Citi
My Best Buy Visa Card
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Card review
My Best Buy Visa Card
Citi
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
10 pts welcome offer
Est. net value
$400/yr
Credit score
Varies
Top earn rate
5x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The My Best Buy Visa Card from Citi carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $399.60 in rewards plus $0.00 in credits and perks — $399.60 net per year before welcome bonuses.
How the points work
6% back in rewards for
Elite Plus Cardmembers.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseBest Buy | 5× |
| GasGas | 3× |
| GroceriesGroceries | 2× |
| DiningDining | 2× |
| Everything elseAll Purchases | 1× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- Bankable Reward Points
Option to bank My Best Buy™ reward points until you’re ready to redeem.
- Free Shipping
Enjoy free shipping on qualifying purchases at Best Buy®.
- Flexible Financing
Enjoy the flexibility of low monthly payments and a variety of financing options on Best Buy purchases.
- Exclusive Cardmember Offers
Cardmembers in good standing will receive offers throughout the year.
- Contactless Card
Tap and go with your contactless card.
- No Foreign Transaction Fees
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
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Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.