My Best Buy® Credit Card
No annual fee · no published rate on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | not published | the issuer does not print a rate for uncategorised spending |
| Other at Best Buy only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
5x | uncapped |
Non-cash perks
- Store-only card usable at Best Buy and bestbuy.com (not accepted elsewhere)
- Promotional financing offers on Best Buy purchases (deferred-interest or reduced-rate installment plans)
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who doesn't spend at Best Buy. Its largest printed rate, 5x on other, pays only at Best Buy. Anywhere else it earns no published rate, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
- Anyone wanting one card for everything. The issuer publishes no earn rate for spending outside the categories above, so we cannot tell you what an uncategorised dollar earns here. We print that as unknown rather than as a zero, but it does mean this card cannot be judged as an everything card.
More from Citi
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-03 against issuer terms · sources: www.bestbuy.com · www.citi.com. Spot an error? Tell us.