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My Best Buy Visa credit card
VISAVisa Traditional

My Best Buy® Visa® Card

2.5X points at Best Buy plus 1.5X on gas and bonus dining with $0 annual fee

Earn 2.5 points per $1 at Best Buy (5% back in rewards), 1.5 points per $1 on gas (3% back), 1 point per $1 on groceries and dining (2% back), and 0.5 points per $1 on everything else. Choose between rewards or flexible financing on purchases $299+. $0 annual fee for qualified applicants.

Annual Fee
$0 or $59/yr by version (set at approval)
Source: Citi
Highest rate (not cash)
2.5X Best Buy points (est. 5% in certificate value)

Terms checked against the issuer on October 10, 2026

Apply on Citi's site

At a Glance

Annual Fee
$0 or $59/yr by version (set at approval)
Foreign Transaction Fee
$0
Network
Visa Traditional
Rewards Currency
Best Buy points (not cash; est. at certificate value)
Credit Required
Good

Earning Rates

  1. 2.5X

    Best Buy

    2.5 points per $1 on qualifying Best Buy and BestBuy.com purchases (issuer's "5% back in rewards" as certificate face value)

  2. 1.5X

    Gas Stations

    1.5 points per $1 on gas (issuer's "3% back in rewards" as certificate face value)

  3. 1X

    Dining

    1 point per $1 on dining (issuer's "2% back in rewards" as certificate face value)

  4. 1X

    Grocery Stores

    1 point per $1 on grocery (issuer's "2% back in rewards" as certificate face value)

  5. 0.5X

    All Other

    0.5 points per $1 on other purchases (issuer's "1% back in rewards" as certificate face value)

Earning Scenarios

2.5X Points at Best Buy (5% Back)

Earn 2.5 points per $1 on all Best Buy purchases. At 2 cents per point, that equals 5% back in rewards redeemable as Best Buy reward certificates.

1.5X Points on Gas (3% Back)

Earn 1.5 points per $1 at gas stations everywhere Visa is accepted. At 2 cents per point, that equals 3% back in Best Buy rewards.

1X Points on Dining (2% Back)

Earn 1 point per $1 on restaurant, bar, and takeout purchases. At 2 cents per point, that equals 2% back in Best Buy rewards.

1X Points on Groceries (2% Back)

Earn 1 point per $1 at grocery stores. At 2 cents per point, that equals 2% back in Best Buy rewards.

Benefits & Perks

Insurance & Protections

4 protections

  1. No foreign transaction fees

    No fees on purchases made outside the United States.

  2. Zero Liability on unauthorized charges

    You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

  3. Financing on Best Buy purchases $299+

    Deferred interest financing available on qualifying Best Buy purchases of $299 or more.

  4. 24/7 lost/stolen card assistance worldwide

    Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

Dining Out

1x at restaurants

Best Buy

100 points on a $100 dinner. We don't put a dollar value on this currency yet.

Annual fee not published

Explore 5,512 New York restaurants with this card

Stack a dining program

Rakuten Dining

5% back at 20,618 participating restaurants, on top of this card's 1x, once you join and link this card.

How Rakuten Dining works

+$5

cash back, or ≈$5.50 as points

More on a $100 dinner

Reviews & Analysis

Third-Party Rankings & Ratings

3 sources
U.S. News3.8/5
WalletHub3.8/5
Forbes Advisor1.2/5

How It Compares

The My Best Buy Visa earns 2.5X points at Best Buy (5% back) and adds 1.5X on gas (3% back), 1X on dining and grocery (2% back), and 0.5X everywhere else (1% back). Rewards redeem only as Best Buy certificates at 2 cents per point. Financing option defers interest on purchases $299+ for 12-24 months.

Details & Terms

Payment Terms

Purchase APR30.99% (Variable)
Cash Advance APR29.99% (Variable)
Foreign Transaction Fee$0

Top brands for this card

Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.

Explore More

See all Citi cards →Best Credit Cards for GasBest Dining Credit CardsBest Credit Cards for GroceriesBrowse all card categories →Browse all card benefits →Browse all credit cards →

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.