: Generally requires good to excellent credit (700+). Key Benefits & Rewards
: Choose deferred-interest financing instead of rewards for major purchases (e.g., 12 months for $299+, 18 months for appliances $599+). Visa-Only Rewards : 3% back on gas station purchases. 2% back on grocery, dining, and takeout. 1% back on all other Visa purchases. How to Apply Online
: 5% back in rewards (2.5 points per $1 spent) on qualifying Best Buy purchases. best buy charge card online
: Get 15% back in rewards on your first day of purchases (valid through May 3, 2026) or choose flexible financing.
The program offers two main versions managed by Citibank: a Store Card and a Visa Card . You can apply for both through a single online application on the Best Buy Credit Card page or the Citi application portal . Core Card Options : Generally requires good to excellent credit (700+)
My Best Buy® Credit Cards * Apply today. * Compare our Cards. * Card benefits. * Financing offers. * Pay bill. * FAQs. Learn About the My Best Buy® Credit Card
When you apply, Citibank typically determines which card you qualify for based on your credit profile. Usage : Only usable at Best Buy stores and BestBuy.com . Requirements : Fair to good credit (roughly 640+). My Best Buy® Visa® Card Usage : Usable anywhere Visa is accepted worldwide. 2% back on grocery, dining, and takeout
: Check the variable APR (often around 25.49%–31.49%) and confirm there is no annual fee for most versions.