My Best Buy® Visa®

For People with
Fair Credit



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.

You may want a different card instead

This is a store-branded card with lots of bad reviews. You may be able to get better rewards and terms with a cash back credit card that isn't for a specific store.

Cash Back Cards

Where can I use my My Best Buy® Visa®?

This card can be used anywhere Visa credit cards are accepted, which is pretty much anywhere credit cards are accepted. There is also a store-only version of this card, the My Best Buy Credit Card.

To see our comparison of both of these cards, see our Review of the My Best Buy Credit Card and the My Best Buy Visa.

Card Quick Facts

Card Quick Facts

  • 5% back in rewards at Best Buy OR deferred financing on purchases of $199 and higher.
  • 3% back in rewards at gas stations, grocery stores (through December 2018), and home furnishing stores (through December 2018)
  • 2% back in rewards at restaurants
  • 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

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 5% back in rewards at Best Buy and, or deferred financing for eligible purchases
  • 3% back in rewards at:
    • Gas Stations
    • Grocery Stores (through December 2018)
    • Home Furnishing Stores (through December 2018)
  • 2% back in rewards at Restaurants
  • 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
Card Stats

Card Stats

Annual Fee $0 or $59 (depending on creditworthiness)
Additional Cards Annual Fee -
Regular Purchase APR 27.49% Variable (11.90% Fixed for select purchases)
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $38
Returned Payment Fee None
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 27.49% Variable
Balance Transfer Fee 5%, $15 minimum
Cash Advances

Cash Advances

Cash Advance APR 30.24% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Reward Options

    Earn 5% back for every $1 spent at Best Buy OR 12 month financing on purchases $399 and higher.

  • This Card Comes with Visa benefits

    You will be provided with a list of benefits available to you once you get approved for your card.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 21 reviews
by DC
Stopped my auto-pay

I had set up autopay for this credit card. It worked fine for about a year, and then with no warning autopay did not go through. I was hit with a charge of $101 that went up from $31. No mention that my autopay had stopped - all banking information was the same and there were sufficient funds available. Citi bank reported a 30-day overdue and my credit dropped 40 points. No help from customer service. I'll never get a card with Citi bank again.

by Jason
Great Benefit

Not sure why there are so many reviews. I have used my card several times for purchases. I always make a purchase when their is 'no interest for 12 months' or more. The very first purchase I made was for a very big TV; I kept making payments, but was short when interest kicked in. I called the credit card people, they said make your last payment the balance and they removed all interest. Do not get this card if you cannot make the payments, period; if you are responsible than interest free payments are a great deal.

by Luke
Great card for responsible People

So I see a lot of people complaining about this card , I have the version where it can be use anywhere . I see some people on here that cannot even spell properly. If you can’t even spell I don’t know how you even got approved for this card . Anyways like someone else mentioned if you’re responsible and you make all your payments on time then honestly this is a really good credit card for people new to credit. They tell you everything in crystal clear before you get the card of exactly how much the interest rates are , how much time you have to pay your items off before the interest takes place ; I have 30 months to pay off $750 dollars with no interest ..: I paid 748$ for what I needed in Best Buy and now I’m gonna pay $748 for it . If you can’t pay $750 over 30 months then you shouldn’t have a credit card . Plain and simple . I buy so much stuff from Best Buy also it’s ridiculous so this card I just got a month ago is going to come in handy many more times down the line! Great card , oh yeah and the $59 annual fee is worth it if you take the points and use them towards purchases and consider no interest the $59 pays itself .Cheers folks

by Jamuna
DO NOT SIGN UP FOR THIS CARD!!!!!!!!!!!!!!!!!!!!!!!!

I got this card while I was purchasing a brand new TV and Best Buy workers brought up this credit card and was hounding me to sign up and said lot of good things about this card like rewards, cash back etc. and i do buy lot of things from best buy so I signed up, which was a biggest mistake. My original tv price is 1515 now I am being charged a interest of 1000$ for a pending balance of 770 which is humongous and ridiculous!! They have highest interest rates ever. Called customer service they are extremely rude and said there is nothing they can do about the charges. This is really frustrating to be on phone with them and to receive rude responses. I am closing down on my citi bank credit cards they are a huge rip off DO NOT GET SIGN UP FOR THIS CARD!!!!!!!!!!!!!!

by Edith
Great card

Everyones complaing about this card but I have the bestbuy only one and it is AMAZING they give you 6 , 12 , 18 and even 24 months to pay it off with NO interest . Yeah if you go over the time they chargee you the interest but just be responsible and pay it before time is up. Its a creditcard they have interest and yeah ita high so maybe you ahould have checked that before you got it ?? I have never paid any interest . I buy so much here . I recently bought a fridge and pay only 90$ a month for 18 months and save soo much on interest withoit having to spend a couple thousand dollars up front .

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