USES

My Best Buy® Visa® from Citi Review

My Best Buy® Visa® from Citi — all information about the credit card.

Updated October 20, 2023
Advertiser Disclosure Our Methodology

Good Choose for Gamers

My Best Buy® Visa® Citi
Learn more
Our Rating:
2.68 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back in rewards at Best Buy (6% back in Rewards for Elite Plus Cardmembers).
    • 3% Cash Back on gas purchases.
    • 2% Cash Back on grocery, dining and takeout purchases.
    • 1% Cash Back on everyday purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    31.49% Variable
  • Balance Transfer APR:
    None
Show more

We recommend more cards

Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
1.5%
Cash Back on payments.
Apply now
On Upgrade‘s website
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
3%
Cash Back on Home, Auto and Health categories.
Apply now
On Upgrade‘s website
The Owner’s Rewards Card by M1 Celtic Bank
The Owner’s Rewards Card by M1
Celtic Bank
$0
Annual Fee
17.99% - 27.99%
Regular APR
10%
You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
Apply now
On Celtic Bank‘s site
Learn more

Citi My Best Buy® Visa® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5%
Best Buy purchases
$
3%
Gas
$
2%
Grocery
$
2%
Dining
$
1%
All other purchases
$
Calculate
Show less details

All benefits

  • Cash back
    • 5% In rewards at Best Buy (6% back in Rewards for Elite Plus Cardmembers).
    • 3% On gas purchases.
    • 2% On grocery, dining and takeout purchases.
    • 1% On everyday purchases.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 31.49% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • None
  • APR for Cash Advances
    • None
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $0
  • Late Payment
    • Up to $41
View all Rates & Fees

Pros & Cons

Pros:
  • Rewards on Best Buy purchases
  • No Annual Fee
  • No Foreign Transaction Fee
Cons:
  • High APR

Features

Classic
Visa
Contactless
  • No Annual Fee
  • No foreign transaction fees
  • Cashback
  • Payment Flexibility
  • Rewards
  • Good Credit
  • Excellent Credit

About the issuer

Citi
Citi has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

Divvy Cross River Bank
Divvy
Cross River Bank
4.04 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
  • None
    Regular APR
  • 2x - 7x:
    Points on restaurants.
  • None
    Purchase Intro APR
Apply now
On Cross River Bank‘s site
Low income
First Access Visa® The Bank of Missouri
First Access Visa® Card
4.2 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • $75.00 for the 1st year, $48.00 after
    Annual Fee
  • 35.99%
    Regular APR
  • 1%
    Earn 1% cash back rewards on payments made to your First Access Credit Card.
  • None
    Purchase Intro APR
Apply now
On the First Access Visa® Card secure website
Unsecured
Destiny® Mastercard® First Electronic Bank
Destiny® Mastercard®
First Electronic Bank
1.47 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • *see terms*
    Annual Fee
  • 35.9%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On First Electronic Bank‘s site

See Another Credit Cards in the Bank

Citi My Best Buy® Visa® is an option for those, who need Classic features. With an APR of 31.49% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Citi My Best Buy® Visa® you will get such features as No Annual Fee, No foreign transaction fees, Cashback, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you
First Progress Platinum Prestige Mastercard® Secured Synovus Bank
First Progress Platinum Prestige Mastercard® Secured Credit Card
3.8 out of 5
Recommended credit score
scorer
No Credit History to Fair (0-669)
  • $49
    Annual Fee
  • 14.24%
    Regular APR
  • 1%
    Cash Back rewards on payments.
  • None
    Purchase Intro APR
Apply now
On First Progress’s site