maintaining a High Credit Score
Gina Roberts-Grey
Can Your Kids Handle Credit Cards?
Audrey Henderson
Don't Want a Credit Card? You're Not Alone
LeeAnn Neal
What Are The Different Types of Credit?
Julie Bawden-Davis
