| Category | Rate | Type | Cap |
|---|---|---|---|
|
Best Buy Purchases — First Day
Earn 10% back in rewards on Best Buy purchases made on the first day the account is opened (approval date); this is a limited-time new cardmember welcome offer.
|
10x | Cash Back | No cap |
|
Best Buy Purchases
Earn 5% back in rewards (a $5 reward certificate for every $100 spent) on purchases at Best Buy stores and BestBuy.com; cardholders may alternatively choose flexible financing instead of earning rewards on a per-purchase basis.
|
5x | Cash Back | No cap |
|
Gas Stations
Earn 3% back in rewards on gas purchases with the My Best Buy® Visa® Card only; not available on the store-only My Best Buy® Credit Card.
|
3x | Cash Back | No cap |
|
Grocery Stores, Dining, and Takeout
Earn 2% back in rewards on grocery, dining, and takeout purchases with the My Best Buy® Visa® Card only; not available on the store-only My Best Buy® Credit Card.
|
2x | Cash Back | No cap |
|
All Other Purchases
Earn 1% back in rewards on all other purchases everywhere Visa is accepted with the My Best Buy® Visa® Card only; not available on the store-only My Best Buy® Credit Card.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Flexible Financing Options on Best Buy Purchases
Cardholders may choose promotional financing on eligible Best Buy purchases instead of earning rewards; financing options include various monthly payment plans and deferred interest offers; rewards and financing are mutually exclusive per transaction.
|
Financial | Subject to credit approval |
|
No Foreign Transaction Fees (Visa® Card only)
The My Best Buy® Visa® Card charges no foreign transaction fees on purchases made outside the United States; not applicable to the store-only My Best Buy® Credit Card.
|
Financial | 0% foreign transaction fee |
|
Exclusive Cardmember Offers Throughout the Year
Cardmembers in good standing receive exclusive offers, discounts, and bonus rewards from Best Buy throughout the year, delivered via account communications.
|
Lifestyle | Varies |
|
24/7 Customer Service
Cardmembers have access to customer support 24 hours a day, 7 days a week by calling 1-888-574-1301; TTY service is available via 711 or other Relay Service.
|
Other | Complimentary |
|
1% Back on All Other Purchases (Visa® Card only)
Earn 1% back in My Best Buy rewards on all other eligible purchases everywhere Visa is accepted with the My Best Buy® Visa® Card only; not available on the store-only My Best Buy® Credit Card.
|
Rewards | 1% back |
|
10% Back in Rewards on First-Day Best Buy Purchases
Earn 10% back in My Best Buy rewards on purchases made at Best Buy on the first day of card approval; this is a limited-time new cardmember welcome offer.
|
Rewards | 10% back (first day only) |
|
2% Back on Grocery, Dining, and Takeout (Visa® Card only)
Earn 2% back in My Best Buy rewards on grocery, dining, and takeout purchases with the My Best Buy® Visa® Card only; not available on the store-only My Best Buy® Credit Card.
|
Rewards | 2% back |
|
3% Back on Gas Purchases (Visa® Card only)
Earn 3% back in My Best Buy rewards on gas purchases with the My Best Buy® Visa® Card only; not available on the store-only My Best Buy® Credit Card.
|
Rewards | 3% back |
|
5% Back in Rewards on Best Buy Purchases
Earn 5% back in My Best Buy rewards — a $5 reward certificate for every $100 spent — on purchases at Best Buy stores and BestBuy.com; cardholders may choose flexible financing instead of rewards on eligible purchases.
|
Rewards | 5% back ($5 reward certificate per $100 spent) |
|
Earn on Premium Brands
Reward earning applies to purchases of premium brands available at Best Buy including Apple, Beats, and Thermador; no category exclusion for premium brand purchases.
|
Rewards | Complimentary |
|
Limited-Time Bonus Reward Category Offers
Cardmembers receive limited-time bonus reward category offers throughout the year to earn My Best Buy rewards faster; specific categories and earn rates vary by promotional period.
|
Rewards | Varies |
|
My Best Buy Reward Certificate Redemption
Accumulated reward points can be redeemed for My Best Buy reward certificates for use at Best Buy stores and BestBuy.com; certificates can also be redeemed for gift cards to top merchants.
|
Rewards | $5 reward certificate per $100 spent |
|
Reward Points Bank Until Ready to Redeem
My Best Buy reward points are banked and accumulate until the cardmember is ready to redeem; there is no requirement to use them by a specific deadline while the account is in good standing.
|
Rewards | Complimentary |
|
$0 Liability on Unauthorized Charges
Cardmembers are completely protected against unauthorized charges on their account; Citibank will not hold the cardmember responsible for any charge they did not authorize.
|
Security | Complimentary |
|
Free Shipping on Qualifying Best Buy Purchases
Cardmembers enjoy free shipping on qualifying purchases at Best Buy; specific minimum order requirements and exclusions apply per Best Buy's shipping policy.
|
Shopping | Complimentary |
|
Contactless Tap-and-Go Payments (Visa® Card only)
The My Best Buy® Visa® Card supports contactless tap-and-go payments at merchants that accept contactless Visa payments.
|
Travel | Complimentary |
