THE CARDTUNED DATABASE
My Best Buy Credit Cards
Issuer: Citi · Network: Varies
5% back in rewards on qualifying Best Buy purchases; My Best Buy Visa versions also earn 3% on gas, 2% on grocery/dining/takeout and 1% on other purchases
- Annual fee
- $0–$59
- Foreign transaction fee
- Varies: $0 for My Best Buy Visa; Not Applicable for closed-loop store card
- Intro APR
- No public introductory APR listed; promotional terms, if any, are disclosed in the application.
- Regular APR
- Variable purchase APR; exact rate is disclosed in the application and card agreement.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
10% back in rewards on the first day of eligible Best Buy purchases within 14 days of opening a new account
- Spending requirement
- Eligible Best Buy purchases using Standard Credit
- Time window
- First purchase day within 14 days of account opening
Offer last checked: 2026-09-28
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 5% | back in rewards on qualifying Best Buy purchases |
| Dining & Groceries | 2% | on grocery/dining/takeout and 1% on other purchases |
Additional benefits
• My Best Buy Visa versions earn 3% back at gas stations, 2% at grocery stores, restaurants, bars, and takeout, and 1% on other eligible purchases.
• Choose eligible rewards or flexible financing on Best Buy purchases.
• Bank reward points until ready to issue eligible Best Buy reward certificates.
• Free shipping on qualifying Best Buy purchases and periodic cardmember offers.
• My Best Buy Visa versions have no foreign transaction fees and can be used wherever Visa is accepted.
Restrictions to know
Annual fee ranges from $0 to $59 based on creditworthiness. The closed-loop My Best Buy Credit Card is usable only at Best Buy; My Best Buy Visa versions can be used wherever Visa is accepted. Visa reward rates and no-foreign-transaction-fee benefit apply only to Visa versions. Cardholders generally choose either rewards or promotional financing on a purchase, not both. Financing plans and limited-time bonus categories vary and have separate terms.
Who can apply
Subject to Citi approval; the issued My Best Buy Visa or closed-loop store-card version, credit line, and annual fee depend on creditworthiness.
Credit profile: Not Public / issuer underwriting applies