My Best Buy™ Visa

For People with
Fair Credit



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.

Card Quick Facts

Card Quick Facts

  • Earn 5% back at Best Buy OR 12 month financing on purchases $399 and higher.
  • Earn 2% back at restaurants and on groceries
  • Earn 2% back on gas until January 2016
  • Earn 1% back on all other purchases

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 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
How to Redeem

Introductory Bonus

  • 10% back in rewards when you make your first purchase
Card Stats

Card Stats

Annual Fee $0-$59 (depending on creditworthiness)
Additional Cards Annual Fee -
Regular Purchase APR 25.24% (Variable) or 11.90% (Variable) on select purchases
Intro Purchase APR -
Foreign Transaction Fee See Terms
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 Up to $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 25.24% (Variable)
Balance Transfer Fee 5%; Min:$15
Cash Advances

Cash Advances

Cash Advance APR 27.99% (Variable)
Cash Advance Fee 5%; Min:$10

Card Benefits

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

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:  
 14 reviews
by Jason Maynard
No communication

I got this card because I didn't want to buy a brand new TV out of pocket, I really should have just bought the TV outright. This card dropped my credit by 3 points just getting it. They sent no information to me and when I called and asked they told me they told me they had sent the bills even though I know for a FACT they did not. I ended up getting so upset I just paid the full amount after the second month straight of fees. No card was ever given to me at any point. This is without a doubt the worst card I've ever had. I would strongly recommend that you do not get this card.

by Susan Russ
Outrageous interest fees - Don't get this card.

While purchasing a tv at Best Buy the clerk convinced me to get the VISA card because I would get $30 off my purchase. I agreed. A year later I noticed that even when making double the minimum payment (early) every month by balance barely went down. The interest is 45%! Every month Best Buy ads at least $45 to my balance. That's paying over $500 a year on a balance less that $1900! This is sanctioned thievery. DO NOT ever get this card.

by Lisa Hopkins
DONT DO IT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Don’t make the mistake and do what I did. Last year I went to Best Buy’s and workers were hounding me to get a credit card with them. The lady said it’s a good card and it’s like getting free money. So I was stupid and opened a card. Long story short,1 year later my balance was 900.00 something & so they slammed me with a 500.00 interest fee and want it paid NOW 😐 so now not only is my card negative but it is messing with my credit score and instead of me having 726 I have 543 as a credit score🤬 so I called them to maybe get a payment plan but all’s they said was there’s nothing they can do for me with a attitude!!!👊🏻 I’m ripping this stupid ass card up and they can take the payments I’m gonna pay them and they can stick it we’re the sun doesn’t shine!!!! SCAMMERS!!!!!!!!!!!

by Dana
Not worth it

I have been seeking resolution since the end of June, 2018 regarding my Best Buy Citibank credit card statement, about which I have never received and about which Citibank credit card claims I signed up for e-statements. I have called, composed a 3 page letter and faxed it. I have called again, as I am not at all pleased nor have I received any satisfaction as to how the credit card company has replied or handled the case. Long story short, it is my customer again company. While Citibank has credited two late fees back to me, the end result is that I never received a paper statement for a $20 purchase so the late fees piles up for 2 months and my credit scored drop 100 points. Luckily my score was solid to begin with but that is beside the point. The credit card has claimed that it is my fault for not receiving the e-statements since I can not offer any proof. How can I offer proof if I never received an e-statement. They have treated me like an ignorant person who knows nothing about technology as well as an idiot who doesn't know how to check my emails. I explained that I do not do e-statements. Period. I also explained that if I received an email reminder via Best Buy re: Geek squad protection plan, why am I not receiving e-statement? THEY HAVE NO ANSWER TO THAT. I have told them they have lost a customer and they seem to not care about that or my situation.

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.

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