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My Best Buy Visa® Card

Credit needed
Good
APR
Variable at 25.24%
Annual Fee
$0

Card Summary

Best Buy customers earn 5% on Best Buy purchase with their My Best Buy Visa Card. Shoppers who have Elite Plus Cards earn 6% more in rewards. You get 3% off your gas bill with the card. You get 3% back on gas for dining and grocery shopping. Other eligible purchases are entitled to 1%.

You can redeem your rewards for Best Buy products. You can get a lower APR on qualified purchases for up to 12 months. The standard APR will be variable at 25.24% after that.

The Best Features:

There is no annual charge.

Reward: Cardholders of My Best Buy Visa Card can receive unlimited points in a variety of categories. With the My Best Buy Visa Card, you'll get 5% off your Best Buy purchase.

For Elite Plus cardmembers, the rewards increase up to 6%. You get 3% off your gas bill with the card. You get 2% back on dining and grocery orders, while other purchases are eligible for 1%.

Drawbacks:

Interest rates are high.

There are limited redemption options.

My Best Buy Visa Card Rewards vouchers will be automatically given to cardholders with 250 points. Best Buy vouchers can be used only for purchases and expire one year after they are printed.

There are no card benefits with the My Best Buy Visa Card.

There is no sign-up bonus for the My Best Buy Visa Card.

Card Summary - Cons

Rates and fees

Issuer Name
Citi
Penalty APR
N/A
Credit Needed
Good
Balance Transfer Fee
N/A
Annual Fee
$0
Cash Advance Fee
N/A
APR
Variable at 25.24%
Foreign Transaction Fee
N/A
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Here’s a smart way to pay off

Citi

The Best Features

Rewards

Sign up bonus

APR Requirements

Drawbacks

Highlights

For a limited time, 18-month financing is available on all storewide orders of $499 or more Offer ends 12/25/20.

Get the My Best Buy credit card approval today.

Rewards:

Get 5% Back.
Flexible financing options.
Gas purchases earn you 3% in gas rewards.
Redeem 2% on your grocery and dining purchases.
Redeem 1% on all purchases.

Benefits

Comparative Analysis with Other Cards

My Best Buy Visa Card vs.American Express Blue Cash Everyday Card

Annual Fee: There is no annual fee for either card.

Reward: Best Buy Visa Cardholders earn 5% on all Best Buy Purchases For Elite Plus cardmembers, the rewards increase up to 6%. You get 3% off your gas bill with the card. The card offers 3% back on gas, with 2% for dining and grocery. Other eligible purchases are given 1%.

American Express Blue Cash Everyday card holders get 3% cashback rewards on U.S. grocery purchases up to $6,000 annually, plus 1% and 2% for U.S. gasoline station purchases and selected U.S. department stores purchases and 1% on all other purchases.

Sign-up offers: No welcome offer for the My Best Buy Visa Card. After you make $2,000 of purchases with the Blue Cash Everyday Card by American Express within 6 months, you will receive $200 in statement credit.

Benefits: My Best Buy Visa Card Holders do not receive any benefits. The Blue Cash Everyday Card American Express offers fraud protection and car rental loss and damages insurance. These terms apply.

My Best Buy Visa Card vs. Amazon Rewards Visa Signature Card

Annual Fee: There is no annual fee for the card.

Reward: The My Best Buy Visa Card will give you 5% off your Best Buy purchase. For Elite Plus cardmembers, the rewards increase up to 6%. You get 3% off your gas bill with the card. You get 2% back on grocery and dining purchases, while other purchases are eligible for 1%.

Amazon Rewards Visa Signature Card Holders receive 3% cashback at Amazon.com/Whole Foods Market and 2% at gas stations, drugstores and restaurants. All other purchases are 1%.

Your earnings can increase up to 5% if the card is used in conjunction with an Amazon Prime Membership.

Sign-up bonus: No welcome offer for the My Best Buy Visa Card After approval, the Amazon Rewards Visa Signature card offers a $60 Amazon.com Gift Card. After approval, the gift card's value will be increased to $100 if your Amazon Prime membership is eligible.

Benefits: My Best Buy Visa Card does not offer card benefits. Benefits of the Amazon Rewards Visa Signature Card include luggage delay insurance, an extended warranty, lost baggage reimbursement, purchase protection and assistance with travel and emergencies.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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No late fees. Reduced interest charges. Pay off

Citi