VisaMy Best Buy Visa
5% back at Best Buy plus the financing offers electronics buyers actually use.
Welcome Bonus
None
10% back in rewards on your first day of purchases, double the normal 5%, when used within 14 days of account opening
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xBest Buy purchases
- 3xGas stations
- 2xGroceries, dining and takeout
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Choice of 5% back or deferred financing on big Best Buy purchases
- ✦Unlike the store-only My Best Buy Credit Card sibling, this Visa works anywhere
- ✦Real earn rates on gas, groceries and dining for a retail card
Why it earns its spot
- +5% at Best Buy is a strong store rate
- +Gas, grocery and dining categories give it life outside the store
- +No annual fee on the standard Visa
Where it costs you
- −Rewards come as Best Buy certificates that expire
- −Citi can approve you into the Visa Gold version with a $59 fee instead
- −Financing offers forfeit the 5% back
The Compound Verdict
One of the better retail cobrands because the off-store categories are not insulting. The catch is redemption: everything funnels back into Best Buy certificates with expiration dates. Fine as a Best Buy loyalist card, not a wallet anchor.
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