Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
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.
Up to 5X (Best Buy)
Highest rate (conditional)
Annual Fee
$0
Network
Visa Traditional
Rewards Currency
Best Buy
Credit Required
Good
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.
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.
Earn 1 point per $1 on restaurant, bar, and takeout purchases. At 2 cents per point, that equals 2% back in Best Buy rewards.
Earn 1 point per $1 at grocery stores. At 2 cents per point, that equals 2% back in Best Buy rewards.
Benefits & Perks
No fees on purchases made outside the United States.
Deferred interest financing available on qualifying Best Buy purchases of $299 or more.
Pay-per-use roadside help ($79.95/call): towing (5 miles included), fuel delivery, lockout — no membership needed.
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Reviews & Analysis
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
| Purchase APR | 30.74% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Source | Verified | Citation |
|---|---|---|
| Citi | Citi: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Earn rates | |
| Citi | — | Citi |
| RewardsCC API | — | RewardsCC API |
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
