My Best Buy® Visa® Card
No annual fee · 1x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Gas | 3x | uncapped |
| Dining | 2x | uncapped |
| Groceries | 2x | uncapped |
| Everything else | 1x | uncapped |
| 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 |
See how it ranks: best gas cards · best dining cards · best groceries cards.
Non-cash perks
- Promotional financing offers on Best Buy purchases (deferred-interest 6/12/18/24-month plans, or reduced-rate 24-48 month equal-payment plans around 11.90%-12.99% APR)
- My Best Buy Plus/Total membership ecosystem eligibility for extra financing offers and bonus reward events
- Optional My Best Buy Visa Gold tier available by creditworthiness, carrying a $59 annual fee with enhanced benefits
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. One thing on this card rules 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 its base 1x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
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 · www.bestbuy.com. Spot an error? Tell us.