Rewards are issued as Best Buy award certificates , which cannot be redeemed for cash or credit toward your statement balance.
The cards are designed for frequent Best Buy shoppers, offering a choice between two main versions: a store-only card and a Visa card that can be used anywhere. As of 2026, both versions share a primary benefit of 5% back in rewards on Best Buy purchases, or the option for flexible financing on larger totals. Best Buy Credit Card Comparison best buy credit card comparison
The Visa version generally requires Good to Excellent credit , while the store-only version may be accessible to those with Fair credit . Expert Reviews & Recommendations Rewards are issued as Best Buy award certificates
New cardholders often receive an additional 5% back (for a total of 10%) on their first day of purchases within 14 days of account opening. Best Buy Credit Card Comparison The Visa version
Reviewers from Forbes Advisor highlight that while the 5% reward rate is industry-leading for electronics, the high makes it a poor choice if you plan to carry a balance. Additionally, experts on CreditCards.com note that the lack of cash-back flexibility makes it less versatile than general-purpose rewards cards like the Amazon Pay ICICI Bank Credit Card for those who shop across multiple retailers. My Best Buy Visa Card (Overview)
You must choose between earning reward points or using deferred-interest financing on a per-purchase basis. You cannot get both on the same transaction.
This table highlights the key differences between the two primary versions issued by Citibank. My Best Buy® Credit Card My Best Buy® Visa® Card Best Buy stores & BestBuy.com only Anywhere Visa is accepted Best Buy Rewards 5% back (6% for Elite Plus members) 5% back (6% for Elite Plus members) Gas Rewards Grocery/Dining Other Purchases Annual Fee $0 - $59 (depends on creditworthiness) Key Considerations for Your Choice