My Best Buy Visa Card
Issued by Citi
Earning Categories
Current Welcome Bonus
10% back in rewards on your first day of purchases at Best Buy (5% standard Best Buy rewards + 5% welcome bonus)
Year 1 net value: +$0 (bonus − annual fee)
Maximize Your My Best Buy Points
Program Overview
My Best Buy (now called My Best Buy Rewards) is Best Buy's customer loyalty program offering rewards points on Best Buy purchases and co-branded credit card spend. Points redeem as Best Buy certificates ($5 per 250 points / 2% value) at Best Buy retail locations and BestBuy.com. The My Best Buy Visa card (issued by Citibank) earns 5% back on Best Buy purchases (in points), 3% on gas and groceries, 1% everywhere else for Elite Plus members. Best for: frequent Best Buy shoppers, particularly those making large electronics purchases (TVs, appliances, computers) where 5% back provides meaningful rewards.
Earning Tips
My Best Buy Visa Signature: - 5% back at Best Buy (as My Best Buy points) for Elite Plus members - 3% on gas and groceries - 1% on everything else - Elite Plus status requires $3,500/year in Best Buy purchases My Best Buy basic program (no credit card): - 1.25 points per $1 at Best Buy (0.5% equivalent) - Elite status at $1,500/year: 1.5 points per $1 - Elite Plus at $3,500/year: 2 points per $1 + 5% on credit card Key: the 5% credit card earning is the primary value driver for heavy Best Buy spenders.
Redemption Tips
Points redeem as Best Buy certificates: - 250 points = $5 certificate (2¢/point) - Redeem only at Best Buy or BestBuy.com - Certificates expire within 60 days of issuance Best used toward large Best Buy purchases to ensure full redemption before expiration. Certificates cannot be combined with certain promotions. Points expire 36 months after the month they were earned.
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