My Best Buy Visa Card Credit Card

My Best Buy Visa Card

Last Updated: 02/25/2026

Rating
2.8 / 5
Sign Up Bonus
No Welcome Bonus
Annual Fee
$0
Credit Score
Good

Summary

Sign-Up Bonus
0
Spending Multipliers
3.5
Credits & Features
0
Fees
4.5
Application
3.5
Issuer
5

The Citi My Best Buy Visa Card from Citibank is a no-annual-fee credit card designed for tech-savvy shoppers who frequently make purchases at Best Buy. Unlike the store-only version, this Visa card can be used anywhere Visa is accepted, providing flexibility beyond Best Buy, while still catering to loyal customers who want to streamline electronics and appliance spending. With no foreign transaction fees, it’s also suitable for occasional international purchases, though it does not offer a welcome bonus or other notable perks. This card benefits Best Buy enthusiasts who want a simple, fee-free credit option that combines everyday Visa usability with the convenience of store-specific financing and payment management.

Pros

Check mark
No annual fee
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No Foreign Transaction Fee

Cons

Negative sign
No welcome bonus

Issuer

Citi, founded in 1812 as First National City Bank, boasts a rich history of banking innovations and global leadership. Operating in nearly 160 countries with a localized presence in 95, Citi offers a diverse range of financial products, including credit cards, checking accounts, loans, and wealth management. With a customer-centric approach, Citi targets various segments, from low-income earners to high-income professionals, emphasizing innovation to simplify financial goals. The bank, with $2.6 trillion in total assets and $168 billion in annual revenue in 2025, maintains financial stability. Citi's commitment to technology is evident in its longstanding focus on innovation labs and leveraging advancements. Philanthropy and corporate social responsibility are integral to Citi's ethos, with initiatives like the Citi Foundation promoting economic progress and supporting education. Citi operates about 670 branches in the US but prioritizes online banking. Upholding values of integrity and responsibility, Citi aims to be a trusted partner in providing responsible financial services. As an FDIC-insured institution, Citi aligns its actions with regulatory compliance.

Spending Multipliers

5%

Cash Back at BestBuy

3%

Cash Back on gas

2%

Cash Back on groceries

2%

Cash Back on dining

1%

Cash Back on all purchases

Credits & Features

No known features

Application

  • Citi has a strict 8/65 rule, meaning you can only apply for 1 Citi card every 8 days and at most 2 Citi cards every 65 days
  • Number of hard pulls have a huge impact on Citi applications, consider having less than 6 hard pulls in the past 6 months

Fees

  • No Annual Fee
  • No Foreign Transaction Fee
  • Up to $41 late fee
  • 30.74% APR
See Full and Updated Rate & Fee Schedule During Application Process