Skip to content

My Best Buy® Visa®

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

Our rating
Min. credit level: Fair
Annual Fee: $0 or $59 (depending on creditworthiness)
Regular APR: 25.24% Variable (11.90% Fixed for select purchases)

My Best Buy® Visa®

Our rating
Fair Min. credit level
$0 or $59 (depending on creditworthiness) Annual Fee
Apply Now Read Our Review

Highlights & Features


Spending Rewards
  • 5% back in rewards at Best Buy and, or deferred financing for eligible purchases
  • 3% back in rewards at Gas Stations
  • 2% back in rewards at:
    • Restaurants
    • Grocery stores
  • 1% back in rewards for all other purchases
Introductory Bonus
  • 10% back in rewards on your first day of purchases, within 14 days of opening the account


This offer may not be combined with other My Best Buy offers.

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 26.74% Variable
Balance Transfer Fee 5%, $15 minimum
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $40
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 29.49% Variable
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card
My Best Buy® Visa®


  • 5% back in rewards at Best Buy OR deferred financing on purchases of $199 and higher.
  • Additional bonus categories for eligible purchases
  • 1% back in rewards on all other purchases
  • Points don’t expire as long as your account is active
  • Spend $3,500 per year to reach Elite Plus status and earn 1.25 points per $1 spent at Best Buy
  • Reward Certificates are emailed when you reach 250 points
  • Choose between rewards or special financing offers
  • Annual fee of $0 or $59, depending on creditworthiness


Citi has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-888-574-1301 or

Try a different phone number
See all Issuer Cards

Use the My Best Buy® Visa® (formerly the My Best Buy™ Mastercard) for deferred financing on eligible Best Buy merchandise or to earn rewards.

You’ll get 5% back in rewards for Best Buy purchases (6% back for My Best Buy Elite members), or you can choose a deferred financing plan for purchases of $199 or more. However, these deferred financing plans can be dangerous because if you don’t pay back the entire balance in full by the end of the term, or if you make a late payment, you’ll be charged interest on the full balance going all the way back to the purchase date.

You can read more about these deferred financing plans here.

When applying for this card, you’ll first be considered for the My Best Buy Platinum Visa. If you don’t qualify for that, you’ll next be considered for the My Best Buy® Credit Card; then you’ll be considered for the My Best Buy Gold Visa.

The My Best Buy Gold Visa has a $59 annual fee, but if you cancel the card within 30 days you won’t have to pay the fee. The other versions of this card have no annual fee.

Can I get cash with my Best Buy Visa?

You may be able to get cash out of an ATM with your Best Buy Visa as a cash advance, but this will be very expensive and we do not recommend it. Learn about how cash advances work here.

The information related to My Best Buy® Visa® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Scroll to top