My Best Buy™ Visa

Use the My Best Buy™ Visa (formerly the My Best Buy™ MasterCard) to finance Best Buy merchandise interest-free or to earn reward points.

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. 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.

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Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.

 

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  • Rewards
    • Earn 5% back for every $1 spent at Best Buy OR 12 month financing on purchases $399 and higher.
    • Earn 2% back for every $1 spent on restaurants and groceries
    • Earn 2% back for every $1 spent on gas until January 2016
    • Earn 1% back for every $1 spent on all other purchases
  • Signup Bonus 10% back in rewards when you make your first purchase
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee See Terms
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 25.24% (Variable)
  • Cash Advance APR 27.99% (Variable)
  • Penalty APR None
  • Late Fee Up to $38
  • Returned Payment Fee Up to $38

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Perks

  • Reward Options: Earn 5% back for every $1 spent at Best Buy OR 12 month financing on purchases $399 and higher.
  • Limited Time Deferred Interest Promotional Offers

Visa Benefits

  • 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.

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Average rating:  
 10 reviews
by Ms Ms
Not worth the purchase discount

Either skip the card altogether or remember to CANCEL it after getting a discount on a big purchase for opening it. My long dormant card suddenly accumulated the type of charges that any CREDIBLE bank would have flagged. I wasn't watching it because I never used it. I happened to look at the email and saw a bill. Customer service was awful. I asked to report the disputed charges and they wouldn't connect me to the correct department. When several phone calls later I got someone who acted like she believed me, I still had to ASK her to close the account so that it wouldn't accumulate more charges while they investigated. She wanted to send me a knew card, and I had to very firmly tell her not to -- that I wanted the account closed. Am I being clear here? Because these were words I used that seemed not to have been understood. I called back later, after going the social media route and had a completely different experience where the problem seemed to have been solved, but I'm still waiting for some kind of affidavit to fill out. All I can say is it's shocking that Citibank is allegedly behind this card. I mostly use my Chase card and they've flagged suspicious online activity and contacted me immediately. it doesn't make sense that this activity wasn't AUTOMATICALLY flagged on a dormant card. And it also should have taken one five minute phone call to resolve this -- not a frustrating day.

by Chelsey Quinata
Auto Pay

I set up a payment through a secondary account, and I was still charged another payment from an account that didn't have enough money in it. So I was double charged from best buy, and charged a returned check fee from my bank. Calling their service hotline I received amazing service from Nathaniel and I am thankful for their although it was my fault for not realizing I was signed up for auto pay. They refunded me the payment from the second payment and they will reimburse me the returned check fee. I highly recommend getting this credit card, store is amazing and so is the hotline/over the phone workers. At other places they could be real jerks, but not here at best buy.

by Richard Pascual
Never ever have a Citicard again

I DIDN'T LIKE HOW MY ACCOUNT WAS HANDLED - IT'S SHOULD BE PAPERLESS BUT STATEMENTS NEED TO BE E-MAILED. I NEVER RECEIVED ANY STATEMENT FOR THE OCT. CHARGE IN NOVEMBER AN DECEMBER. I ONLY KNEW ABOUT THIS AS CREDIT KARMA E-MAILED ME SAYING MY CREDIT SCORE WENT DOWN DUE TO THIS BILL NOT BEING PAID. SO THE $19.99 CHARGED WENT UP TO $98 PLUS! BUT THE MOST THAT CAN BE DONE IS TO PAY $61.40 TO SETTLE THIS ACCOUNT FOR A $19.99 CHARGED. LOOKS LIKE THIS IS HOW YOU MAKE MONEY - NOT SENDING STATEMENT BUT SAYS WERE SENT AND NOW PENALIZES BIGTIME. THE BAD PART IS - I ONLY USE THIS FOR BEST BUY CHARGES . THANKS CREDIT KARMA FOR LETTING ME KNOW MY CREDIT SCORE WENT DOWN DUE TO NON PAYMENT OF THIS ACCOUNT OTHERWISE THIS COULD HAVE INCREASED TO HUNDRED OF DOLLARS FOR PENALTY.

by Margaret Reed
Awful Credit Card Customer Service

Two nights ago I went to Best Buy shopping for a refrigerator. The store I went did have the item available and they referred me to one of there other stores. It was suggested I open an account to receive bonus points on the purchase. I opened the account at that time knowing I would be purchasing from Best Buy in the next few days..Everything went through and I was given a substantial credit limit based on the my credit worthiness and income I am assuming The next evening I went to the recommended store and purchased a refrigerator. I put it on my new account and at the end of the transaction the salesman was requested to call the credit department. Then the nightmere began. I spoke to the rep who needed to verify me. I guess my photo ID in person was not enough. After 10 minutes of useless conversation the rep from the PHILLIPINES referred me to the security department. He was awful. He said he needed to verify my identity. Wanted my cell number...it did not come up in public records. Ofcourse not, I don't use that as a primary number!!!!! Then he wanted another credit card that was issued through Citibank. I had a Costco Citibank card that was in the car. I gave the phone back to the salesman while I went to the car to get the card only to return and be told by the Security Guy (and I use the term loosely!!!) that he could not use that card because I left and gave the phone to the salesman??????????? What the heck. He then stated since he could not identify me through public records that he was declining the transaction as it was unusual activity for my card. REALLY...I hadn't even had the account 24 hours. Needless to say I did purchase the item on another card but will NEVER shop BEST BUY again or refer anyone!!!!!!!!!!!! It's amazing to me who they will hire for these positions!!!!!!!!!! WORST EXPERIENCE EVER!!!!!!!!!!!!!

by Brin
This credit card is a SCAM

On February of this year, I bought a washing machine from Best Buy. I applied for the Best Buy visa card since this allowed me to pay my purchase using installments, interest free, for 18 months. Little did I know that Best Buy will start add fraudulent late fees charges on my account. Initially I was paying $27/month, then Best Buy visa started to change my amount from $27 to $31 to $57 to $61 that it became so confusing I could not keep up with those changes and they started adding late fees every month, stating the amount paid was incorrect. I called their Customer Service multiple times and escalated only to be told misleading information, by the supervisor, to the extent that this is not a late fee, is going to be deducted from your total payment, etc. She insisted that I only have to pay $31 for the month of October since I paid two weeks prior the $27. They sent me an interim bill for $61 (this is a game they play in order to state that you have not paid the full monthly amount, allowing them to overcharge).This constitutes fraud and their illegal business practices should be reported. Be aware of their SCAM. Worse credit card.

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