My Best Buy My Best Buy Visa Card
Issued by Citi
Reviewed by the CardCurator Editorial Team
Before you apply
Use this quick check so you click out only when the offer and fee structure really fit.
- Best fit: strongest ongoing earning is 5x on Best Buy.
- Annual fee: No annual fee.
- Who should skip: people chasing premium perks, lounge access, or outsized transfer-partner upside.
- What happens next: you will leave CardCurator for the issuer or partner application page in a new tab.
Confirm current issuer terms and approval rules before you submit an application.
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
Expert tips to get the most value from this program
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.
Compare This Card
See how the My Best Buy Visa Card stacks up against other cards side by side — fees, bonuses, earn rates, and more.
Approval Insights
Recent community application data for this card. Issuers make the final decision, but this gives you a public read on how similar applicants have been doing lately.
How to use this
- Use the approval summary as a signal, not a guarantee.
- Combine it with issuer rules like 5/24, Amex lifetime language, and velocity limits.
- Open the full approval page to see recent datapoints, profile bands, and notes.
Most card pages stop at a generic credit-score range. CardCurator layers real community submissions on top of card detail, rewards value, and application strategy.
Frequently Asked Questions
- What is the annual fee for the My Best Buy Visa Card?
- The My Best Buy Visa Card has no annual fee.
- What is the best category to use the My Best Buy Visa Card for?
- The My Best Buy Visa Card earns 5x on Best Buy, making it the strongest earning category for this card.
- Does the My Best Buy Visa Card charge foreign transaction fees?
- No, the My Best Buy Visa Card does not charge foreign transaction fees, making it a good choice for international purchases.
- How much are My Best Buy points worth?
- My Best Buy points are worth approximately 1.00¢ per point on average, with premium redemptions reaching up to 0.80¢ per point. Values based on industry estimates including The Points Guy and NerdWallet.
Ready to Get the My Best Buy Visa Card?
Apply now and track your rewards, credits, and signup bonus progress — all in one place
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