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.

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.


  • 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:  
 7 reviews
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 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.

by RC
Customer service are the worst

Their costumer service are the worst. They have attitude and when you call them back they don't answer the call. Citi bank best buy credit card should replace this people. Only 1 guy help me. Thor you need to trained your peers and your supervisor. Better yet you should be the supervisor.

by Lindsay trammell
Best credit card, ever!!

They gave me a decent size credit limit, from the start and then increased a few months later just from making small payments. When I was in a bind, they allowed me to go over my credit limit, which other cards would not.

by jason
Any other card is a better choice than this one

The card itself has decent rewards. That is where the good ends. Annual fees and very poor customer service. If you ever want a credit line increase, itll hit as a hard inquiry on your credit and they said they never increase automatically. Calls to customer care never give any kind of real answer. I was told to call other agencies to tell me what Best Buy credit will do. Made no sense and was no help on any call.

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