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⚖ Add to comparisonBest Buy · Visa
My Best Buy Visa Card
If you buy electronics at Best Buy regularly, this Citi-issued Visa earns up to 5% back there (the rate is tied to your My Best Buy membership tier) and works anywhere Visa is accepted, with no annual fee. The trap is the deferred-interest financing on big purchases: miss the payoff window and you're charged back-interest from day one, which can dwarf any rewards, so only use it if you'll clear the balance in full. Rewards come as Best Buy certificates, so they're really store credit. If you only shop Best Buy occasionally, a flat cash-back card is more flexible; confirm the current rate tiers and financing terms on Best Buy's site.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓The highest rewards rate at Best Buy
- ✓Promotional financing on big-ticket electronics
- ✓Rewards arrive as Best Buy certificates
👍 Pros
- + Carries no yearly fee
- + Healthy Best Buy rewards
- + Works anywhere that takes Visa
👎 Cons
- – Deferred-interest financing bills back-interest if you do not pay in full
- – Rewards are mostly handy at Best Buy
- – The top rate is tied to paid membership tiers
Can you get it?
- ▸A good credit score
- ▸A Best Buy account or membership
- ▸Enough income to back the credit line
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
Decided on the My Best Buy Visa Card?
Finish your application on Best Buy's own secure site.
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