My Best Buy Visa
By Alex Compton · Last verified
5% back at Best Buy plus the financing offers electronics buyers actually use.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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 |
|---|---|---|---|---|
| 2026-06 | 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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 5xBest Buy purchasesIssued as Best Buy certificates
- 3xGas stations
- 2xGroceries, dining and takeout
- 1xAll other purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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