10 Best Credit Cards for On Buy of October 2026
Top picks for On Buy from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at On Buy. Order can differ from that column because ranking adds the adjustments above.
My Best Buy® Visa® Card earns the top spot for On Buy purchases at 3.0¢ per dollar in estimated Best Buy certificate value at on buy — a $0 or $59 annual fee depending on the version approved. We ranked every card in our database against On Buy purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
My Best Buy® Visa® Card
Citi
- +Official cobrand card — earns Best Buy points on all purchases
- +1.5x Best Buy points (est. 3% in Best Buy certificate value) on Gas Stations. Not cash: reward certificates require future qualifying Best Buy purchases before they expire.
- +Annual fee $0 (Visa Platinum) or $59 (Visa Gold), set at approval; net est. $360 (Visa Platinum) or $301 (Visa Gold). Ranked assuming the $59 Visa Gold fee; your fee depends on the version you are approved for.
Chase Sapphire Preferred Card
Chase
- +3x on Gas Stations — points worth 1.8¢ each
- +Est. $50/yr value — $100 Annual Hotel Credit
- +Auto Rental Coverage
Citi Strata Credit Card
Citi
- +3x on Gas Stations — points worth 1.6¢ each
- +Citi Travel®
- +20,000 points bonus (~$320 value)
Why My Best Buy® Visa® Card wins for On Buy
My Best Buy® Visa® Card earns 3.0¢ per dollar in estimated Best Buy certificate value at On Buy, the highest marginal rate in our list for this brand. The annual fee depends on the version you are approved for: $0 (Visa Platinum) or $59 (Visa Gold), set at approval. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Gas Stations Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| My Best Buy® Visa® CardCiti | 1.5x Best Buy points (est. 3% in Best Buy certificate value) | 3.0¢/$ | $0 or $59/yr by version (set at approval) | — | visa |
| Chase Sapphire Preferred CardChase | 3x Ultimate Rewards | 5.4¢/$ | $95 | — | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.8¢/$ | $0 | — | mastercard |
| PenFed Platinum Rewards Visa Signature® CardPenFed | 5x points | 5.0¢/$ | $0 | — | visa |
| H-D™ H.O.G.™ Elite Visa Signature®U.S. Bank | 5x points | 5.0¢/$ | $99 | $49.50 | visa |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.0¢/$ | $495 | $100 | mastercard |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.3¢/$ | $0 | — | visa |
| Choice Privileges Select MastercardWells Fargo | 5x Choice Privileges | 4.0¢/$ | $95 | — | mastercard |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.8¢/$ | $95 | — | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 4.0¢/$ | $0 | — | visa |
More Options
How to maximize value at On Buy
- Use My Best Buy® Visa® Card for On Buy purchases — it earns 3.0¢ per dollar at On Buy in our scoring.
- Shopping portals sometimes offer extra rewards at On Buy; check current portal rates before you buy.
- Pair My Best Buy® Visa® Card with Chase Sapphire Preferred Card to cover categories where it earns more — diversifying your spend can lift your blended return.
- Pay your statement in full each month — interest charges almost always exceed the rewards you'd earn.
Similar Brands
Other brands in Shopping where the top picks above also earn well.
Frequently asked
- What credit card earns the most at On Buy?
- My Best Buy® Visa® Card ranks #1 for On Buy in our list at 3.0¢ per dollar in estimated Best Buy certificate value at On Buy — $0 or $59 annual fee depending on the version approved. Order uses the full scoring key described above the list (earn rate, redemption value, fee/credit balance, portals, and co-brand fit); welcome offers are not part of that default brand ranking.
- Can I stack a shopping portal with my credit card at On Buy?
- Shopping portals sometimes offer extra rewards at On Buy; check current portal rates before you buy.
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