My Best Buy® Visa® Card vs Citi Strata Credit Card
The My Best Buy® Visa® Card leads on gas stations; the Citi Strata Credit Card leads on hotels. 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)
Citi Strata Credit CardCiti · No annual fee
Overview
- Annual fee
- My Best Buy® Visa® Card$0 or $59$0 (Visa Platinum) or $59 (Visa Gold), set at approvalCiti Strata Credit Card$0
- Welcome offerCurrent public offer
- My Best Buy® Visa® Card—Citi Strata Credit Card20,000 points
- Rewards
- My Best Buy® Visa® CardBest Buy pointsNot cash; valued at certificate face value (250 points = one $5 Best Buy reward certificate)Citi Strata Credit CardCiti ThankYou Rewards
- Foreign transaction fee
- My Best Buy® Visa® CardNoneLowestCiti Strata Credit Card3%
- Network
- My Best Buy® Visa® CardVisaCiti Strata Credit CardMastercard
Earn ratesPer $1 spent · certificates and checkout discounts aren’t ranked against cash back or other points
- Beauty
- My Best Buy® Visa® Card0.5x1% in Best Buy certificate valueCiti Strata Credit Card3x
- Fitness
- My Best Buy® Visa® Card0.5x1% in Best Buy certificate valueCiti Strata Credit Card3x
- Gas Stations
- My Best Buy® Visa® Card1.5x3% in Best Buy certificate valueCiti Strata Credit Card3x
- Grocery Stores
- My Best Buy® Visa® Card1x2% in Best Buy certificate valueCiti Strata Credit Card3x
- Live Entertainment
- My Best Buy® Visa® Card0.5x1% in Best Buy certificate valueCiti Strata Credit Card3x
- Pet
- My Best Buy® Visa® Card0.5x1% in Best Buy certificate valueCiti Strata Credit Card3x
- Streaming
- My Best Buy® Visa® Card0.5x1% in Best Buy certificate valueCiti Strata Credit Card3x
- Top Spend Category
- My Best Buy® Visa® Card0.5x1% in Best Buy certificate valueCiti Strata Credit Card3x
- Transit
- My Best Buy® Visa® Card0.5x1% in Best Buy certificate valueCiti Strata Credit Card3x
- Dining
- My Best Buy® Visa® Card1x2% in Best Buy certificate valueCiti Strata Credit Card2x
- Everything else
- My Best Buy® Visa® Card0.5x1% in Best Buy certificate valueCiti Strata Credit Card1x
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
Citi Strata Credit Card- Citi Entertainment
- Points transfer
Protections & insuranceLimits where published · — means none on record
- Purchase & returns
- My Best Buy® Visa® Card
- Financing on Best Buy purchases $299+
- Zero Liability on unauthorized charges
Citi Strata Credit Card- Mastercard® ID Theft Protection
- Zero Liability on unauthorized transactions
- Purchase Protection up to $1,000 per claim
- Other protections
- My Best Buy® Visa® Card
- No foreign transaction fees
- 24/7 lost/stolen card assistance worldwide
Citi Strata Credit Card- Citi Travel®
- FICO score monitoring
- 24/7 lost/stolen card assistance worldwide
Pros & cons
- Pros
- My Best Buy® Visa® Card—Citi Strata Credit Card
- No annual fee
- 20,000 point welcome bonus
- 5X points on travel booked via Citi Travel
- 3X points on groceries, transit, gas, and Self-Select category
- Self-Select category flexibility (change quarterly)
- Cons
- My Best Buy® Visa® Card—Citi Strata Credit Card
- 3% foreign transaction fee
- 5X rate requires booking through Citi Travel portal
- Self-Select category can only change quarterly
- Lower transfer value compared to premium ThankYou cards
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 | Citi Strata Credit 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: $317 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $317 Year one: $637 | — | — |
| 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: $1,267 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,267 Year one: $1,587 | — | — |
Which Card Is Right for You?
Get the Citi Strata Credit 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 Citi Strata Credit Card?
- The Citi Strata Credit 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 Citi Strata Credit 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.