My Best Buy Visa
By Alex Compton · Last verified
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 at Best Buy, double the normal 5%
Spend Requirement
None
Annual Fee
$0
No 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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 0 | No recorded spend | Terms reconfirmed10% back in rewards on your first day of purchases at Best Buy, double the normal 5% | Citi My Best Buy Credit Cards product page → |
| 2026-06 | 0 | No recorded spend | Terms reconfirmed10% back on first day of purchases within 14 days of opening | Archive record · no attached snapshot |
| 2024-06 | 0 | No recorded spend | Earliest record10% back on first day of purchases | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Visa now shows no foreign transaction fee; first-day 10% offer has no stated 14-day window; Gold-version con removed.
Fields: foreignTransactionFee, currentOffer, cons
Citi My Best Buy Credit Cards product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xBest Buy purchasesIssued as Best Buy certificates
- 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
- ✦No foreign transaction fees on the Visa
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
- −Annual fee is set by creditworthiness, so check the pricing terms before applying
- −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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