Best Buy Visa Card Calculator

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.
Last Updated: 2020-07-15

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

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 flexible financing
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

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.


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.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category 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.
Add Categories
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.
Type at least 3 characters.
Currently Selected:
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 rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$20 Bonus
Earn $20 or 2,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $20+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
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.
Total Return
The percent you are earning based on spend, earnings, and fees.

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