My Best Buy Visa Card
A retail co-branded Visa (issued by Citi) that earns elevated rewards at Best Buy and on everyday categories, with flexible financing options on electronics.
Why it ranks
- No annual fee
- Strong Best Buy rewards
- Usable anywhere Visa is accepted
What holds it back
- Deferred-interest financing charges back-interest if not paid in full
- Rewards mostly useful at Best Buy
- Best rate tied to paid membership tiers
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A retail co-branded Visa (issued by Citi) that earns elevated rewards at Best Buy and on everyday categories, with flexible financing options on electronics.
My Best Buy Visa Card at a glance
| Issuer | Best Buy |
| Card network | Visa |
| Annual fee | No annual fee |
| Welcome bonus | Bonus reward certificate for new cardholders |
| Rewards rate | Up to 5% back in rewards at Best Buy, plus elevated rewards on gas, dining and grocery, and 1% everywhere else (My Best Buy Memberships affect the rate) |
| Intro APR | Deferred-interest promotional financing on qualifying Best Buy purchases |
| Regular APR | See terms (store and Visa versions vary) |
| Foreign transaction fee | None |
| Credit needed | Good (690+) |
| Best for | Frequent Best Buy shoppers and electronics buyers |
| Airport lounge access | No |
Rewards & benefits
- Top tier rewards rate at Best Buy
- Special financing on big-ticket electronics
- Rewards issued as Best Buy certificates
Eligibility & who it suits
- Good credit score
- Best Buy account/membership
- Sufficient income to support the line
How to apply
Check current rates on Best Buy’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | BBBest BuyMy VisaNo annual fee · US My Best Buy Visa CardFrequent Best Buy shoppers and electronics buyers |
None | Up to 5% back in rewards at Best Buy, plus elevated rewards on gas, dining and g… | Bonus reward certificate for new cardholders | None | Good (690+) | |
| 2 | A/Amazon / ChasePrime Visa AmazonNo annual fee · US Prime Visa (Amazon)Amazon Prime members and frequent online shoppers |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2% gas/dini… | Amazon gift card on approval | None | Good (690+) | |
| 3 | TTargetRedCardNo annual fee · US Target RedCard Credit CardRegular Target shoppers |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended returns | Discount for new cardholders | N/A | Fair to Good (640+) | |
| 4 | SSynchronySam's Club MastercardNo annual fee · US Sam's Club MastercardSam's Club members who buy a lot of gas |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and takeout, 3% o… | Statement credit after a qualifying purchase soon after open… | None | Good (690+) |
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