The My Best Buy Visa Card edges out the Citi Simplicity for most cardholders — it wins on 1 of 4 comparison categories and offers no current bonus earns more (up to 5x vs 1x). The Citi Simplicity is the better choice if you prioritize a different rewards ecosystem.
Citi Simplicity vs My Best Buy Visa Card
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Best Buy 5x
- Gas 3x
- dining, takeout, grocery 2x
- AAdvantage
- AAdvantage
- Accor Live Limitless
- Accor Live Limitless
- Avianca LifeMiles
- +33 more
Common Questions: Citi Simplicity vs My Best Buy Visa Card
Is the Citi Simplicity or My Best Buy Visa Card better for dining?
Citi Simplicity has no dining bonus; My Best Buy Visa Card earns 2x on dining.
Which has the higher signup bonus in 2026?
Neither card has a current public signup bonus. Check the issuers' sites for any targeted offers.
Which card is better for international travel?
My Best Buy Visa Card charges no foreign transaction fees — the better pick for international use. Citi Simplicity charges 3% on foreign purchases.
Can I hold both the Citi Simplicity and the My Best Buy Visa Card?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Citi, so check their specific application rules.