Best Buy Visa Card Calculator

Card Review & Best Buy Rewards Calculator
2.5x Best Buy (5%)
1x Dining (2%)
Special Financing
0.5x Elite Plus Member Bonus (1%)

Learn the benefits of the Citi Best Buy Visa Card, calculate how many Best Buy Points you can earn based on spend, and compare results against top cards.


The Citi Best Buy Visa is a great option for anyone that wants to earn a 5% return shopping in-store or online at Best Buy along with earning a decent return across several other categories. The card also grants you access to Best Buy's flexible financing program which allows you to receive financing on Best Buy purchases of $199 and up. If you frequently shop at Best Buy, I recommend picking up either this card or the Best Buy Store Card.

Bonus Categories

The Best Buy Visa Card features four bonus categories that earn bonus points which are Best Buy, gas station, dining, and supermarket purchases. There's no limit to the amount of bonus points you can earn spending in the bonus categories and no limit to the amount of points you can earn with the card overall.

  • 2.5x Best Buy (5%)
    • Applies to in-store and online purchases made with Best Buy.
  • 1.5x Gas Station (3%)
  • 1x Supermarket (2%)
  • 1x Dining (2%)
    • Includes fine dining, fast food restaurants, and purchases made at bars.
  • 0.5x Non-Category (1%)

Perks & Benefits

The Best Buy Visa Card offers one primary benefit which is the option for flexible financing on Best Buy purchases.

  • Best Buy Flexible Financing
    • Finance in-store and online purchases that cost $199 and up.
    • You will not earn rewards on purchases that are financed.
    • Financing options include, but are not limited to:
      • 6-Month Financing On Sitewide Purchases
      • 12-Month Financing On Sitewide Purchases
      • 18-Month Financing On Appliance & Geek Squad Purchases
      • 24-Month Financing On Home Theatre & Geek Squad Purchases
      • 24-Month Financing On Unlocked Phones & Geek Squad Purchases
      • 24-Month Financing On Select Exercise Equipment
best buy financing or 5%
You will have to choose between financing or the 2.5x points (5%) when you make a qualifying Best Buy purchase.

Using Best Buy's financing option can be a good idea if you plan on paying the entire balance during the financing period. Failure to do so will cause you to pay interest and thus eat away at any rewards you may have earned.

If you decided to use Best Buy's flexible financing, make sure that you divide the cost by the number of financing months you have. This will give you the amount you should be paying monthly in order to hit a $0 balance on your last payment.

Sign Up Bonus (SUB)

The standard Best Buy Visa Card sign up bonus is 10% back in rewards on your first day of purchases or flexible financing. Since flexible financing is always available, you should go for the 10% off your purchases as you'll get a lot more value out of that.

Fees

Annual Fee

The Best Buy Visa Card has no annual fee. This means you'll always earn a positive return when running spend through the card. I highly recommend having this card if you frequently shop at Best Buy.

Authorized User Fee

There is no fee to add authorized users to the Best Buy Visa Card. I recommend adding friends and family if they spend money at Best Buy as it will help you earn points faster and push you closes to your next Best Buy Certificate redemption.

Foreign Transaction Fee

The Best Buy Visa Card does not have a foreign transaction fee. This means you can use the card anywhere VISA is accepted and earn Best Buy Rewards Points for your purchases. While it's nice that you can earn points without a fee, you can generally find better rewards cards for international spending and travel.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
$0
Total Return
The percent you are earning based on spend, earnings, and fees.

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