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

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Upgrade Cash Rewards Visa®
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Regular APR
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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

Low income
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
4.06 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 3%
    Cash Back on Home, Auto and Health categories.
  • None
    Purchase Intro APR
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For bad credit
Petal® 1 "No Annual Fee" Visa® WebBank
Petal® 1 "No Annual Fee" Visa®
WebBank
4.34 out of 5
Recommended credit score
score
No Credit History to Good (0-739)
  • None
    Annual Fee
  • 29.49% - 34.49%
    Regular APR
  • 2% - 10%:
    Cash Back at select merchants.
  • None
    Purchase Intro APR
Apply now
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Beginner, No history
Petal® 2 “Cash Back, No Fees” Visa® WebBank
Petal® 2 “Cash Back, No Fees” Visa®
WebBank
3.8 out of 5
Recommended credit score
score
No Credit History to Excellent (0-799)
  • None
    Annual Fee
  • 29.49% - 31.49%
    Regular APR
  • 1% - 1.5%:
    Cash Back after making 12 on-time monthly payments.
  • None
    Purchase Intro APR
Apply now
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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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