My Best Buy® Visa® Card vs Chase Sapphire Preferred Card
The My Best Buy® Visa® Card leads on gas stations; the Chase Sapphire Preferred Card leads on travel. See category winners and spend scenarios below.
Card data as of October 12, 2026.
My Best Buy® Visa® CardCiti · $0 or $59/yr by version (set at approval)
Chase Sapphire Preferred CardChase · $95/yr
Overview
- Annual fee
- My Best Buy® Visa® Card$0 or $59$0 (Visa Platinum) or $59 (Visa Gold), set at approvalChase Sapphire Preferred Card$95
- Welcome offerCurrent public offer
- My Best Buy® Visa® Card—Chase Sapphire Preferred Card75,000 points
- Rewards
- My Best Buy® Visa® CardBest Buy pointsNot cash; valued at certificate face value (250 points = one $5 Best Buy reward certificate)Chase Sapphire Preferred CardChase Ultimate Rewards
- Foreign transaction fee
- My Best Buy® Visa® CardNoneChase Sapphire Preferred CardNone
- Network
- My Best Buy® Visa® CardVisaChase Sapphire Preferred CardVisa Signature
Earn ratesPer $1 spent · certificates and checkout discounts aren’t ranked against cash back or other points
- Dining
- My Best Buy® Visa® Card1x2% in Best Buy certificate valueChase Sapphire Preferred Card3x
- Electric Vehicle Charging
- My Best Buy® Visa® Card0.5x1% in Best Buy certificate valueChase Sapphire Preferred Card3x
- Gas Stations
- My Best Buy® Visa® Card1.5x3% in Best Buy certificate valueChase Sapphire Preferred Card3x
- Grocery Stores
- My Best Buy® Visa® Card1x2% in Best Buy certificate valueChase Sapphire Preferred Card3x
- Streaming
- My Best Buy® Visa® Card0.5x1% in Best Buy certificate valueChase Sapphire Preferred Card3x
- Vacation Rentals
- My Best Buy® Visa® Card0.5x1% in Best Buy certificate valueChase Sapphire Preferred Card3x
- Travel
- My Best Buy® Visa® Card0.5x1% in Best Buy certificate valueChase Sapphire Preferred Card2x
- Everything else
- My Best Buy® Visa® Card0.5x1% in Best Buy certificate valueChase Sapphire Preferred Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- My Best Buy® Visa® Card—Chase Sapphire Preferred Card
- $120 Global Entry/TSA PreCheck/NEXUS credit · $120 every 4 years
- $100 hotel credit
- Entertainment & streaming
- My Best Buy® Visa® Card—Chase Sapphire Preferred Card
- A year of Apple TV, valued at $180 · $180 one-time
Perks & access— means none on record
- Other perks
- My Best Buy® Visa® Card
- Tap-to-pay contactless payments
- Free shipping on Best Buy online purchases
Chase Sapphire Preferred Card- Complimentary DashPass after activation
- Up to $10 monthly on a non-restaurant DoorDash order
- No Foreign Transaction Fees on international purchases
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- My Best Buy® Visa® Card—Chase Sapphire Preferred Card
- Travel Accident Insurance up to $500,000
- $10,000 Trip Cancellation Insurance per person
- $500 Trip Delay Reimbursement per traveler
- Baggage
- My Best Buy® Visa® Card—Chase Sapphire Preferred Card
- $500 Baggage Delay Insurance ($100 per day)
- $3,000 Lost Luggage Reimbursement per traveler
- Rental car
- My Best Buy® Visa® Card—Chase Sapphire Preferred Card
- Auto Rental Coverage
- Purchase & returns
- My Best Buy® Visa® Card
- Financing on Best Buy purchases $299+
- Zero Liability on unauthorized charges
Chase Sapphire Preferred Card- 120-day Purchase Protection up to $500 per item
- Extended warranty
- My Best Buy® Visa® Card—Chase Sapphire Preferred Card
- Extended Warranty Protection adds 1 extra year
- Other protections
- My Best Buy® Visa® Card
- No foreign transaction fees
- 24/7 lost/stolen card assistance worldwide
Chase Sapphire Preferred Card- Travel and Emergency Assistance Services
Pros & cons
- Pros
- My Best Buy® Visa® Card—Chase Sapphire Preferred Card
- 75,000 point welcome bonus after $5,000 in purchases in the first 3 months
- $95 annual fee partly offset by a $100 Chase Travel hotel credit each account anniversary year
- 1:1 transfer to 14 airline and hotel partners including Hyatt
- 5X on Chase Travel, 3X dining, streaming, online groceries
- Trip cancellation, delay, and lost luggage insurance included
- Cons
- My Best Buy® Visa® Card—Chase Sapphire Preferred Card
- $95 annual fee vs $0 Freedom cards
- No lounge access included
- 5/24 rule restricts applicants with 5+ cards in 24 months
- No 0% intro APR offer
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
| Scenario | My Best Buy® Visa® Card | Chase Sapphire Preferred Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Estimated Best Buy certificate value: $180 Credits (our usable estimate): $0 Annual fee $0 (Visa Platinum) or $59 (Visa Gold), set at approval; net est. $180 (Visa Platinum) or $121 (Visa Gold) Ongoing: — Year one: — | Rewards: $346 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $326 Year one: $1,784 | — | — |
| Heavy spender: $4,000/month | Estimated Best Buy certificate value: $720 Credits (our usable estimate): $0 Annual fee $0 (Visa Platinum) or $59 (Visa Gold), set at approval; net est. $720 (Visa Platinum) or $661 (Visa Gold) Ongoing: — Year one: — | Rewards: $1,382 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $1,362 Year one: $2,820 | — | — |
Which Card Is Right for You?
Get the Chase Sapphire Preferred Card if you:
- +Prefer a high flat rate across all spending
Frequently Asked Questions
- Which card earns more rewards, the My Best Buy® Visa® Card or Chase Sapphire Preferred Card?
- The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0.5X), but both cards have different bonus categories where they excel.
- Should I get the My Best Buy® Visa® Card or the Chase Sapphire Preferred Card?
- Choose based on which bonus categories and benefits match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.