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My Best Buy® Credit Card

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Our rating
Credit range: Fair
Annual Fee: $0
Regular APR: 27.49% Variable (11.90% Fixed for select purchases)

My Best Buy® Credit Card

Our rating
Fair Credit range
$0 Annual Fee
Apply Now Read our Review

Highlights & Features

Rewards

  • 5% back in rewards at Best Buy and BestBuy.com, or deferred financing for eligible purchases

INTRODUCTORY BONUS

10% back in rewards on your first day of purchases within 14 days of opening the account

Balance Transfers

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

Intro Balance Transfer APR None
Regular Balance Transfer APR None
Balance Transfer Fee None

Fees

Penalty APR None
Late Fee Up to $38
Returned Payment Fee None
Additional Cards Annual Fee None
Foreign Transaction Fee None

Cash Advances

Borrowing cash on your credit 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: None
  • Cash Advance Fee: None
ABOUT THE ISSUER

Citi

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
My Best Buy® Credit Card

Highlights

  • 5% back in rewards at Best Buy and BestBuy.com, or deferred financing for eligible purchases
  • No annual fee

The My Best Buy Credit Card offers cardholders 5% in rewards for every purchase, or you can choose a deferred financing plan that allows you to pay over time at no interest.

However, if you choose a deferred financing plan and fail to pay back the entire balance by the end of the term, or if you make any late payments, you’ll be charged interest going all the way back to the purchase date. You can read more about these deferred financing plans here.

This card has no annual fee.

There are two versions of this card: the My Best Buy Credit Card Preferred, and the My Best Buy Credit Card. As far as we can tell, there is no difference between these cards.

When applying for this card, you’ll first be considered for the My Best Buy® Visa® (Review), a different card offer from Best Buy. If you don’t qualify for that, you’ll next be considered for the My Best Buy Credit Card Preferred; then you’ll be considered for the My Best Buy Credit Card; then you’ll be considered for the My Best Buy Gold Visa.

The Gold Visa has an annual fee of $59, but if you cancel your card within 30 days you won’t have to pay the fee.