The My Best Buy Visa Card is one of many store cards supported by Tally. We believe in separating the burden of credit cards from the benefits. Tally lets you use the My Best Buy Visa Card without worrying about high interest rates or late fees. Show
Jump to Click the buttons below to navigate directly to that section Begin Main Content About the cardThe My Best Buy Visa Card is for people who love shopping at Best Buy. The card can be used anywhere, but the rewards you earn can only be redeemed at Best Buy. If you spend enough per year, you’ll earn even more points on purchases made at the store. Plus, the card offers special financing when you purchase items of $199 or more. How My Best Buy Visa Card worksUse the My Best Buy Visa Card on everyday purchases and earn points that can be redeemed at Best Buy. Purchases at Best Buy stores earn the most points, but you also earn points when purchasing everyday items. For example: If you use the card to buy $500 in gas, you’ll receive a $30 reward certificate to the store. And if you spend more than $3,500 in a year, you’ll earn elite status, which lets you earn even more points on Best Buy purchases. Benefits and rewardsWith the My Best Buy Visa Card, you earn points based on where you shop. Receive 5% back on purchases made at Best Buy; 3% back on gas; 2% back at grocery stores and restaurants; and 1% back on everything else. If you spend more than $3,500 in a year, you earn 6.5% back on purchases made at Best Buy. Costs and feesThe My Best Buy Visa Card comes with a 25.24% APR, but there’s no annual fee. How Tally can helpTally is the fastest and easiest way to eliminate credit card debt. The My Best Buy Visa Card offers great savings and benefits, but the 25.24% APR can wipe out your discounts if you don’t pay your balance in full every month. We give you a Tally line of credit at a lower APR, so you can pay off your balances faster, and we make sure all of the cards you register with Tally are paid on time and in the way that saves you the most money. Looking for information about My Best Buy Credit Card™?My Best Buy Credit Card™ is a retail card that can only be used on purchases at Best Buy. Learn here more about this card. See more information Learn more about these Store CardsFAQsThe My Best Buy Visa Card can be used anywhere Visa is accepted. Best Buy customer service is available 24 hours a day, 7 days a week, at (888) 237-8289. Easily manage your Best Buy Visa Card with TallyTally is the fastest way to debt-free, making it easier to save money, manage credit cards and pay down balances faster. Download Tally today for free! Get Tally Insider's experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page. Rewards Earn 5% cash back on purchases from BestBuy and BestBuy.com. Earn 3% cash back on gas purchases. Earn 2% back on grocery, dining and takeout purchases. Earn 1% cash back on all other purchases $0–$59, based on creditworthiness Annual Fee Rewards Earn 5% cash back on purchases from BestBuy and BestBuy.com. Earn 3% cash back on gas purchases. Earn 2% back on grocery, dining and takeout purchases. Earn 1% cash back on all other purchases $0–$59, based on creditworthiness Annual Fee $0–$59, based on creditworthiness Annual Fee On Citi's website My Best Buy® Visa® CardCard DetailsRewards Earn 5% cash back on purchases from BestBuy and BestBuy.com. Earn 3% cash back on gas purchases. Earn 2% back on grocery, dining and takeout purchases. Earn 1% cash back on all other purchases Annual Fee $0–$59, based on creditworthiness Regular APR 23.24% - 27.99% variable Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Up to 6% back on Best Buy purchases Check mark iconA check mark. It indicates a confirmation of your intended interaction. no interest on Best Buy purchases for up to 36 months on select purchases Check mark iconA check mark. It indicates a confirmation of your intended interaction. No annual fee Dash iconA dash. It often indicates an interaction to shrink a section. Rewards can only be used for Best Buy purchases Dash iconA dash. It often indicates an interaction to shrink a section. You will be charged interest retroactively for your entire purchase if you fail to pay off expenses during the interest-free window Dash iconA dash. It often indicates an interaction to shrink a section. Expensive balance transfer fee
HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Review: Is the My Best Buy Visa Card the best credit card for you?When you apply for a Best Buy credit card, the one you receive will not necessarily be the one you want. There are three variants of the card, and the one Best Buy offers you is based on your credit. The My Best Buy® Visa® Card is the most rewarding card. It earns up to 6% on Best Buy purchases, and it comes with various financing options depending on what you're buying. You'll even earn bonus rewards for spending at gas stations, restaurants, and grocery stores. The card comes with an annual fee between $0–$59, based on creditworthiness. Depending on your credit, Best Buy may alternately issue the My Best Buy Credit Card, which is a store card that can only be used at Best Buy. Earnings for Best Buy spend are identical to the My Best Buy® Visa® Card. Read more: 6 reasons you should think twice before getting a store credit card, even if it's offering a big discount up front Insider's Featured Cash Back Credit Cards
Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options. Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options. Earn unlimited 2% cash rewards on purchases. $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. $200 cash back after spending $1,500 on purchases in the first 6 months of account opening
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases. $200 after spending $500 on purchases in the first three months from account opening The My Best Buy® Visa® Card's up to 6% return rate is substantial — and you'll even get 10% back at Best Buy during your first day of purchases within 14 days of account opening. It also gives you the opportunity to pay off large purchases for up to three years without accruing interest. There are a number of downsides, however:
If you're happy to live exclusively within the Best Buy ecosystem, this card could be worthwhile. However, there are many other cash-back credit cards that are more practical for most customers. For example, with the Bank of America® Customized Cash Rewards Credit Card <desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#111"> </path></g> </desc> , you can choose online shopping as your 3% cash back category and earn that rate at BestBuy.com. You'll also earn 2% back at grocery stores and wholesale clubs (on up to $2,500 in combined purchases each quarter combined with the 3% category, then 1% back). You don't even have to spend that cash at Best Buy if you don't want to. Still, if you're a Best Buy power-shopper, this card may serve you well. Here's everything you need to know. We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay. Comparison: My Best Buy Visa vs other store cards*Best Buy points are each worth 2% back towards Best Buy purchases Citi My Best Buy Visa vs other cash-back 0% APR credit cards*Travel accident insurance not guaranteed. Depends on the level of benefits you get at application. How to earn rewards from the Best Buy credit cardWith the My Best Buy® Visa® Card, you'll earn rewards for the following purchases:
You can become an Elite Plus member in two ways:
Also, you can choose as a welcome bonus offer 10% back (5 points per dollar) at Best Buy during your first day of purchase within 14 days of account opening. Read more: The best credit cards for online shopping can earn you bonus rewards at Amazon, Target, Walmart, and other popular retailers How to use Best Buy pointsThe My Best Buy® Visa® Card earns points that can be used for one thing: Best Buy merchandise. Think of it as a card that earns cash back which you can only spend at Best Buy. Every time you earn 250 points, you'll receive a $5 certificate for Best Buy. For example, if you spent $1,000 at Best Buy with your My Best Buy® Visa® Card, you'd earn 2,500 points. That's worth $50. Just note that these certificates tend to expire after 60 days. If you're not redeeming rewards often, you may forfeit your points. Read more: 3 steps for getting over 'points paralysis' and starting to use your credit card rewards for travel That's a solid return for Best Buy purchases — but beyond that, these points aren't useful. You'll have to spend consistently at Best Buy for this card to be worthwhile. Benefits and featuresOne of the biggest considerations when choosing a credit card to make large purchases is purchase protection and extended warranty coverage. The My Best Buy® Visa® Card comes with neither of these. If you value these insurances, here are a few of the best credit cards for purchase protection:
Interest-free purchases (but beware)With the My Best Buy® Visa® Card, you'll receive special financing options for Best Buy purchases. The amount of time you have to pay off your balance without interest depends on the amount you buy, and sometimes the specific items you buy: This sounds great for those who need a few billing cycles to pay off a purchase. You'll still have to make a minimum payment each month, but you won't incur any interest for the duration of the promotional period. However, Best Buy uses something called "deferred interest." If your purchase isn't paid in full within the specified interest-free window, Best Buy will retroactively charge you interest for the many months the balance has been hanging on your card! Read more: Using a 0% APR credit card can save you money on interest, but be sure to avoid these pitfalls that could hurt you in the long run Here's a visual example Best Buy offers: If you purchase a $1,500 laptop, you'll have 24 months to pay it off. The minimum payment is $29. Best Buy's example of deferred interest and how it works. Best BuyIf you only pay the minimum of $29 per month, you'll have paid $696 toward your balance by the end of 24 months. But because you didn't pay off your purchase, you'll be hit with $607 in retroactive interest. This can be a very unpleasant surprise for many customers if they aren't careful with their budget. If you know you've got a big purchase coming up and don't want to risk the effects of deferred interest, there are plenty of cards that come with lengthy 0% intro APR offers that won't apply retroactively to your balance: Credit monitoring servicesThe My Best Buy® Visa® Card also comes with credit report upkeep services like $0 fraud liability and monthly credit bureau reporting. These are common benefits, but important to keep you safe and informed. Rewards Earn 5% cash back on purchases from BestBuy and BestBuy.com. Earn 3% cash back on gas purchases. Earn 2% back on grocery, dining and takeout purchases. Earn 1% cash back on all other purchases $0–$59, based on creditworthiness Annual Fee Rewards Earn 5% cash back on purchases from BestBuy and BestBuy.com. Earn 3% cash back on gas purchases. Earn 2% back on grocery, dining and takeout purchases. Earn 1% cash back on all other purchases $0–$59, based on creditworthiness Annual Fee $0–$59, based on creditworthiness Annual Fee On Citi's website My Best Buy® Visa® CardCard DetailsRewards Earn 5% cash back on purchases from BestBuy and BestBuy.com. Earn 3% cash back on gas purchases. Earn 2% back on grocery, dining and takeout purchases. Earn 1% cash back on all other purchases Annual Fee $0–$59, based on creditworthiness Regular APR 23.24% - 27.99% variable Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Up to 6% back on Best Buy purchases Check mark iconA check mark. It indicates a confirmation of your intended interaction. no interest on Best Buy purchases for up to 36 months on select purchases Check mark iconA check mark. It indicates a confirmation of your intended interaction. No annual fee Dash iconA dash. It often indicates an interaction to shrink a section. Rewards can only be used for Best Buy purchases Dash iconA dash. It often indicates an interaction to shrink a section. You will be charged interest retroactively for your entire purchase if you fail to pay off expenses during the interest-free window Dash iconA dash. It often indicates an interaction to shrink a section. Expensive balance transfer fee
HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Fees and costsAnnual fee (depending on creditworthiness)The My Best Buy® Visa® Card comes with no annual fee. However, depending on your credit, Best Buy may charge you a $59 annual fee. You won't know until you apply. If you've got a good credit score, it's very unlikely you'll be charged an annual fee. High balance transfer feesThis card charges a 5% balance transfer fee (minimum $15). This is higher than many cards, which usually charge 3%. Balance transfers won't benefit from any intro APR anyway, so you probably won't be doing this. Deferred interest is dangerousAgain, this card offers myriad interest-free opportunities, but they all come with the massive caveat of deferred interest. If you don't pay off your balance during the interest-free period, your card balance could be stuck with several hundred dollars in retroactive interest fees. Read more: The best low-interest and 0% APR credit cards With this card, it's especially important not to buy something you can't pay off.
Joseph Hostetler, CEPF Credit cards reporter Joseph Hostetler is a credit cards reporter for Insider who also covers helpful miles and points tricks. He is also a Certified Educator in Personal Finance (CEPF). Joseph has more than five years of experience writing professionally about credit cards, previously authoring and editing for The Points Guy and Million Mile Secrets. You can reach Joseph at . Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services » Read more Read less Top Offers From Our PartnersCan you make a credit card payment inIn-store Credit Card Payments
To accept credit card payments in a retail location—like a restaurant or store—you need a point-of-sale (POS) system with a card reader or a credit card terminal that can process transactions on its own.
Can I pay My Best Buy credit card with another credit card?If you're looking to pay off one credit balance using another card, this generally isn't possible. Banks don't allow you to pay your credit card balance using another credit card. Typically payments via check, electronic bank transfer or money order are the only acceptable methods of payment.
Can I pay inBest Buy Pay allows you to make purchases in-store using your Best Buy Credit Card via the Best Buy mobile app on your eligible smartphone, without the use of your physical Best Buy Credit Card.
Can you pay your Best Buy credit card at Citibank?How do I make a Best Buy Credit Card payment? The easiest way you can pay your Best Buy® Credit Card is either online or by phone, by calling 1-888-574-1301. Alternatively, you can make a payment via text, by mail, or at a branch. Citibank does allow cardholders to set up automatic payments, too.
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Can i pay best buy credit card in store
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