My Best Buy Visa Card
Best for: Frequent Best Buy shoppers buying electronics
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
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
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.
My Best Buy Visa Card at a glance
| Issuer | Best Buy |
| Card network | Visa |
| Annual fee | No annual fee |
| Rewards rate | Up to 5% back in rewards at Best Buy, plus elevated rewards on gas, dining and grocery, and 1% everywhere else (My Best Buy Memberships affect the rate) |
| Welcome bonus | Bonus reward certificate for new cardholders |
| Intro APR | Deferred-interest promotional financing on qualifying Best Buy purchases |
| Regular APR | See terms (store and Visa versions vary) |
| Foreign transaction fee | None |
| Credit needed | Good (690+) |
| Airport lounge access | No |
| Best for | Frequent Best Buy shoppers buying electronics |
Rewards & perks
- 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
Who should apply
- A good credit score
- A Best Buy account or membership
- Enough income to back the credit line
Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Best Buy site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Best BuyMy Visa 4408 9942 2011 5314 VALID THRU 05/29JORDAN TAYLOR My Best Buy Visa CardFrequent Best Buy shoppers buying electronics |
None | Up to 5% back in rewards at Best Buy, plus elevated rewards on gas, di… | Deferred-interest promotional financing on qualifying Best B… | None | Good (690+) | |
Amazon / ChasePrime Visa Amazon 4813 5646 4964 7475 VALID THRU 01/29JORDAN TAYLOR Prime Visa (Amazon)Prime members who spend heavily at Amazon and Whole Foods |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2… | None | None | Good (690+) | |
TargetRedCard 5485 8136 1849 2288 VALID THRU 10/31ALEX MORGAN Target RedCard Credit CardRegular Target shoppers who want instant checkout savings |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended r… | None | N/A | Fair to Good (640+) | |
SynchronySam's Club Mastercard 5596 3921 3882 2890 VALID THRU 09/32JORDAN TAYLOR Sam's Club MastercardSam's Club Plus members with high monthly fuel spend |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and tak… | None | None | Good (690+) |
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