Citi · Visa · personal · Cash back
Citi
My Best Buy Visa
VISA
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$0
annual fee · $0–$59, based on creditworthiness (issuer wording)
0%
foreign txn fee
$0
credits/yr realistic ($0 face)
Earning
| Best Buy (Electronics stores)
"5% back in rewards" on Best Buy purchases (2.5 pts/$1). My Best Buy Plus/Total members get 6% total because the membership's own 1% (0.5 pt/$1) stacks with the card's 5%.
|
5% | 5% |
| Gas stations
"3% back in rewards on gas purchases" (1.5 pts/$1)
|
3% | 3% |
| Dining & restaurants
"2% back in rewards on grocery, dining and takeout purchases" (1 pt/$1)
|
2% | 2% |
| Groceries (supermarkets)
"2% back in rewards on grocery, dining and takeout purchases" (1 pt/$1)
|
2% | 2% |
| Everything else
"1% back in rewards on other purchases where Visa is accepted" (1 pt/$2)
|
1% | 1% |
Right column: value per $ at travel valuation (1¢/pt). Dollar-for-dollar.
Credits
None.
Benefits
- Rewards issued as My Best Buy reward certificates (spendable at Best Buy only) — Points bank in your My Best Buy account and issue as reward certificates; not cash.
- Promotional financing offers on Best Buy purchases — Deferred-interest financing (e.g. 12 months storewide on $299+, 24 months on major appliances $1,499+) is offered on Best Buy purchases; bestbuy.com states the rewards-or-financing choice for the store card and did not spell it out for the Visa.
- No foreign transaction fees
- No annual fee ($0–$59 based on creditworthiness)
Protections
Notes
Citi-issued (Citi Retail Services) co-brand Visa; a separate closed-loop My Best Buy Credit Card exists (store only). Rewards are Best Buy points/certificates, not cash, so the 'cash' currency here is a convenience — value only if you shop at Best Buy. The store card advertises 10% back on your first day of purchases within 14 days of account opening; bestbuy.com lists that for the store card, not the Visa, so no signup_bonus is recorded. Web-verified 2026-09-08 against https://www.bestbuy.com/site/financing-rewards/my-best-buy-credit-card/pcmcat102500050032.c?id=pcmcat102500050032.