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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

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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
Your Results
Yearly earnings
$156
Annual fee
$0
Yes, Citi My Best Buy® Visa® credit card is worth its annual fee!
How to maximize your Citi My Best Buy® Visa® rewards?

Follow these simple steps to make the most of Citi My Best Buy® Visa® credit card:

  • Spend more on Best Buy purchases
  • Pay off your balance in full each month.
  • Make a large purchases plan.

Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with Citi My Best Buy® Visa®.

Your net profit in the first year
$156
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You will receive $156 in the first year
Where you get the most profit
  • Best Buy purchases
  • Gas
  • Grocery
  • Dining
  • All other purchases
Best Buy purchases
$60
Gas
$36
Grocery
$24
Dining
$24
All other purchases
$12
Total
$156
Annual fee
$0
Net yearly credit card profit
$156

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

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    Purchase Intro APR
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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.

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