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.
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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
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.
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.
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.
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