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My Best Buy Visa® Card
Citi

My Best Buy Visa® Card

A no-annual-fee cash back card from Citi.

Cash back only
Annual fee
No annual fee
Welcome bonus
10% back on first-day Best Buy purchases
Min spend
within 14 days of opening
Recommended credit
Good (670+)
Network
Visa
Apply on Citi site4.2/10Our rating · review ›

Rates, fees, and full terms are set by Citi and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Citi application and welcome-bonus rules →
Offer last verified July 17, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on gas, dining, and groceries.

⚠ Think twice if

your spending is spread evenly, where a flat-rate card would likely earn you more.

Earning rates

5% back at Best Buy (6% for My Best Buy Plus and Total members)
3% back on gas
2% back on groceries, dining, and takeout
1% back on everything else

Best ways to earn & redeem

Put your gas, dining, and groceries spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No annual fee

Alternatives to the My Best Buy Visa® Card

Pairs well with

The My Best Buy Visa® Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the My Best Buy Visa® Card lands.

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